The United Business Card is a practical United MileagePlus business credit card for business owners who want a free first checked bag, two United Club One-Time Passes each year, Priority Boarding, and the ability to earn PQP through card spending.
One of its most distinctive features is the Better-Together Anniversary Bonus. Cardmembers who also hold an eligible Chase United personal credit card can earn an additional 5,000 MileagePlus miles each year.
👉 Apply for the United Business Card
Benefits Overview
| Benefit | United Business Card |
|---|---|
| Annual Fee | US$150 |
| United Purchases | 2X MileagePlus Miles |
| Dining | 2X |
| Gas Stations | 2X |
| Local Transit & Commuting | 2X |
| Office Supply Stores | 2X |
| Other Purchases | 1X |
| Free Checked Bag | First standard checked bag free for the primary cardmember + 1 companion on the same reservation |
| United Club | 2 United Club One-Time Passes each year |
| Priority Boarding | Priority Boarding for the primary cardmember and eligible companions on the same reservation |
| Better-Together Anniversary Bonus | 5,000 Bonus Miles each year when also holding an eligible Chase United personal card |
| PQP | US$20 = 1 PQP, up to 4,000 PQP per calendar year |
| United TravelBank | US$125 TravelBank Cash after making 5 United flight purchases of US$100+ each calendar year |
| Economy Plus Upgrades | 2 Economy Plus seat upgrades within the continental U.S. after US$25,000 in calendar-year spending |
| Cardmember Award Pricing | Access to eligible Cardmember Pricing on United award flights |
| United Hotels Credit | Up to US$100 each anniversary year |
| Rideshare Credit | Up to US$100 per calendar year |
| Avis / Budget United Travel Credit | Up to US$50 each anniversary year |
| JSX Credit | Up to US$100 each anniversary year |
| Instacart Credit | Up to US$120 per calendar year, currently through Dec 31, 2027 |
| FareLock Credit | Up to US$25 each anniversary year |
| United Inflight Purchases / United Club Premium Drinks | 25% back on eligible purchases |
| Foreign Transaction Fee | 0% |
5,000-Mile Better-Together Bonus
One of the most useful features of the United Business Card is the Better-Together Anniversary Bonus.
If you hold the United Business Card together with an eligible Chase United personal credit card, you can receive:
5,000 Bonus MileagePlus Miles each year
This makes the card particularly useful for travelers who already hold a United Explorer Card, United Quest Card, or United Club Card and want to combine personal and business United cards.
US$20 = 1 PQP
The United Business Card can also turn business spending into Premier Qualifying Points (PQP) toward United Premier Status.
Eligible spending earns:
US$20 = 1 PQP
Cardmembers can earn up to 4,000 PQP per calendar year through card spending.
For travelers primarily interested in generating large amounts of PQP from credit card spending, the United Club Business Card offers a stronger earning structure. The United Business Card is better suited to business owners looking for a balance of United travel benefits, business spending rewards, and some PQP earning potential.
Conclusion
The United Business Card combines a free checked bag + two United Club One-Time Passes + Priority Boarding + PQP earning in a straightforward business card.
It becomes especially useful for travelers who already hold a Chase United personal card because the Better-Together Anniversary Bonus adds another 5,000 MileagePlus miles each year.
Historical Welcome Offers
| Date | Welcome Offer | Spending Requirement |
|---|---|---|
| May 2026 | 100,000 Miles + 2,000 PQP, plus 10,000 Miles for adding an Authorized User | US$5,000 / 3 months |
| Jan–May 2026 | 100,000 Miles | US$5,000 / 3 months |
| Jan–Apr 2025 | 100,000 Miles | US$5,000 / 3 months |
| Mar–Apr 2024 | 100,000 Miles | US$5,000 / 3 months |
👉 Apply for the United Business Card
United MileagePlus Personal Cards
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| United Gateway Card | US$0 | 2X United, 2X Gas / Transit, Cardmember Award Pricing | 0% |
| United Explorer Card | US$0 first year, then US$150 | First Checked Bag Free, 2 United Club One-Time Passes, Priority Boarding | 0% |
| United Quest Card | US$350 | US$200 United Travel Credit, 2 Free Checked Bags, Award Discount | 0% |
| United Club Card | US$695 | United Club Membership, 2 Free Checked Bags, Premier Access | 0% |
United MileagePlus Business Cards
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| United Business Card | US$150 | First Checked Bag Free, 2 United Club One-Time Passes, 5K Better-Together Bonus | 0% |
| United Club Business Card | US$695 | United Club Membership, 2 Free Checked Bags, Premier Access | 0% |
Application Rules & Restrictions
When applying for Chase credit cards, keep these key rules in mind:
– 5/24 Rule: If you have opened 5 or more credit card accounts that appear on your personal credit report within the past 24 months, it will generally affect your ability to get approved for a new Chase Card. Most Business Cards that do not report to personal credit reports generally do not add to your 5/24 count.
– Welcome Offer Eligibility: Different Chase Cards have their own Welcome Offer restrictions, and some products also have Card Family Restrictions. Being under 5/24 does not necessarily mean you are eligible for a Welcome Offer.
– Application Timing: Chase does not publish a simple fixed application interval, but submitting multiple Chase applications within a short period may affect approval.
A simple Chase application strategy is:
Check 5/24 → Check Welcome Offer / Family Eligibility → Submit Application
Actual application and Welcome Offer Eligibility requirements are subject to the current terms of each Chase Card.
How Can Foreigners Apply for Chase Credit Cards?
Foreign applicants generally need to establish some U.S. Credit History before applying for Chase credit cards.
If you are new to the U.S. credit card market, one strategy is to first obtain a U.S. Amex through Amex Global Transfer, build your U.S. credit history, and then consider applying for Chase.
Amex Global Transfer → U.S. Amex → Build U.S. Credit History → Chase
Applicants must still meet Chase’s current requirements regarding identification, address, credit history, and other application criteria.
