Chase United Business Card [Details and Review]

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  • Post last modified:September 12, 2021

If you have a business that often uses United Airlines for business trips, you have to check out this credit card. In this Chase United Business Card review, I’ll list all of its features, rewards, and requirements so you can decide if it is the right credit card for you.

The Chase United Business Card offers card members 2 miles for every $1 spent on United Airlines purchases. These include airline tickets, inflight food and beverages, seat upgrades, and more. You also get a chance to enjoy a maximum bonus of 150,000 miles, a yearly 5,000-mile bonus, and other benefits.

Read on to learn more about the Chase United Business Card, its features, rewards, and pros and cons.

About the Chase United Business Card

chase united business card

The Chase United Business Card offers 2 miles for every dollar spent on United Airlines purchases. These include inflight food and beverages, seat upgrades, airline tickets, and more. You also have a chance to earn a maximum bonus of 150,000 miles, a yearly 5,000-mile bonus, and many other benefits.

You have to pay an annual fee worth $99. However, you are entitled to a $0 introductory fee for the first year. In terms of its regular annual percentage rate (APR), it ranges between 16.49% and 23.49%. There is a 5% fee or $5 per transaction for balance transfers, whichever is higher.

The Chase United Business Card has a cash advance feature too. There is, however, a cash advance fee of 5% or $15 per transaction, whichever is higher. When it comes to APR, it is 24.99%.

To have higher chances of getting your credit card application approved, your credit score must range between 670 and 850.

Chase United Business Card Target Market

The Chase United Business Card specifically targets businesses with frequent United Airlines flyers. Compared to its competitors, this is an inexpensive credit card that allows employees to earn rewards and enjoy its exciting benefits as United Airlines travelers.

Cardmembers can receive a bonus of 75,000 miles after spending $5,000 using their Chase United Business Cards. But it doesn’t stop you from being a business owner and a frequent United Airlines flyer. This card is for you if you are also an international traveler and a loyalty status seeker.

At the same time, if you have a business that often rents cars, you might want to consider getting this credit card too. Every time you use the Chase United Business Card to rent a car, you are entitled to primary insurance coverage. This is not a common benefit offered by credit card issuers.

Chase United Business Card Bonus

If you spend $5,000 using your Chase United Business Card within the first 3 months from the date of card activation, you get to receive 75,000 miles. This is equivalent to roughly $1,642.

Aside from that, you get to earn more miles if you spend $20,000 within the first 6 months from the date of card activation. To be exact, you are actually eligible to receive another 75,000 miles.

Make sure that your Chase United Business Card stays active. Once you qualify for the bonus, the miles will only reflect in your credit card account after 6 to 8 weeks. You’ll only receive the bonus points if your card stays active at the time of posting.

How to Earn Chase United Business Card Rewards

For all your United purchases, you get to earn 2 miles for every $1 spent. These purchases may include the following:

  • Seat upgrades
  • Airline tickets
  • Economy Plus upgrades
  • Wi-Fi service
  • In-flight food and beverages
  • Baggage service

When it comes to in-flight food and beverages, you even get to receive 25% cashback if you buy using your Chase United Business Card.

There are, however, United purchases that are not eligible for rewards, such as those on United Cruises.

Transit and commuting expenses are eligible for rewards, wherein you also earn 2 miles for every $1 spent. These include the following:

  • Ride-share services,
  • Tolls,
  • Mass transit, and
  • Taxicabs.

If that’s not enough, even purchases at gas stations, restaurants, and office supply stores using your Chase United Business Card allow you to earn miles. On all other items bought and services paid, you earn a mile for every dollar spent, which is not a bad offer at all.

Chase United Business cardmembers are eligible to earn two annual rewards too, but certain conditions apply. For instance, you can earn 5,000 bonus miles every year with a Chase United Business Card and a United personal credit card. Also, you may receive a statement credit worth $100 every year if you book seven United flights amounting to more than $100.

Lastly, but definitely not least, Chase United Business Card miles do not expire.

How to Redeem Chase United Business Card Rewards

united business card review

There are different ways of redeeming your Chase United Business Card rewards. However, the best option is to redeem miles intended for premium air travel. The airline may, however, implement blackout dates and limitations in terms of seat availability.

In case you don’t want to use your miles for airfare, you may instead redeem them to do the following:

  • Rent cars,
  • Book hotels, or cruises.
  • You can also redeem miles to buy Apple products or items from other retailers.
  • Miles may also be redeemed to buy gift cards or donate to a charity.

Are Chase United Business Card Rewards Transferable

You can transfer your Chase United Business Card rewards if you have a MileagePlus Premier Gold elite status or higher. That way, you are eligible to sign up for the RewardsPlus Program. Your United miles can then be transferred to Marriott Bonvoy points at a 1:1 ratio.

