UnitedSM Business Card Review for 2022

In 2022, UnitedSM will be a major player in the financial market.
UnitedSM is just one of many blockchain companies that has seen success as more and more people are opting to use this new technology for their day-to-day transactions.

UnitedSM Business Card Review for 2022 is a card that is meant to be used by businesses. It offers an annual fee of $150,000 and a sign-up bonus of $50,000. Read more in detail here: united business card 150k.

The UnitedSM Business Card is intended for business travelers who travel with United Airlines on a regular basis. This credit card for small businesses has a low annual cost of $99 and no international transaction fees. It provides travel benefits such as free checked bags, Passes to the United Club, and Boarding Priority, as well as travel perks such as free checked bags, Passes to the United Club, and Boarding Priority.

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Those who fly United Airlines often and wish to earn travel rewards

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Chase’s Protected Website

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APR on a regular basis

Variable 16.49 percent – 23.49 percent

• Spend $5,000 on purchases in the first three months of your account to earn 75,000 miles.
• For the first year, there is no annual fee; after that, it is $99.
• When you carry both the UnitedSM Business Card and a personal United® credit card, you’ll earn a 5,000-mile “better together” incentive on your anniversary.
• Earn 2 miles for every $1 spent on United® purchases, eating (including qualified delivery services), petrol stations, office supply retailers, and local public transportation and commuting.
• On all other purchases, you’ll earn 1 mile for every $1 you spend. Employee cards are also available at no extra cost, and miles earned from their purchases are credited to your account, allowing you to earn rewards quicker.
• Enjoy a complimentary first checked bag worth up to $140 per roundtrip (terms apply), as well as two United ClubSM one-time passes each year and Boarding Priority.
• Each anniversary year, following 7 United® flight purchases of $100 or more, you’ll get a $100 United® travel credit.

Pros

• Sign-up bonus is substantial.
• Employee cards are available at no cost.
• There are no costs for international transactions.

Cons

• After the first year, there is an annual cost.
• There is no introductory rate of 0%.
• Low travel rewards in the long run

• Purchases of food, drinks, and WiFi aboard United and United Express flights will earn you 25% back in the form of a statement credit.
• $100 United Annual Travel Credit: Earn a $100 statement credit each year when you spend $100 on United flight travel-related expenditures, including as seat upgrades, Economy Plus®, in-flight food and drinks, Wi-Fi, baggage service charges, or other United costs.
• Boarding Priority: Boarding Priority is available to you and your companions who are going on the same reservation.
• Earn Premier Qualifying Points (PQP): For every $12,000 in net purchases, you will get 500 PQP, up to a maximum of 1,000 PQP every calendar year.

APR on a regular basis

Variable 16.49 percent – 23.49 percent

• Spend $5,000 on purchases in the first three months of your account to earn 75,000 miles.
• For the first year, there is no annual fee; after that, it is $99.
• When you carry both the UnitedSM Business Card and a personal United® credit card, you’ll earn a 5,000-mile “better together” incentive on your anniversary.
• Earn 2 miles for every $1 spent on United® purchases, eating (including qualified delivery services), petrol stations, office supply retailers, and local public transportation and commuting.
• On all other purchases, you’ll earn 1 mile for every $1 you spend. Employee cards are also available at no extra cost, and miles earned from their purchases are credited to your account, allowing you to earn rewards quicker.
• Enjoy a complimentary first checked bag worth up to $140 per roundtrip (terms apply), as well as two United ClubSM one-time passes each year and Boarding Priority.
• Each anniversary year, following 7 United® flight purchases of $100 or more, you’ll get a $100 United® travel credit.

Pros

• Sign-up bonus is substantial.
• Employee cards are available at no cost.
• There are no costs for international transactions.

Cons

• After the first year, there is an annual cost.
• There is no introductory rate of 0%.
• Low travel rewards in the long run

• Purchases of food, drinks, and WiFi aboard United and United Express flights will earn you 25% back in the form of a statement credit.
• $100 United Annual Travel Credit: Earn a $100 statement credit each year when you spend $100 on United flight travel-related expenditures, including as seat upgrades, Economy Plus®, in-flight food and drinks, Wi-Fi, baggage service charges, or other United costs.
• Boarding Priority: Boarding Priority is available to you and your companions who are going on the same reservation.
• Earn Premier Qualifying Points (PQP): For every $12,000 in net purchases, you will get 500 PQP, up to a maximum of 1,000 PQP every calendar year.

By marking off this card and up to two additional options, you may compare the attributes of one card to those of another (see Alternatives to the UnitedSM Business Card). In a side-by-side comparison, you can see the intricacies of each card.

How Do We Assess Business Travel Rewards Credit Cards?

