The United Business is a solid pick for business owners who fly United, pairing a 90,000-mile bonus after $5,000 in spend in the first 3 months, plus 2,000 Premier qualifying points, with a $150 annual fee. That bonus was recently trimmed from 100,000 miles, but it remains a large welcome offer. Ongoing earn is 2 miles per dollar on United purchases, gas, dining, office supplies, and local transit including rideshare, with 1 mile on everything else. The perks are where the fee pays off: a free first checked bag for you and a companion, priority boarding, two United Club passes each year, and a long list of credits, including $125 back after five United flights of $100 or more, up to $120 in Instacart credits, and $100 in rideshare credits. The catch is that many of those credits require specific bookings or enrollment, so the card is only worth its fee if you actually fly United and will use several of them.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines United purchases | 2x |
Gas | 2x |
Dining Dining including eligible delivery services | 2x |
Office Supply Stores | 2x |
Transit Local transit and commuting, including rideshare | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
United Travel Credit $125 United credit after five United flight purchases of $100 or more in a calendar year | $125 /yr |
Renowned Hotels Credit $50 per prepaid United Hotels (Renowned Hotels) stay, up to twice per anniversary year | $100 /yr |
Rideshare Credit $8 in monthly rideshare credits January through November and $12 in December each calendar year | $100 /yr |
Instacart Credit Up to $10 in monthly Instacart credits through December 31, 2027 | $120 /yr |
Avis / Budget Credit $25 per rental booked through cars.united.com, up to twice per anniversary year | $50 /yr |
JSX Credit Up to $100 per anniversary year on JSX flight purchases | $100 /yr |
FareLock Credit Up to $25 per anniversary year toward FareLock fare holds | $25 /yr |
25% Back on Inflight Purchases 25% back as a statement credit on United inflight food, beverage, and Wi-Fi purchases and United Club premium drinks | 25% |
Award Booking Discount Save 10% or more on the miles needed when booking United award flights with miles; Premier members save even more | 10% |
| Total annual credits | $620 |
Card details
Regular APR | 19.74%–28.24% variable |
Foreign transaction fee | None |