The United Business card fits small-business owners who fly United, earning 2 miles per dollar on United purchases plus gas, dining, office supplies, and local transit including rideshare, with 1 mile on everything else. The signup bonus was recently trimmed from 100,000 to 90,000 miles, but it still comes with 2,000 Premier qualifying points after spending $5,000 in the first 3 months. Day-to-day travel perks include a free first checked bag for you and a companion, priority boarding, and two United Club one-time passes each anniversary year. Against the $150 annual fee, the card stacks up credits for Instacart, rideshare, JSX, Renowned Hotels, Avis or Budget, and FareLock, but most require enrollment, specific bookings, or a United-only purchase, so their real value depends on whether you would spend there anyway. The $125 United travel credit, for example, only unlocks after five United flight purchases of $100 or more in a calendar year.
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 |