For a small business that flies United regularly, the Business card's $150 annual fee is easy to justify before you earn a single mile: a free first checked bag for you and a companion, priority boarding, two United Club passes each anniversary year, and a $125 United credit after five United flight purchases of $100 or more. The current offer is unusually large at 100,000 miles after $5,000 in three months, plus 2,000 Premier qualifying points and another 10,000 miles for adding an employee card in that window. Earning is broad for an airline card, with 2 miles per dollar on United purchases, gas, dining, office supplies, and transit, and 1 mile on everything else. The long list of smaller credits is where honesty is needed: the rideshare, Instacart, Avis and Budget, JSX, and FareLock credits arrive in monthly or per-booking slices, several require enrollment, and the Instacart benefit is scheduled to end after December 31, 2027. Count only the ones that match how your business actually spends, and the card still pays for itself on the bag waiver and flight credit alone.
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 |