MoneyGeek’s Take

United℠ Business Card Review

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ByGrace Pilling
Reviewed byAlene Laney
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ByGrace Pilling
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Reviewed byAlene Laney
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Updated: June 11, 2024

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United℠ Business Card

Rewards RateEarn 2 miles per dollar on local transit and commu...
APR21.99% – 28.99% Variable
Annual Fee$99
Recommended CreditGood–Excellent

The United℠ Business Card is an invaluable financial tool for business professionals and frequent travelers. With its emphasis on rewarding miles through travel with United Airlines and daily business-related expenses, it truly stands out in the travel category. Coupled with an enticing welcome bonus and array of valuable travel perks, this card ensures a comfortable journey from the airport lounge to your final destination. While there is an annual fee to consider, its benefits and protections make it a compelling option for those seeking to blend business with travel pleasures cost-effectively.

United℠ Business Card Overview

When selecting a credit card, carefully evaluating its features is crucial to ensure it aligns with your financial and lifestyle needs.

  • Rewards rate: Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
  • Welcome offer:Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Regular APR: 21.99% – 28.99% (variable)
  • Annual fee: $0 introductory annual fee for the first year, then $99.
  • Intro APR offer: None

Important Card Details

The United℠ Business Card offers features catering to frequent travelers and modern professionals. In our in-depth analysis, we'll explore the card's rewards system, benefits for loyal customers and other notable offerings to provide a holistic view of its value.

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    Generous Welcome Offer

    The United℠ Business Card offers an impressive 75,000 bonus miles after you spend $5,000 in the first three months. This is a significant incentive for new cardholders, translating into substantial savings on future travel with United Airlines. It's a lucrative kick-start for businesses or individuals who frequently travel, enhancing their ability to offset travel costs.

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    Rewards on United and Business Categories

    This card earns 2x miles on United Airlines purchases — as well as expenses like gas, food at restaurants, office supplies, local transit and commuting — catering specifically to the needs of business travelers. Additionally, the card accumulates 1x miles on all other purchases. These rewards provide an effective way to maximize savings on everyday business expenses, making this card a strategic choice for entrepreneurs and professionals.

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    Travel Perks and Protections

    With the United℠ Business Card, travel becomes not just affordable but comfortable. From free checked bags and United Club lounge access to travel insurances such as trip cancellation, delay insurance and auto rental collision damage waiver, this card ensures a stress-free travel experience. Add perks during stays at Luxury Hotel and Resort Collection properties, and the card becomes a comprehensive travel companion.

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    Annual Fee

    The card's $99 annual fee ($0 introductory annual fee for the first year) can be a potential drawback, especially if the cardholder's spending patterns do not align with the specific bonus categories. The benefits of the card must be utilized thoughtfully to ensure that the rewards earned offset this recurring charge, making the card suitable mainly for those who can take full advantage of its travel and business-related perks.

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    Absence of Intro APR Offers

    The United℠ Business Card lacks any introductory low-APR offer. With a regular variable APR of 21.99% – 28.99%, this might deter some prospective cardholders. The absence of this offer highlights that the card is designed more for those who pay off their balances regularly and are focused on leveraging the travel benefits rather than those seeking flexibility in paying off initial large expenses over time.

How the United℠ Business Card Compares

Comparing the features and benefits of two credit cards can offer invaluable insights to determine which best suits your financial and lifestyle preferences.

How This Card Compares

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United℠ Business Card
  • Rewards rate: Two miles per dollar on local transit and commuting, including train tickets, taxi cabs, mass transit, tolls and rideshare services; two miles per dollar at gas stations, dining (including eligible delivery services) and office supply stores; two miles per dollar on United purchases and one mile per dollar on all other purchases
  • Welcome offer: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Regular APR: 21.99% – 28.99% (variable)
  • Annual fee: $0 introductory annual fee for the first year, then $99.
  • Intro APR offer: None
  • Best for: Business professionals and frequent travelers who want to maximize rewards on everyday expenses while enjoying benefits with United Airlines.
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Capital One Spark Miles for Business
  • Rewards rate: 5x on hotels and rental cars booked through Capital One Travel and 2x miles on all purchases
  • Welcome offer: Earn 50,000 miles if you spend $4,500 in the first three months
  • Regular APR: 26.24% (Variable)
  • Annual fee: $95, $0 intro for the first year
  • Intro APR offer: None
  • Best for: Business professionals seeking high rewards on travel bookings, consistent miles on all purchases and a competitive welcome bonus with a first-year, no-cost annual fee.

About Grace Pilling


Grace Pilling headshot

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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