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If you missed the record-high offer to earn up to 150,000 miles on the United Business card earlier this year, you’ve got another chance to get in on the deal.
United Airlines
The United℠ Business Card is offering an elevated welcome bonus worth up to 150,000 miles, but only until the end of the day on November 9, 2022.
You can earn United℠ Business Card.
The card offers excellent benefits including a free first checked bag and priority boarding.
Read Insider’s guide to the best airline credit cards.
United Airlines flyers have plenty of choices if they’re looking for a co-branded credit card. Chase issues a total of six United credit cards, ranging from a no-annual-fee version to premium cards with United Club airport lounge access.
For small-business owners, the United℠ Business Card is an excellent pick. With a reasonable United℠ Business Card annual fee, it’s great for frequent and even occasional flyers.
And it’s now brought back the record-high bonus we first saw earlier this year: United℠ Business Card. However, this bonus will end by the end of the day on November 9, 2022, so you have very little time left to apply.
The spending requirement to unlock the full bonus is pretty hefty, but if you can manage it, the 150,000 miles you’ll earn are worth around United℠ Business Card in flights, based on Insider’s valuation of 1.3 cents per United mile.
United miles are useful even if you don’t fly the airline often, because you don’t have to redeem them for United flights. You can also use United miles for award flights on Star Alliance and non-alliance partners, including Air Canada, Lufthansa, and Aer Lingus.
We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
United Business Card: Earn up to 150,000 miles
To qualify for the United℠ Business Card, you’ll need to have a small business — but it doesn’t need to be a huge corporation or LLC. If you have a side gig like freelancing, driving for Uber, or Airbnb hosting, you could be eligible for a small-business card.
United Business Card benefits
Along with a sky-high welcome bonus offer, the United℠ Business Card comes with perks that can save you money when you fly United, including:
A free first checked bag (worth $35 each way) for the cardholder and one companion on the same reservation (you must use the card to pay for your ticket, or the taxes and fees on an award ticket)Two United Club one-time passes each card anniversaryPriority boarding25% back as a statement credit on United inflight purchases$100 United credit after making seven or more United flight purchases of $100 or more each card anniversary year
In addition, cardholders receive a “better together” bonus of 5,000 bonus miles each card anniversary when they have the United℠ Business Card and a personal United credit card like the United℠ Explorer Card, United Gateway℠ Card, United Club℠ Infinite Card, or United Quest℠ Card.
The United℠ Business Card also earns bonus miles in a wide variety of categories that can be helpful for small businesses, including 2x miles on United purchases, dining, gas stations, office supply stores, and local transit and commuting. All other eligible purchases earn 1 mile per dollar.
If you’re working toward elite status with United, the United℠ Business Card can give you a boost toward your goal. Cardholders receive 500 Premier Qualifying Points (PQP) for every $12,000 spent on purchases with the card, up to 1,000 PQP per calendar year.
On top of United-specific perks, the United℠ Business Card comes with a broad array of purchase and travel protections, including primary car rental insurance (when renting for business purposes), baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance, trip delay reimbursement, purchase protection, and extended warranty.
You can read about the full range of benefits in our United Business Card review.
How to use United miles
If you meet the full spending requirement to earn the welcome bonus, you’ll have 150,000 United miles (plus at least another 20,000 miles from meeting the card’s minimum spending requirement).
Although United no longer has an official award chart and has moved to dynamic pricing, you can expect to pay anywhere from 5,000 to 30,000 miles for a domestic award flight in economy class, and more for flights to other regions. Exact pricing depends on the route, award availability, and time of year.
Read Insider’s guide to earning and redeeming United miles for a closer look at how to maximize your miles.
However, one little-known perk on all United credit cards is expanded award availability. If you have a United card, you’ll see more available saver award seats than the general public. This is handy if you’re looking for multiple award flights, and can save you a ton of miles.
At the saver level, 150,000 United miles should be enough for at least two round-trip economy award flights to Europe or Asia, or multiple round-trip flights within North America.
Which United credit card is right for you?
The United℠ Business Card has the highest welcome bonus of any United card right now, but that doesn’t mean it’s the best deal for everyone — especially considering the minimum spending requirement is so high. Here’s a comparison between the United℠ Business Card and other United cards with strong welcome bonuses and perks:
United℠ Business Card
United Quest Credit Card
United℠ Explorer Card
Annual fee
United℠ Business Card
United Quest Credit Card
United℠ Explorer Card
Rewards rate
2x miles on United purchases
2x miles on dining, gas stations, office supply stores, and local transit and commuting
1 mile per dollar on all other purchases
3x miles on eligible United purchases (after earning the $125 United credit)
2x miles on travel
2x miles on dining
2x miles on streaming services
1 mile per dollar on everything else
2x miles on eligible United purchases
2x miles on dining/delivery service purchases, and hotel stays booked directly with the hotel
1 mile per dollar on everything else
Welcome bonus
United℠ Business Card
United Quest Credit Card
United℠ Explorer Card
United benefits
Two United Club one-time passes per anniversary year
Free first checked bag on United flights*
Priority boarding on United flights
25% back on United inflight purchases
$100 United credit***
5,000 bonus miles each card anniversary when you have the United Business Card and a personal United credit card
500 Premier Qualifying Points (PQP) for every $12,000 you spend on purchases****
Expanded access to United award flights
Up to $125 in annual statement credits toward United purchases
Free first and second checked bags on United flights*
Priority boarding on United flights
25% back on United inflight purchases
5,000-mile award flight rebate twice a year starting on your first anniversary
Global Entry, TSA PreCheck®, NEXUS application fee credit
Complimentary Premier upgrades
500 Premier Qualifying Points (PQP) for every $12,000 you spend on purchases****
Expanded access to United award flights
Two United Club one-time passes per anniversary year
Free first checked bag on United flights*
Priority boarding on United flights
25% back on United inflight purchases
Global Entry, TSA PreCheck® or NEXUS application fee credit
Complimentary Premier upgrades
500 Premier Qualifying Points (PQP) for every $12,000 you spend on purchases****
Expanded access to United award flights
Other card benefits
Primary car rental insurance (when renting for business purposes)
Baggage delay insurance
Lost luggage reimbursement
Trip cancellation/interruption insurance
Trip delay reimbursement
Purchase protection
Extended warranty
Visa Signature concierge
Chase Luxury Hotel and Resort collection
One year complimentary DoorDash DashPass membership (activate by December 31, 2024)
No foreign transaction fees
Primary car rental insurance
Baggage delay insurance
Lost luggage reimbursement
Trip cancellation/interruption insurance
Trip delay reimbursement
Travel accident insurance
Purchase protection
Extended warranty
Visa Signature Concierge
Chase Luxury Hotel and Resort collection
One year complimentary DoorDash DashPass membership (activate by December 31, 2024)
No foreign transaction fees
Primary car rental insurance
Baggage delay insurance
Lost luggage reimbursement
Trip cancellation/interruption insurance
Trip delay reimbursement
Purchase protection
Extended warranty
Visa Signature Concierge
Chase Luxury Hotel and Resort collection
One year complimentary DoorDash DashPass membership (activate by December 31, 2024)
No foreign transaction fees
Review
If you don’t fly United often enough to take advantage of these cards’ United-specific benefits, but still want to earn United miles, it’s also worth looking at cards that earn transferable Chase Ultimate Rewards® points. When you have the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card, you can transfer Ultimate Rewards points to United at a 1:1 ratio — as well as to over a dozen other Chase transfer partners.
Be sure to read Insider’s guide to earning, redeeming, and maximizing Chase Ultimate Rewards points to find out how to make the most of your rewards.