United Business Card
Key Takeaways
The United Business Card is Chase's mid-tier co-branded United card for businesses — a $99 annual fee card that returns its fee easily through the free first checked bag (for you and one companion on the same reservation), 2 United Club one-time passes per year, and 2x earning on United purchases, gas stations, restaurants, office supply stores, and local transit. For business owners who fly United more than three times per year, it's an easy net positive.
Card Overview
MileagePlus Earning Structure
Travel Benefits & United Perks
- Free first checked bag: for primary cardholder and one travel companion on the same reservation — saves $70 round-trip
- 2 United Club one-time passes/year: $59 each at the door, worth ~$118/yr
- Priority boarding: Group 2 boarding on all United-operated flights
- 25% back on inflight purchases: food, beverage, Wi-Fi
- Expanded award seat availability: cardholders see more low-mile award inventory
Business-Specific Benefits
Chase issues free employee cards with custom spending limits, automated expense categorization that syncs with QuickBooks and Xero, and 5,000-mile anniversary bonus when you spend $24,000 in a cardmember year. Purchase protection and extended warranty coverage apply to all business purchases, and business travel insurance covers cardholder, spouse, and children through age 26 during trips charged to the card.
United Business Card vs. United Club Business Card
Who Should Apply?
Ideal for small-business owners who fly United 3+ times per year but not enough to justify unlimited United Club access. If you fly United 10+ times per year and use the lounges, step up to the United Club Business Card. If you fly less than 3 times a year, the no-annual-fee United Gateway Business Card is a better fit.