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The card_name from Chase offers travel rewards that can be redeemed for free flights and travel perks like free checked bags, United Club passes, priority boarding, and travel credits. It has a low annual fee and $0 foreign transaction fee, and it is ideal for those who fly with United Airlines frequently.
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| Intro APR | intro_apr_rate,intro_apr_duration |
|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | Good - Excellent |
When grading travel rewards business credit cards like the UnitedSM Business Card, we first rate the ongoing rewards and introductory rewards. Then, we evaluate the travel perks, annual fee, other fees, and introductory and ongoing APRs.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 20 | 25 |
| Introductory Rewards | 25 | 25 |
| Features | 10 | 10 |
| Annual Fee | 8 | 10 |
| Other Fees | 10 | 10 |
| Introductory APR | 0 | 10 |
| Ongoing APR | 8 | 10 |
| Total Score | 81 | 100 |
Who the card_name Is Best For
- Business owners who fly with United Airlines frequently: It offers rewards that can be used for free flights with United Airlines and its partners.
- Business owners who want travel perks: Using this card will give you access to priority boarding, free checked bags for you and your companions, and United travel credit.
If this doesn’t fit your needs, see our
below.
card_name Rewards
- bonus_miles_full
- 7x miles per dollar on United flights—5x miles on fare from United as a MileagePlus member, plus 2x miles on the entire United purchase with the United Business Card
- 2x miles per dollar on other United purchases
- 3x total miles on hotel stays booked through United Hotels—2x miles from United as a MileagePlus member, plus 1x mile earned with the United Business Card
- 2x miles per dollar on dining (including eligible delivery services), gas, office supplies, and local transits (including ride-share services, taxicabs, train tickets, tolls, and mass transit)
- 1x miles on all other eligible purchases
- $100 United annual travel credit when you make seven United flight purchases worth at least $100 each
- 5,000 anniversary bonus miles when you have the UnitedSM Business Card and a personal United credit card
Rewards Calculator
Find out how much you can earn from the card_name based on your estimated monthly expenses using our calculator below. All you have to do is enter your anticipated monthly expenses based on the indicated expense categories, and the calculator will compute your potential annual rewards.
The value of United Miles varies depending on how they are redeemed. Typically, one mile is worth slightly more than a cent. For this calculator, we will compute rewards based on the value of 1.2 cents per mile.
United℠ Business Card Rewards Calculator
Your potential annual reward earnings are:
You can redeem your miles for United or United partner airline flights (without restrictions of blackout dates), seat upgrades, inflight purchases, TSA PreCheck®, and United ClubSM membership.
You may also use miles for hotel stays, car rentals, cruises, merchandise, Apple products, gift cards and e-gift cards, and tickets for exclusive events and Broadway shows. You also have the option to transfer or donate miles to partner programs.
card_name Features
- Free first checked bag: Enjoy a free checked bag, one for you and one for a companion, and save up to $160 per United-operated round-trip flight. To be eligible, you need to indicate your United MileagePlus® number in your reservation.
- Priority boarding: Board first on any United-operated flight. You and your companions included on the same reservation can enjoy this benefit.
- United ClubSM one-time passes: Receive 2 United ClubSM one-time passes after opening an account and each account anniversary year and access United ClubSM locations.
- 25% back on United inflight and Club premium drink purchases: Get 25% back as a statement credit on food and beverage purchases and Wi-Fi during your United-operated flights. This also applies to purchases of Club premium drinks.
- Auto rental collision damage waiver: Get reimbursement up to the vehicle’s actual cash value for theft and collision damage for most cars in the US and abroad. To be eligible, you need to decline the rental company’s collision insurance and charge the entire rental cost to your card.
- Baggage delay insurance: Get reimbursed for essential purchases like toiletries and clothing for baggage delays over six hours—up to $100 per day for three days.
- Lost luggage reimbursement: Get covered up to $3,000 per passenger if your or an immediate family member’s checked or carry-on luggage got damaged or lost by the carrier.
- Trip cancellation/interruption insurance: Get reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger fares. To be eligible, the trip must have been canceled or cut short due to sickness, severe weather, or other covered conditions.
- Trip delay reimbursement: Get covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket if your trip is delayed more than 12 hours or requires an overnight stay.
- Purchase protection: Protect your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Extended warranty protection: Extend the manufacturer’s US warranty by one additional year on eligible warranties of three years or less.
- Premier qualifying points (PQP): Earn 25 PQP for every $500 spent on purchases (up to 1,000 PQP in a calendar year). You can use your PQP to qualify for Premier status up to the Premier 1K® level.
- MileagePlus® Miles: Earn miles not just on purchases made with your card but also by flying with UnitedSM, United Express®, Star Alliance, and other United airline partners—plus, miles don’t expire.
