Earn up to 150,000 Miles for a Limited Time
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- The United℠ Business Card is offering an elevated welcome bonus worth up to 150,000 miles for a limited time.
- You can earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening, plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months.
- The card offers excellent benefits including a free first checked bag and priority boarding.
- Read Insider’s guide to the best airline credit cards.
United Airlines flyers have plenty of choices if they’re looking for a co-branded credit card. Chase issues a total of six United credit cards, ranging from a no-annual-fee version to premium cards with United Club airport lounge access.
For small-business owners, the United℠ Business Card is an excellent pick. With a reasonable $99 annual fee, it’s great for frequent and even occasional flyers. And it’s now brought back the record-high bonus we first saw earlier this year: 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening, plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months.
The spending requirement to unlock the full bonus is pretty hefty, but if you can manage it, the 150,000 miles you’ll earn are worth around $1,950 in flights, based on Insider’s valuation of 1.3 cents per United mile.
United miles are useful even if you don’t fly the airline often, because you don’t have to redeem them for United flights. You can also use United miles for award flights on Star Alliance and non-alliance partners, including Air Canada, Lufthansa, and Aer Lingus.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
United Business Card: Earn up to 150,000 miles
17.99% – 24.99% Variable
Recommended Credit Score
Good to Excellent
17.99% – 24.99% Variable
Recommended Credit Score
Good to Excellent
- Solid travel benefits with United, including a free checked bag and priority boarding
- $100 annual United travel credit is relatively easy to earn
- Beyond the sign-up bonus, it will take a while to earn a lot of miles through everyday spending on this card
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- Earn up to 150,000 bonus miles. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months your account is open.
- Receive a 5,000-mile “better together” bonus each anniversary when you have both the UnitedSM Business Card and a personal Chase United® credit card.
- 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. Plus, employee cards at no additional cost – miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag – a savings of up to $140 per roundtrip (terms apply), 2 United ClubSM one-time passes per year, and priority boarding privileges.
- 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.
- $100 United® travel credit after 7 United® flight purchases of $100 or more each anniversary year.
To qualify for the United℠ Business Card, you’ll need to have a small business — but it doesn’t need to be a huge corporation or LLC. If you have a side gig like freelancing, driving for Uber, or Airbnb hosting, you could be eligible for a small-business card.
United Business Card benefits
Along with a sky-high welcome bonus offer, the United℠ Business Card comes with perks that can save you money when you fly United, including:
- A free first checked bag (worth $35 each way) for the cardholder and one companion on the same reservation (you must use the card to pay for your ticket, or the taxes and fees on an award ticket)
- Two United Club one-time passes each card anniversary
- Priority boarding
- 25% back as a statement credit on United inflight purchases
- $100 United credit after making seven or more United flight purchases of $100 or more each card anniversary year
In addition, cardholders receive a “better together” bonus of 5,000 bonus miles each card anniversary when they have the United℠ Business Card and a personal United credit card like the United℠ Explorer Card, United Gateway℠ Card, United Club℠ Infinite Card, or United Quest℠ Card.
The United℠ Business Card also earns bonus miles in a wide variety of categories that can be helpful for small businesses, including 2x miles on United purchases, dining, gas stations, office supply stores, and local transit and commuting. All other eligible purchases earn 1 mile per dollar.
If you’re working toward elite status with United, the United℠ Business Card can give you a boost toward your goal. Cardholders receive 500 Premier Qualifying Points (PQP) for every $12,000 spent on purchases with the card, up to 1,000 PQP per calendar year.
On top of United-specific perks, the United℠ Business Card comes with a broad array of purchase and travel protections, including primary car rental insurance (when renting for business purposes), baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance, trip delay reimbursement, purchase protection, and extended warranty.
You can read about the full range of benefits in our United Business Card review.
How to use United miles
If you meet the full spending requirement to earn the welcome bonus, you’ll have 150,000 United miles (plus at least another 20,000 miles from meeting the card’s minimum spending requirement).
Although United no longer has an official award chart and has moved to dynamic pricing, you can expect to pay anywhere from 5,000 to 30,000 miles for a domestic award flight in economy class, and more for flights to other regions. Exact pricing depends on the route, award availability, and time of year.
However, one little-known perk on all United credit cards is expanded award availability. If you have a United card, you’ll see more available saver award seats than the general public. This is handy if you’re looking for multiple award flights, and can save you a ton of miles.
At the saver level, 150,000 United miles should be enough for at least two round-trip economy award flights to Europe or Asia, or multiple round-trip flights within North America.
Which United credit card is right for you?
The United℠ Business Card has the highest welcome bonus of any United card right now, but that doesn’t mean it’s the best deal for everyone — especially considering the minimum spending requirement is so high. Here’s a comparison between the United℠ Business Card and other United cards with strong welcome bonuses and perks:
If you don’t fly United often enough to take advantage of these cards’ United-specific benefits, but still want to earn United miles, it’s also worth looking at cards that earn transferable Chase Ultimate Rewards® points. When you have the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you can transfer Ultimate Rewards points to United at a 1:1 ratio — as well as to over a dozen other Chase transfer partners.
Be sure to read Insider’s guide to earning, redeeming, and maximizing Chase Ultimate Rewards points to find out how to make the most of your rewards.