Again, what does the Chase United Business Card offer? The Chase United Business Card gives its members 2 miles for every $1 spent on United Airlines purchases. Aside from this, you can also get airline tickets, inflight food and beverages, seat upgrades, and a chance to enjoy a maximum bonus of 150,000 miles, a yearly 5,000-mile bonus, among other exciting benefits.

How Do I Maximize My Chase United Business Card Rewards

Once you get your Chase United Business Card, make it your goal to use it often so you can reach at least $5,000 within the first three months from the date of card activation. If you use your credit card for daily business purchases, reaching $5,000 isn’t impossible. This will allow you to earn 75,000 miles.

Continue using your credit card to earn more miles. Once you have enough, the best way to use them is for premium award flights.

Chase United Business Card Outstanding Benefits

Here are the outstanding benefits for Chase United Business cardmembers:

  1. Reimbursement for Baggage Delay and Lost Luggage
  2. Primary Auto Rental Coverage
  3. Trip Cancellation or Interruption Insurance and Trip Delay Reimbursement
  4. 25% Back on In-flight Food, Beverage, and Wi-fi Purchases
  5. Two One-time United Club Passes

Let’s briefly talk about these benefits:

1. Reimbursement for Baggage Delay and Lost Luggage

You can reimburse the cost of your essential expenses in case your baggage gets delayed for more than six hours. The reimbursable amount is $100 per day for 3 days.

In case of lost or damaged luggage, you can reimburse a maximum of $3,000 per passenger. This applies if the carrier causes damage or loss.

2. Primary Auto Rental Coverage

When you use your Chase United Business Card to rent a vehicle for business purposes, you are entitled to get primary auto-rental insurance. You don’t have to get the collision insurance offered by the rental company. In case of a road accident, your credit card will pay the cost of any liability you incur while using the rented car.

3. Trip Cancellation or Interruption Insurance and Trip Delay Reimbursement

The trip cancellation or interruption insurance coverage amounts to a maximum of $1,500 per person and $6,000 per trip. This applies to pre-paid and non-refundable travel expenses. Covered circumstances include severe weather conditions and sickness.

Reimbursement for delayed trips includes meals and lodging up to a maximum of $500 per ticket. This applies if a trip is delayed for more than 12 hours or requires an overnight stay.

4. 25% Back on In-flight Food, Beverage, and Wi-Fi Purchases

When you use your Chase United Business Card to buy in-flight food and beverages or get Wi-Fi services, it entitles you to a 25% back. This applies to flights operated by United and United Express.

5. Two One-time United Club Passes

If you have a Chase United Business Card, you get a chance to enjoy United Club access. United Airlines has over 45 airport lounges worldwide.

Chase United Business Card Pros and Cons

united business card

Let’s take a look at the pros and cons of having a Chase United Business Card.

Its advantages include the following:

  1. Offers huge bonus
  2. Provides a yearly miles bonus
  3. Offers a chance to get annual statement credit and United Club passes

The disadvantage, however, includes having fewer free checked bags compared to other airlines.

Chase United Business Card – Pros

1. Offers Huge Bonus

You’ll definitely earn a huge bonus if you use your Chase United Business Card and spend over $1,667 monthly. If you reach $5,000 worth of credit card expenses within the first 3 months, you’ll earn 75,000 miles. Aside from that, if you spend $20,000 within the first 6 months, you will earn another 75,000 miles.

2. Provides a Yearly Miles Bonus

You will enjoy a yearly miles bonus if you pair your Chase United Business Card with your own United personal credit card. This gives you a chance to earn 5,000 bonus miles on your anniversary.

This offer is advantageous for employees who prefer to keep their business and personal expenses separate. Yet, they can combine the miles using one MileagePlus account.

3. Offers a Chance to Get Annual Statement Credit and United Club Passes

You are entitled to two one-time United Club access after opening your credit card account and on each of your card anniversaries. These passes are worth $50 each.

Having a Chase United Business Card also entitles you to earn a statement credit worth $100 by the end of the year. This applies after seven flight-related expenses like baggage fees, in-flight food, beverages, or seat upgrades.

Chase United Business Card – Cons

Unfortunately, with your Chase United Business Card, you are entitled to fewer free checked bags than other airlines.

You are entitled to have one free checked bag if you have a United Explorer card. Your eligible companion is also entitled to have the same. However, if there are four of you on a flight, you may still end up spending $60 for a one-way trip if all of you will check a bag. Unfortunately, other airline credit cards offer better deals.

Conclusion – Chase United Business Card

The Chase United Business Card offers 2 miles for every dollar spent on United Airlines purchases. These include inflight food and beverages, seat upgrades, airline tickets, and more. You also have a chance to earn a maximum bonus of 150,000 miles, a yearly 5,000-mile bonus, and many other benefits.

This credit card is undeniably advantageous if you’re a frequent United Airlines traveler.