- The Luxury Hotel & Resort Collection: Book a stay at over 1,000 properties under The Luxury Hotel & Resort Collection and enjoy complimentary benefits, such as daily breakfast for two, dining or spa credit, complimentary Wi-Fi, room upgrades, and early check-in and late checkout.
- United card events from Chase and United MileagePlus® events: Access private, curated, once-in-a-lifetime experiences, such as exclusive sports events, winemaker dinners, and other unique virtual events.
- Visa Concierge: Access complimentary Visa Signature® Concierge Service 24 hours a day.
- Complimentary DashPass from DoorDash: Receive a one-year complimentary DashPass, a membership for both DoorDash and Caviar, providing unlimited deliveries with $0 delivery fees and lower service fees on eligible orders.
card_name Fees
APR
- Introductory: intro_apr_rate,intro_apr_duration
- Ongoing, balance transfers, and My Chase LoanSM: reg_apr,reg_apr_type
- Cash advance: cash_advance_apr
- Penalty: Up to 29.99% variable—adjusts with the prime rate; this will be applied to your account indefinitely if you either failed to make a minimum payment by the date and time it’s due or made an unpaid returned payment
Fees
- Annual: annual_fees
- Balance transfer: balance_transfer_fees
- Cash advance: cash_advance_fee
- Foreign transaction: foreign_transaction_fee
- Late and returned payment: late_payment_fee
- Returned check: $0
Your due date is at least 20 days after the close of each billing cycle.
- Online or Chase Mobile® App: Go to www.chase.com/paycard to sign in and pay online.
- Automatic payments: Set up automatic payments through the website and/or the iOS or Android mobile apps. When you enroll, indicate the deposit account from which your payment will be deducted and how much you’d like to pay, such as statement balance or minimum payment due.
- Phone: Call the automated phone service at (800) 436-7958 to make payments.
- Mail or money order: Send your payment by mail or money order. Make sure to include your name and full account number on your check or money order, and don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
For overnight mail, send your payment to:
Chase Card Services
201 N. Walnut St.
De1-0153
Wilmington, DE 19801
card_name Alternatives
American Express Business Platinum Card®
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
Earn 200,000 Membership Rewards® Points when you spend $20,000 on eligible purchases in the first three months of card membership, making it an ideal option if you need a high credit limit and plan to make a large purchase. It also comes with luxury travel perks, like access to more than 1,550 airport lounges around the world. Plus, it offers generous rewards on purchases and over $3,500 in business and travel value annually after meeting qualifying spend thresholds.
Business Advantage Travel Rewards World Mastercard® Credit Card
| Intro APR | 0% 9 billing cycles |
|---|---|
| Regular APR | 18.49% - 28.49% Variable APR on purchases |
| Annual Fee | $0.00 |
| Credit Needed | Excellent |
Earn up to 3x points on purchases, which you can use for travel or statement credit. If you have an existing Bank of America business checking account and can qualify for the Preferred Rewards for Business program, you’ll receive up to 75% more points.
What’s more, it comes with $0 annual and foreign transaction fees, 0% APR for nine months on purchases, and 30,000 online bonus points when you meet the spending requirements. Read our Bank of America business checking review to learn more.
U.S. Bank Business Altitude® Connect Visa Signature®Card
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
This card comes with Priority PassTM Digital annual membership with access to more than 1,700 VIP lounges worldwide, plus four complimentary visits per membership year. You can earn 60,000 points (worth $600) if you spend $6,000 in the first 180 days of opening your account. Plus, you can pay your eligible balance over time with the U.S. Bank ExtendPay® Plan without interest (just a small monthly fee).
Frequently Asked Questions (FAQs)
You can earn up to 10,000 bonus miles when you refer a friend that gets approved for any United MileagePlus® Car—up to 100,000 bonus miles per year. If you need more miles, you can buy miles at $35.00 per 1,000 miles. Note that taxes and fees may apply. Also, you need to make a minimum purchase of 2,000 miles per transaction.
The miles that you earned will not expire as long as your account remains open and in good standing. Note that you may lose your miles that were not transferred to your United account if your account status changes or if your account is closed due to misuse, failure to pay, fraudulent activities, and other reasons.
You’ll need to provide your personal information, including your Social Security Number. You’ll also need to provide your business information, such as your business’s legal name, contact details, address, and employer identification number (EIN). You’ll also be asked to provide your business category, industry type, and estimated monthly spend. Plus, you’ll need a good to excellent credit score to qualify.
Bottom Line
card_name is best for business owners who fly primarily with United Airlines and want to earn rewards for free flights. It’s also a great option for travelers who usually check a bag and travel with a companion. On top of those, you’ll get to enjoy various travel perks and other benefits. Keep in mind, however, that it does not offer a 0% APR period and doesn’t provide unlimited free access to United Club.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Business Platinum Card®
