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Pros & Cons
Pros
- +Lounge access included
- +Purchase protection included
- +No foreign transaction fees
Cons
- –High annual fee ($150/yr)
Our Review
Optimize Your United Flying with The New United℠ Business Card
- 100,000 bonus miles + 2,000 Premier Qualifying Points after $5,000 in purchases within 3 months
- 2X miles on United flights, dining (incl. delivery), gas stations, office supplies and local transit
- 1X mile on all other purchases
- Free first checked bag for you and a companion on United flights
- Two United Club one-time passes each year
- Priority boarding for you and your traveling party
- $125 United travel credit after five $100 United flight purchases per calendar year
- Employee cards at no additional cost, with miles pooled into your account
- No foreign transaction fees
- $150 annual fee
Perfect for small‑business owners who fly United often, this card combines generous bonus miles, valuable travel perks and seamless account management via the Chase app. Elevate every trip with complimentary credits, lounge access and priority services tailored to your needs.
Terms apply. Bonus miles and PQP require qualifying spend. Travel credit applies after flight purchases. See full terms for details.
Rewards
All Spending
1x
United MileagePlus pts per dollar
Gas
2x
United MileagePlus pts per dollar
Restaurants
2x
United MileagePlus pts per dollar
Transit
2x
United MileagePlus pts per dollar
Office
2x
United MileagePlus pts per dollar
United flights
2x
United MileagePlus pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
37,200
United MileagePlus/yr
Estimated Value
$372
After Fees
+$222
1st Year Value
$222
incl. welcome bonus
Breakdown
Perks & Benefits
Lounge Access
2 visits per year
Lounge access credits
2
Concierge
24/7
Priority Boarding
Included
Travel Credits
$125
Additional Benefits
- Two United Club one-time passes per year, an over $100 value.
- Free first checked bag for the primary Cardmember and one traveling companion, a saving of up to $200 per roundtrip.
- Priority boarding for the primary Cardmember and companions on the same reservation on United-operated flights.
- $125 United travel credit after making five United flight purchases of $100 or more each calendar year.
- Two continental U.S. Economy Plus seat upgrades after spending $25,000 each calendar year.
- Up to $100 back each anniversary year on prepaid hotel stays booked through United Hotels, and up to $100 back each calendar year on rideshare purchases, with yearly opt-in required.
- Up to $50 in United travel credits on Avis or Budget car purchases and up to $120 a year in Instacart credits.
- 5,000-mile better-together anniversary bonus when you also hold a personal United credit card.
- Complimentary Visa Signature Concierge Service, 24 hours a day.
Travel Insurance
Trip Cancellation
Up to $1,500
Trip Interruption
Up to $1,500
Delayed Baggage
Up to $300
Lost Baggage
Up to $3,000
Flight Delay
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $10,000 / 120 days
Extended Warranty
+1 years
Auto Rental Collision (secondary, primary for business rentals, primary abroad)
Up to $60,000 / 31 days
Fees and interest rates
- Annual Fee$150
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- 2x miles on United® purchases, dining (including eligible delivery), gas stations, office supply stores, and local transit & commuting.
- 1x mile on all other purchases.
- Employee cards at no additional cost—miles accrue to your account.
- 5,000-mile “better together” bonus each anniversary when you also hold a personal Chase United® credit card.
- Free first checked bag (terms apply), 2 United ClubSM one-time passes per year, and priority boarding.
- $125 United travel credit after 5 United® flight purchases of $100+ each calendar year.
- Member FDIC
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.