We examine the continuing benefits, initial perks, and other features when assessing business travel credit cards like the UnitedSM Business Card. We also consider the annual fee, the interest-free period, and the ongoing annual percentage rates (APRs).

Who Should Use a UnitedSM Business Card?

• For regular United Airlines flyers, the UnitedSM Business Card provides benefits that may be used for free flights on United and its partners.
• When travelling on United Airlines, this card entitles the cardholder and a traveling companion to one free checked bag each.

Fees for UnitedSM Business Cards

• APR for the first time: None
• Ongoing Annual Percentage Rate (APR): 16.49 percent to 23.49 percent variable (adjusts with prime rate)
• The annual charge is $99
• Fee for balance transfers: $5 or 5% of the amount transferred, whichever is larger.
• Fees for international transactions: none
• Cash advance fee: $15 or 5% of each transaction’s total amount, whichever is greater—APR is 24.99 percent.

Rewards with the UnitedSM Business Card

• Spend $5,000 on purchases during the first three months after creating an account to earn 75,000 miles.
• 2 miles on United Airlines purchases, including as tickets, Economy Plus®, in-flight food and drinks, Wi-Fi, and other United expenses.
• Every dollar spent on restaurants, qualified delivery services, petrol, office supplies, and local transportation and commuting earns you 2 miles.
• For every $1 spent on any other purchases, you will get one mile.
• When you hold the UnitedSM Business Card and a personal United credit card, you may earn 5,000 extra miles on your anniversary.

You may use your points to buy flights with United or United’s partner airlines. You will be liable for any government-imposed taxes and fees on aircraft tickets. While there are no ban dates, reward tickets are not guaranteed to be available on all flights. You may spend your miles for hotel stays, vehicle rentals, retail, and e-gift cards, among other things. For United ticket purchases and your yearly card membership fee, you may get a statement credit.

Additional Features of the UnitedSM Business Card

Passes to the United Club

After creating an account and on each account anniversary, you may earn two one-time access to the airline’s lounges with the UnitedSM Business Card. This ticket provides free refreshments, food, and Wi-Fi while you wait for your flight, which is worth more than $100 every year.

The First Checked Bag is Free

You and one friend flying on the same reservation may check one bag for free each way with the UnitedSM Business Card. This incentive is worth up to $140 each round-trip ticket since United charges $35 per checked bag.

Boarding Priority

You and your companions on the same reservation will be able to board United-operated flights prior to general boarding. Boarding Priority follows boarding by groups, including members of the military, families with children under two years old, and those with elite status in the airline’s frequent flyer program.

Purchases made in-flight are eligible for a 25% discount.

When you pay with your UnitedSM Business Card, you’ll get a 25% statement credit on United inflight items including food, drinks, and Wi-Fi.

Insurance for Trip Cancellation/Interruption

If your journey is canceled or cut short due to illness, extreme weather, or other specified circumstances, you may be refunded up to $1,500 per person and $6,000 per trip for your booked, nonrefundable passenger fees.

Reimbursement for Trip Delays

The Reimbursement for Trip Delays covers trips delayed for more than 12 hours or delays that require an overnight stay due to equipment failure, bad weather, labor strikes, or a hijacking. You, your spouse, and dependent children 22 years old and younger are eligible for reimbursement of expenses up to $500 per ticket. Covered expenses include meals, lodging, toiletries, and medication.

Protection Against Baggage Delay

You and your immediate family members are entitled for a $100 per day reward for up to three days if your checked luggage is delayed or misdirected by a carrier for more than six hours. The coverage is restricted to necessary goods such as clothes, toiletries, and mobile charging cords. The insurance does not cover jewelry, prostheses, tickets, money, or technological equipment.

Reimbursement for Lost Luggage

You and your immediate family members are entitled for up to $3,000 in compensation if your checked or carry-on baggage is lost or damaged while on a flight or while traveling on another covered carrier, such as a passenger train. Jewelry, watches, cameras, video recorders, and other electronic devices have a $500 maximum benefit under this policy. It is not covered if you lose your paperwork, money, or tickets.

Collision Damage Waiver for Car Rentals

You are insured in the event of an accident or theft when you hire a vehicle. If the car is being rented for business reasons, coverage is primary, which means you won’t need to utilize your own auto insurance or accept the rental agency’s insurance. Rentals of 31 days or less are eligible for reimbursement, and you may be paid up to the monetary value of the car. Expensive automobiles, trucks, motorbikes, vans meant to transport more than eight persons, and recreational vehicles are not insured.

