United℠ Business Card
United's small business workhorse. You earn 2x miles on the categories businesses actually spend in, get a free first checked bag and two United Club passes a year, and can bank up to 110,000 bonus miles plus 2,000 PQP up front. The fee is $150. Holding a personal United card adds a 5,000-mile anniversary bonus.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Up to 110,000 bonus miles plus 2,000 PQP in the welcome offer
- Free first checked bag for you and a companion on United
- 2 United Club one-time passes every anniversary year
- $125 United travel credit yearly after 5 qualifying United flight purchases
- 2x miles on gas, dining, office supply stores and local transit
- 5,000 anniversary miles when paired with a personal United card
- Free employee cards that all feed one mile balance
- Annual fee: $150
- Purchase APR: 19.99% - 28.49% Variable
- Intro APR: N/A
- Balance transfer APR: 19.74% - 28.24% Variable; fee: Either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable; fee: Either $15 or 5% of each transaction, whichever is greater
- Late payment fee: $40
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on October 26, 2026 and may change.
- Your business flies United and checks bags; the bag benefit and Club passes recover the fee
- Your operating spend concentrates in gas, dining, office supplies and transit, all 2x categories
- You want one large mile pool from employee cards at no extra cost
- You hold a personal United card and want the 5,000-mile anniversary kicker
- You should skip it if your team rarely flies United; a flat-rate business travel card earns more flexibly
Score guess
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Your guess: 700
Approved at 670 to 739
United℠ Business Card Review
The United℠ Business Card gives small businesses United's bag and boarding perks with earning categories aimed at operating spend. This review covers the six-figure welcome offer, the $125 travel credit and where the $150 fee lands.
How You Earn
The 2x categories map to small business operating costs, and United flights earn 8x total with member miles included.
- Up to 110,000 miles plus 2,000 PQP in the welcome offer
- 1 PQP per $20 spent, up to 4,000 PQP a year
| Category | Earn rate |
|---|---|
| Eligible United flights (total incl. member miles) | 8x miles |
| Other eligible United purchases | 2x miles |
| Gas stations | 2x miles |
| Dining | 2x miles |
| Office supply stores | 2x miles |
| Local transit and commuting | 2x miles |
| All other purchases | 1x miles |
How You Redeem
Miles pool in the owner's MileagePlus account for United and Star Alliance awards, so business spend funds personal travel.
- United and Star Alliance award flights
- Seat upgrades and extras through MileagePlus
- Employee card spending feeds the same balance
Benefits and Protections
Travel perks mirror the personal Explorer card, with business-grade credits added.
- Free first checked bag for cardmember and a companion
- Priority boarding on United flights
- 2 United Club one-time passes each year
- $125 United travel credit after 5 United flight purchases of $100+
- Partner credits: up to $120 Instacart, $100 United Hotels, $100 rideshare, $100 JSX, $50 Avis and Budget, $25 FareLock
- 25% back on United inflight purchases
Who This Card Is For
A fit for owner-operators and small teams that fly United several times a year and buy their own gas, meals and supplies. Heavy United travel with lounge needs points to the Club Business card instead.
- Small businesses flying United regularly
- Teams wanting pooled miles from employee cards
- Owners pairing business and personal United cards
Comparison
| Feature | United℠ Business Card | Citi® / AAdvantage Business™ World Elite Mastercard® | Southwest Rapid Rewards® Performance Business Credit Card |
|---|---|---|---|
| Annual Fee | $150 | $0 intro first year, then $99 | $299 |
| Welcome Offer | Up to 110,000 miles + 2,000 PQP | 65,000 miles ($4,000 in 4 mo) | 80,000 points ($5,000 in 3 mo) |
| Rewards Rate | 8x total United flights, 2x business categories | 2x AA and select business categories | 4x Southwest, 2x gas, dining, transit |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | United business flyers | American Airlines business flyers | Southwest business flyers |
Issuer Comparison
| Feature | United℠ Business Card | United Club℠ Business Card | United℠ Explorer Card |
|---|---|---|---|
| Annual Fee | $150 | $695 | $0 intro first year, then $150 |
| Welcome Offer | Up to 110,000 miles + 2,000 PQP | Up to 110,000 miles + 2,000 PQP | Up to 60,000 miles |
| Rewards Rate | 8x total United flights, 2x business categories | 8x total United flights, 1.5x everything else | 9x total United flights, 2x hotels, dining |
| Key Credits | $125 United credit, 2 Club passes | United Club membership, $925+ partner credits | 2 Club passes, $100 GE credit |
| Best For | United business flyers | Business owners living in United Clubs | Personal United flyers |
Approval results for this card
45 results: 43 approved, 2 denied. Approval rate 75% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 740 to 799 | Experian | $150k and above | CO | May 2026 |
| Approved | 740 to 799 | Not sure | $50k to $75k | NY | Feb 2026 |
| Approved | 800 and above | Experian | $150k and above | CO | Oct 2025 |
See all 45 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
