The United Business is built around the everyday perks rather than the earn rate: free first checked bag for you and a companion, priority boarding, two United Club passes each year, and a stack of annual credits including $125 in United travel after five qualifying flight purchases, $100 toward Renowned Hotels stays, $100 in rideshare credits, and $120 in Instacart credits. The 100,000-mile signup bonus after $5,000 in three months, plus 2,000 Premier qualifying points and another 10,000 miles for adding an employee card, is a strong opening for a $150 annual fee. Earning is where it gets thinner: the 2x rate on airline spend applies only to United purchases, and while gas, dining, office supplies, and transit also earn 2 miles per dollar, everything else sits at 1. The credits also come with strings, since the rideshare and Instacart benefits require enrollment and the Instacart perk is scheduled to end at the end of 2027. This works best for a small business that flies United often enough to use the bag waiver and lounge passes rather than one chasing raw earn rates.
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 |