Purchase Insurance

Purchases damaged or stolen within 120 days of purchase are covered with Purchase Insurance. Chase may repair, replace, or reimburse you for these items up to $10,000 per item and $50,000 per year. Antique items, animals, living plants, motorized vehicles, computer software, consumables, jewelry, medical equipment, and preowned items are excluded from this coverage.

Protection under the Extended Warranty

On warranties of three years or less, Chase will extend the original manufacturer’s guarantee for an extra year, up to a limit of $10,000 per claim and $50,000 per account. You must have charged a part of the transaction to your UnitedSM Business Card or made the purchase using reward points to be eligible. Motorized vehicles, real estate, medical equipment, computer software, used things, and leased items are not covered by this guarantee.

Pros & Cons of the UnitedSM Business Card

Alternatives to the UnitedSM Business Card

Business Preferred® by Chase Ink

The Business Preferred® by Chase Ink is an excellent option if you have significant travel expenses but don’t need travel perks like airport lounge access or free expedited airport security screening. This is also a great alternative if you have expenses on social media advertising as it offers generous rewards for online ad purchases.

Credit Card Ink Business Preferred®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting the most out of your travel rewards while paying a smaller annual charge

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Chase’s Protected Website

Compare with

APR on a regular basis

Variable between 15.99 and 20.99 percent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

APR on a regular basis

Variable between 15.99 and 20.99 percent

Credit is required.

Good, Excellent

• Spend $15,000 on purchases in the first three months after creating your account to get 100k bonus points. When redeemed via Chase Ultimate Rewards®, that’s $1,000 in cash or $1,250 in travel.
• Each account anniversary year, get 3 points for every $1 spend on travel and certain business categories. On all other purchases, you’ll get 1 point for every $1 spent.
• Your card transactions will be monitored for probable signals of fraudulent activity utilizing real-time fraud monitoring with Fraud Protection.
• You won’t be held liable for fraudulent charges made using your card or account information if you have Zero Liability.
• Points may be redeemed for cash, gift cards, vacation, and more, and they don’t expire as long as your account is active.
• When you redeem points for travel with Chase Ultimate Rewards®, your points are worth 25% more.
• Purchase Insurance covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

• Possibility of increasing the value of award points
• Provides mobile phone insurance as well as trip cancellation insurance.

Cons

• Doesn’t provide a term of interest-free credit.
• An yearly fee is charged.

• Collision Damage Waiver for Car Rentals: Coverage is primary—meaning it replaces any coverage your personal insurance might offer—when renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
• You and the workers whose names appear on the phone bill you pay with your card are insured for up to $600 in theft or damage per claim. You may only make three claims in a 12-month period, and each claim has a $100 deductible.
• If your vacation is canceled, you may be reimbursed up to $15,000 for planned expenditures like airline or lodging. If your flight is delayed for more than 12 hours, you may be eligible for a $500 hotel, food, and transportation reimbursement.

The American Express Business Platinum Card® is a credit card offered by American Express.

The The American Express Business Platinum Card® is a credit card offered by American Express. is an excellent alternative if you travel frequently and want to enjoy perks like access to more than 1,300 airport lounges worldwide. Consider this business credit card if you plan to make a large purchase, as it offers a 0% intro APR on eligible purchases for 12 months after opening an account.

American Express’s Business Platinum Card®

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Obtaining unparalleled travel rewards and luxury travel benefits such as access to airport lounges

Apply Now

on American Express’s Business Platinum Card®’s secure website.

Compare with

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Intro APR

See the APR (Annual Percentage Rate) for Pay Over Time.

APR on a regular basis

Variable 14.49 percent – 22.49 percent

Credit is required.

Good, Excellent

• Spend $15,000 on qualifying purchases with your Card during the first three months of Card membership to earn 120,000 Membership Rewards® points.
• Plus, for purchases qualifying for Pay Over Time, there’s a 0% Intro APR for the first 12 months from the day the account is opened. Then, depending on your creditworthiness and other characteristics established at the time of account establishment, your APR will range from 14.49 percent to 22.49 percent.
• On amextravel.com, earn 5X Membership Rewards® points on flights and prepaid hotels, and 1X points for every dollar spent on qualifying products.
• Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Get up to $1,000 in statement credits each year with your Card on certain purchases, including up to $400 with Dell Technologies, $360 with Indeed, $150 with Adobe, and $120 on cellular phone purchases. It is necessary to enroll.
• $200 Airline Fee Credit: Earn up to $200 in statement credits each calendar year at one qualified airline for baggage fees and other expenses.
• $179 CLEAR® Credit: Use your Card to earn up to $179 off your CLEAR® membership each year.
• At the airport, the American Express Global Lounge Collection® may offer a welcome respite. As of 9/2021, you have more lounge location possibilities than any other credit card on the market, with over 1,400 airport lounges in 140 countries and counting.
• The annual fee is $695.
• Terms and Conditions apply.

