United Business Credit Card – A Good Choice for Small Businesses

If you fly with United Airlines frequently, you might want to consider a card that earns United miles and provides perks specific to the airline. The United Business Card is a good choice for many small-business owners and aspiring entrepreneurs.

The United Business Card has an annual fee of $99, but it comes with a sign-up bonus, an annual travel credit and ongoing rewards rate that make the fee more than worth it. Plus, if you also have a personal United credit card, you can earn 5,000 bonus miles each year on your anniversary of owning both cards.


The United business credit card offers plenty of benefits for small businesses. For example, it earns United miles on qualifying purchases and provides valuable perks when flying with the carrier.

The card also comes with an annual fee that is waived for the first year, which can help offset some of the costs of owning it. However, if you are not able to justify the cost of the card year after year, you may want to find another option.

One benefit that many business owners find helpful is a one-year complimentary membership to DoorDash. That membership includes a DashPass for free deliveries and reduced service fees on eligible orders of up to $12 a month, and it’s an excellent way to save money on shipping costs.

It also includes primary insurance coverage for rental cars when used on business trips, which can help cover any damage incurred during a vehicle rental. If you rent a car frequently, this is worth considering because it can spare your company the expense of paying for insurance until the rental car company settles with the insurer of your vehicle at home.

You’ll also receive 25% back on food, beverage and Wi-Fi purchases made on board United- and United Express-operated flights when you use your United(sm) Business Card. The credit will post to your account within 24 hours of the purchase.

This card is ideal for small businesses that make a significant amount of flight-related expenses each year. For example, a small business that makes seven flight-related purchases of $100 or more in a calendar year will receive a $100 statement credit, which completely offsets the annual fee on this card.


The United Business Card is a great option for small businesses that fly United with any frequency. The card offers many useful benefits, such as priority boarding and a free checked bag, and it also comes with a rewards plan that can save you money on airfare.

Eligibility requirements for the card vary depending on your business, but a credit score of 670 or higher is generally required. You may also be required to provide a social security number or Employee Identification Number (EIN).

If your business has been in operation for several years and your revenue has been growing, you should be able to get the card. However, you should consider other factors before applying, including your current debt load and other financial issues that could affect your credit score.

Before you apply for a business credit card, make sure you understand the terms and conditions of the account. You should know whether your business will be responsible for the payments, what type of coverage will be provided to you and how much of an annual fee will be charged.

You will also need to know whether you will be using the card for business or personal purchases. If you use the card for both, the rewards structure will be different and your earnings will not be as high as they would be if your business purchases were solely for your own benefit.

As with most credit cards, you should pay off the balance each month in order to avoid any late fees or interest charges. This will help you to maximize your rewards.

Annual fee

The annual fee for using a united business credit card is $99 per year, which is quite reasonable considering the card’s sign-up bonus, annual travel credit and ongoing rewards rate. If you are a frequent United Airlines traveler and need an affordable way to earn airline miles, the United Business Card is a great choice.

The card’s 75,000-mile sign-up bonus is worth around $600, and its two one-time passes to United Club lounges and $100 travel credit for taking seven or more United flights in a year are worth roughly double that amount. The card also offers solid travel protections, including primary auto-rental collision damage waiver, baggage delay and lost luggage reimbursement.

This card is a great choice for small businesses that fly United Airlines with any frequency. Its perks can more than offset the annual fee, and it has a strong reputation for customer service, making it easy to contact Chase via phone or online.

In addition, this card has some useful perks for United Airlines passengers, such as priority boarding and a free checked bag for you and up to one companion. The card also has a generous rewards plan that earns 2 Mileage Plus miles per dollar spent on United Airlines and local transit, restaurants, gas stations and office supply stores.


A United business credit card is a good choice for small businesses that fly with the airline regularly. It offers perks such as priority boarding, free checked bags and free United Club passes that can help save time and money when traveling with the airline. It also earns miles from United Airlines purchases and offers valuable travel perks like hotel stays, inflight Wi-Fi and car rentals.

You should compare the perks on each United business credit card to determine which one is right for you. The best card for you will depend on how much spending you do and how frequently you travel with United Airlines or its Star Alliance partners.

If you don’t use United flights regularly, you may want to consider a different type of credit card that offers broader travel benefits. This can include a credit card that earns points from various merchants or a personal card with a higher sign-up bonus, a lower annual fee and more flexible rewards rates.

The United Business Card comes with a $99 annual fee and has high APR, but it does have a generous sign-up bonus, free United Club passes and great travel perks that can help offset that cost. In addition to its perks, this card offers a number of consumer protections and a solid rating from J.D. Power’s 2020 National Banking Satisfaction Study.

Depending on how you plan to use your card, it may make sense to add it to a mobile wallet such as Google Pay, Apple Pay or Samsung Pay. This will ensure you can access your account anywhere and at any time.

Also read: The Importance of Annual Business Revenue

You can also use the United Business Card to book hotels and resorts through The Luxury Hotel & Resort Collection. These properties provide elite-like benefits, including room upgrades and daily breakfast.

Leave a Comment