UnitedSM Business Card Review: 75,000 Bonus Miles Offer + First Year Annual Fee Waived

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The UnitedSM Business Card offers unique perks for regular United customers including free checked bags and expanded award seat availability for redeeming miles. Here are the highlights:

  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and personal Chase United credit card.
  • Free first checked bag for both you and one traveling companion on the same reservation (a savings of up to $160 per roundtrip) when you use your Card to purchase your ticket. Terms Apply.
  • Two United ClubSM one-time passes per year, and priority boarding privileges.
  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • 2X miles per $1 spent on local transit and commuting, including train tickets, taxi cabs, mass transit, tolls and ride share services.
  • 2X miles on dining, gas stations and office supply stores.
  • 2X miles on United purchases and 1 mile per $1 spent on all other purchases.
  • No foreign transaction fees.
  • Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.
  • Employee cards at no additional cost.
  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.
  • $0 introductory annual fee for the first year, then $99.

This card is considered a “new” card, differ from the old Business Explorer card:

This product is available to you if you do not have this Card and have not received a new Cardmember bonus for this Card in the past 24 months.

In addition, you can get this card and bonus if you had the consumer version of the United Explorer in the past 24 months (or have one now).

Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.

Note that Chase has an unofficial rule that they will most likely deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.

The good news is that small business cards from Chase hardly ever show up on personal credit reports, so getting this card in itself won’t affect your future 5/24 eligibility. This it makes a “free” application if you are already eligible.

This card is very focused on rewarding you for being a United customer. Before you board, you might use one of your free United Club lounge passes. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The fee is now $40 per person, each way, so that this how they get the value of $160 each roundtrip. You also get Priority Boarding, which helps you find space for your carry-on.

Expanded award availability. This card also makes it easier for you to redeem those miles on Saver level tickets with no blackout dates for MileagePlus members booking award flights on United. Expanded and exclusive award seat availability on selected flights are another perk of this card.

Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On many other cards, this coverage is offered as secondary coverage, meaning it only kicks in after your personal auto insurance has been exhausted.

Bottom line. The United Business card offers valuable perks for folks that fly United even just once or twice a year. The card provides lounge passes, a free checked bag, priority boarding, and inflight discounts. There are bonus categories to earn more miles, and special expanded award seat inventory for credit card holders to make it easier to actually redeem those miles for flights.

Also see: Top 10 Best Small Business Card Bonus Offers.

My Money Blog has partnered with CardRatings and may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers and may impact how and where card products appear on the site. MyMoneyBlog.com does not include all card companies or all available card offers. All opinions expressed are the author’s alone, and has not been provided nor approved by any of the companies mentioned.

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  1. To become a part of the sole proprietorship entity, does it require going to a county or city office and register the business? I had applied two different business cards with Chase to no avail. It asked for a document showing company name and address which I do not have.

  2. $100 after 7x$100 Flight purchases or In-Flight purchases? The fine print mentioned in-flight purchases count, but I didn’t see flight’s themselves either listed or explicitly excluded.

    • $100 United Annual Travel Credit
      Each anniversary year that you make seven (7) United flight travel-related purchases, each totaling $100 or more, with your United? Business Card, you will receive a $100 statement credit. United flight travel-related purchases include seat upgrades; Economy Plus®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. Anniversary year means the year beginning with your card account open date through the anniversary of the account open date, and each 12 months after that. The statement credit will post to your account within 24 hours of your 7th United $100 or more purchase posting to your account. To qualify, account must be open and not in default at the time of fulfillment.

      It seems clear from the terms that United flight purchases don’t officially count. Anecdotally, I have seen reports that other United purchases have counted.

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