Pros

• Travel rewards of the highest quality
• Free access to over 1,300 airport lounges across the globe
• There are no costs for international transactions.

Cons

• The balance is required in full every month.
• The yearly price is rather high.

• American Express lounges: Free admission to American Express’ Centurion lounges, which are available in little over a dozen US airports.
• Other airport lounges: Priority Pass Select membership, which grants you and two guests free access to over 1,300 lounges worldwide.
• A $100 statement credit for Global Entry every four years or a $85 statement credit for TSA Pre® every four and a half years for airport screening.
• Up to $200 in yearly statement credit on air travel expenditures like as baggage fees and in-flight food and beverage.
• Rental status: At a number of automobile rental businesses, you have elite status.
• Free Wi-Fi: ten free Gogo in-flight Wi-Fi passes each year.
• Rebate for redeemed points: If you book a business or first-class flight, you’ll get a 35 percent points rebate, up to 500,000 extra points every calendar year.
• Dell statement credit: For Dell purchases, you may get up to $400 in statement credits each year.

Credit Card for Southwest Rapid Rewards® Premier Business

The Credit Card for Southwest Rapid Rewards® Premier Business from Chase is a good option if you travel primarily with Southwest Airlines. You can earn rewards for purchases made directly with Southwest Airlines that can be redeemed for free flights as well as enjoy travel perks such as free checked bags.

Credit Card for Southwest® Rapid Rewards® Premier Business

Our editorial team uses industry specialists to generate the scores for Fit Small Business. The kind of credit card (cash back or travel) as well as the card’s rates, fees, rewards, and other benefits like insurance are all taken into account in our grading methodology.

Getting points for your Southwest purchases

Apply Now

Chase’s Protected Website

Compare with

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• Spend $3,000 on purchases in the first three months of your account to get 60,000 points.
• After your Cardmember anniversary, you’ll get 6,000 extra points.
• Purchases made on Southwest Airlines® will earn you 3X points.
• Rapid Rewards® hotel and vehicle partners provide 2X points.
• Rideshare earns you 2X points.
• All other purchases get 1 point each $1 spent.
• Each year, there are two EarlyBird Check-In® opportunities.
• To qualify for A-List rank, you may earn an infinite number of tier qualifying points.

Pros

• There are no ban dates, and you may book as many reward tickets as you like.
• The yearly charge is low.
• There are no costs for international transactions.

Cons

• There is no preamble. APR is zero percent.
• Southwest Airlines’ premium privileges aren’t available.
• Reward opportunities are limited.

• Reimbursement for Lost Luggage: Receive coverage up to $3,000 if you or your immediate family members’ checked or carry-on bags are damaged or lost.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.
• Purchase Insurance: Covers purchases for 120 days against damage or theft. Coverage is capped at $10,000 per claim and $50,000 per account.

APR on a regular basis

Variable (15.99 percent – 22.99 percent)

• Spend $3,000 on purchases in the first three months of your account to get 60,000 points.
• After your Cardmember anniversary, you’ll get 6,000 extra points.
• Purchases made on Southwest Airlines® will earn you 3X points.
• Rapid Rewards® hotel and vehicle partners provide 2X points.
• Rideshare earns you 2X points.
• All other purchases get 1 point each $1 spent.
• Each year, there are two EarlyBird Check-In® opportunities.
• To qualify for A-List rank, you may earn an infinite number of tier qualifying points.

Pros

• There are no ban dates, and you may book as many reward tickets as you like.
• The yearly charge is low.
• There are no costs for international transactions.

Cons

• There is no preamble. APR is zero percent.
• Southwest Airlines’ premium privileges aren’t available.
• Reward opportunities are limited.

• Reimbursement for Lost Luggage: Receive coverage up to $3,000 if you or your immediate family members’ checked or carry-on bags are damaged or lost.
• Baggage delay insurance reimburses you up to $100 per day for three days for necessary items such as toiletries and clothes if your luggage is delayed for more than six hours.
• Purchase Insurance: Covers purchases for 120 days against damage or theft. Coverage is capped at $10,000 per claim and $50,000 per account.

Conclusion

The UnitedSM Business Card is ideal for business owners who frequently fly with United Airlines and want to earn free flights through rewards. This card is also a good choice for passengers who check a bag and travel with another person. If this card isn’t appropriate for you, check out our Credit Card Marketplace or our guide to the top small business credit cards to discover a better fit.

The “chase united business card” is a credit card that is issued by Chase. The card has a low interest rate, and also offers 0% APR on your balance transfer for the first 12 months.

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