United℠ Business Card

Fees:

  • Annual Fee: $0 for the first year, then $99
  • Foreign Transaction Fee: None

APR:

  • Variable APR: 21.24%–28.24%

Offer:

  • Sign-Up Bonus: Earn 75,000 bonus miles after spending $5,000 in the first 3 months.
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  • Rewards on Business Spending: Earn 2x miles on United purchases, dining, gas stations, office supply stores, and local transit, plus 1x miles on other purchases.

  • Travel Benefits: Free first checked bag for the primary cardholder and one companion, saving up to $160 per round trip.

  • United Club Access: Receive two one-time United Club passes annually, valued at over $100.
Features
  • Earn up to 7x miles on United flights, combining MileagePlus membership and card benefits.
  • Earn 2x miles on gas, dining, transit, and office supplies.
  • $100 United travel credit after seven $100+ flight purchases per anniversary year.
  • Free first checked bag for you and a companion.
  • Priority boarding for cardholder and companions.
  • 5,000 anniversary bonus miles when you hold both the United Business Card and a personal United credit card.
  • 25% back on United in-flight food, beverage, and premium Club drink purchases.
  • No foreign transaction fees.
Details

The United℠ Business Card is ideal for small business owners who frequently fly with United Airlines. The card offers a generous 75,000-mile sign-up bonus and valuable rewards on business-related spending, including 2x miles on United purchases, dining, gas, office supply stores, and local transit. Travel perks include a free checked bag for you and a companion, priority boarding, and two United Club passes each year. Cardholders also earn a $100 United travel credit annually after meeting specific spending criteria and enjoy no foreign transaction fees. The first year’s annual fee is waived, and subsequent years incur a $99 fee.

Pros
  • Generous sign-up bonus of 75,000 miles.
  • High earning rates for travel and business-related purchases.
  • Free checked bag for cardholder and companion.
  • Priority boarding and annual United travel credit.
  • Two complimentary United Club passes annually.
  • No foreign transaction fees.
Cons
  • $99 annual fee after the first year.
  • Best benefits are limited to United Airlines flights.
  • Spending threshold for travel credit may not suit occasional travelers.
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Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.

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