United Business Card — Full Review [2023]

Great Card If

• Business owners that are frequent United flyers
• You want a card that will help you earn more United miles and United elite status

Don’t Get If

• You seldom fly with United
• You want a card that earns transferable rewards

United Business Card — Is It Worth It?

If you’re a business owner who regularly flies with United and you’re looking for a way to earn more United miles, receive benefits on your United flights, and work towards United elite status, then the United Business card would likely be well worth it for you.

The card even mimics the benefits you’d receive with low-level United elite status by offering free checked bags, priority boarding, and discounts on inflight purchases.

United Business Card Top Benefits

United Business Card Travel Benefits

The United Business card offers several benefits that offer you more value on your United flights:

• Free Checked Bags — You and 1 companion on the same reservation will each receive your first checked bag free when you pay for your flight with the United Business card.
• 2 Annual United Club Passes — Visit a United Club, complimentary, twice each year before your flight.
• 25% Back on United Inflight Purchases — Receive a statement credit when you use your United card to purchase food, beverages, or Wi-Fi on board.
• Priority Boarding — You and any traveling companions will be able to board in Group 2, along with United Premier Silver and Star Alliance Silver members.
• Complimentary Premier Upgrades — You and 1 traveling companion are eligible for space-available upgrades when traveling on a United award ticket.
• $100 United Annual Travel Credit — Each year that you make 7 United flight-related purchases of $100 or more with your United Business Card, you will receive a $100 statement credit. These purchases include seat upgrades, inflight food, beverages, Wi-Fi, baggage service charges, or other United fees.
• 5,000 Anniversary Bonus Miles — Receive bonus miles when you hold both the United Business card and a personal United credit card.
• Up to 1,000 Premier Qualifying Points — Earn 500 PQPs towards United status for every $12,000 you spend on your United Business Card, up to a maximum of 1,000 PQPs each year.

United Business Card Travel and Purchase Protections

The United Business card offers great travel purchase protections to help keep you covered when things don’t go according to plan:

• Rental Car Insurance — Receive primary rental car insurance that covers theft and collision damage to your rental vehicle and kicks in prior to your personal auto insurance.
• Trip Delay Coverage — If your flight is delayed by more than 12 hours, or overnight, you’ll be reimbursed up to $500 towards necessary expenses such as lodging and meals.
• Trip Cancellation/Interruption Insurance — If you have to cut your trip short or cancel due to covered situations (including severe weather), you’re covered up to $1,500 per person and $6,000 per trip towards non-refundable expenses.
• Delayed Baggage Insurance — If your baggage is delayed by more than 6 hours, you’ll be covered up to $100 per day for 3 days towards essentials.
• Lost Baggage Insurance — If your baggage is lost, or items inside are damaged by the carrier, you’re covered for up to $3,000.
• Extended Warranty Coverage — Products purchased with your card that have extended warranties of 3 years or less will be extended by 1 additional year.
• Purchase Protection — Purchases made with the card are covered for up to $10,000 per claim and $50,000 per year in case of theft or accidental damage up to 120 days from the purchase date.

Best Ways To Earn and Redeem Your United Miles

To earn as many United miles as possible, you’ll want to use your new United Business card on all of the purchases that you can. But this isn’t the only way to earn United miles! You can also shop through MileagePlus Shopping, dine through MileagePlus Dining, or even use the Chase transfer partners, which transfer 1:1 to United. Put simply, there are loads of great ways to earn lots of United miles.

Once you’ve got a sizable stash of United miles, next comes deciding how to redeem them. Fortunately, United and its Star Alliance partners have a very robust route network, so your United miles can take you just about anywhere in the world you’d like to go. With that, have a look at some of our favorite ways to redeem your United miles.

Alternative Cards to the United Business Card

United Club℠ Business Card

Those who are very frequent United flyers might want to consider the premium United Club Business card. While it does charge a higher annual fee, it offers a complimentary United Club membership, your first and second checked bag free, Premier Access travel services, a 25% discount on United inflight purchases, Avis President’s Club status, and more.

Ink Business Preferred® Credit Card

If you’d prefer a business card that earns transferable rewards, then you should consider the Ink Business Preferred card. With it, you’ll earn 3x points per $1 on the first $150,000 spent in combined purchases in the following categories:

• Shipping purchases
• Advertising purchases made with social media sites and search engines
• Internet, cable, and phone services
• Travel

Plus, the card offers great travel and purchase coverages, your points receive a 25% bonus when redeemed through the Chase travel portal, and it offers access to Chase airline and hotel transfer partners — including United.

The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.