United℠ Business Card Review
Overview
The United℠ Business Card is a category rewards card from Chase, running on the Visa network. The United℠ Business Card earns up to 2x on office supplies, dining, and gas, so it pays you the most exactly where you already spend. It carries a $150 annual fee, so the real question is whether its rewards, credits, and perks clear that bar for the way you spend. New cardholders can earn 100,000 miles after $5,000 in 3 months.
It lands in the mid tier: a modest annual fee in exchange for stronger earn rates and a meaningful welcome offer. The right call depends on whether your spending and the perks clear that fee each year.
Think twice if: you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.
Our 4.0 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
Where the United℠ Business Card earns its rewards is its bonus categories: 2% back on office supplies (about $60 a year on the $3,000 a business typically spends there), 2% back on dining (about $48 a year on the $2,400 a business typically spends there), and 2% back on gas (about $36 a year on the $1,800 a business typically spends there). Across a full year of business spending, the card returns roughly $570 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 2% back | Bonus category |
| Gas | 2% back | Bonus category |
| Travel | 2% back | Bonus category |
| Office supplies | 2% back | Bonus category |
| Transit and rideshare | 2% back | Bonus category |
| Everything else | 1% back | Everything else |
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- 2x on office supplies
- 2x on dining
- 2x on gas
- 2x on travel
- Welcome offer worth about $1,000
- No foreign transaction fees
- $150 annual fee to earn back every year
- Rewards stay locked to this card and cannot be moved to travel partners
- Rewards are tied to one brand, so value drops if your plans change
The welcome bonus
The current welcome offer is 100,000 miles, earned after you spend $5,000 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $1,000. The spending requirement works out to roughly $1,666 per month, so make sure it fits your normal budget rather than pushing you to overspend. Stacking the welcome offer on top of a typical year of rewards and accounting for the $150 annual fee, the first year is worth roughly $1,420.
Is the annual fee worth it?
To come out ahead on the United℠ Business Card you need to clear its $150 annual fee, and it leans on rewards rather than credits to get there. On typical spending it earns about $570 a year. For anyone who spends in its categories, the fee is easy to justify.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Free first checked bag for you and a companion on the same reservation
- Over $600 in annual partner credits (United Hotels, Instacart and more)
- No foreign transaction fees
Lounge access
This card includes airport lounge access. Here is exactly what you get, including the Priority Pass distinctions that vary by card:
- 2 United Club one-time passes each year
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
It is best for frequent flyers loyal to this airline who will use perks like free checked bags and priority boarding and want miles toward award flights.
Skip it if you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of June 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
