I receive compensation for content and many links on this blog. Citibank is an advertising partner of this site, as is American Express, Chase, Barclays and Capital One. Any opinions expressed in this post are my own, and have not been reviewed, approved, or endorsed by my advertising partners. I do not write about all credit cards that are available -- instead focusing on miles, points, and cash back (and currencies that can be converted into the same). Terms apply to the offers and benefits listed on this page.
Last month Chase launched a new United Business Card with some pretty clever features that engage well with the United Airlines ecosystem – and with other Chase United cards. To get big attention for the product they’re doing this with a limited time 100,000 mile offer. I do not know how long this offer will last.
United Business Card Initial Bonus Offer
There’s a limited-time offer of 100,000 bonus miles after $10,000 in purchases in the first three months from account opening.
Aside from United business cards we haven’t seen a U.S. airline 100,000 mile offer in about six years.
Annual Fee – And Annual Credits and Bonuses
The card has a $99 annual fee. However if you regularly buy United Airlines tickets with the card (for yourself or others) you more than earn that back. That’s because the card has a $100 annual United travel credit after seven United flight purchases of $100 or more.
In addition each year at your cardmember anniversary you earn 5,000 bonus miles when you have this card and a personal United card (e.g. UnitedSM Explorer Card). The annual bonus miles come close to covering the fee on one card.
Put another way, get the UnitedSM Business Card and a UnitedSM Explorer Card, use the new business card 7 times a year for United flight purchases of $100 or more, and you’ve just about covered both fees with value and that’s before getting to any of the actual benefits of either card.
You also get 25% back on United inflight purchases (includes Wi-Fi, food and beverages) with the new business card.
Earning For Spend
The UnitedSM Business Card earns 2 miles per $1 spent on local transit and commuting – including taxis, mass transit, tolls, and ride share services.
You also earn 2 miles per $1 spent on United purchases as well as at gas stations, office supply stores and restaurants, and 1 mile per $1 spent on all other purchases.
United Travel Benefits
Cardmembers receive free first checked bag, priority boarding, and 2 United Club one-time passes at account opening and on each Cardmember anniversary.
Checked bag fees are an annoyance – and a primary motivator in acquiring airline credit cards. Priority boarding means not having to gate check carry on bags. That makes travel easier.
The annual club passes are interesting. First, United cards have generally offered these only after the first year. This card gives you two right away as well. That’s even more value on top of the initial bonus offer. And the two annual passes help make the card worth keeping as well, so you have a place of refuge and more personalized help if travel goes wrong during the year.
United Business Card Overall
The card’s initial bonus offer is huge. The travel benefits are useful if you fly United. And if you use the card to buy United tickets 7 times a year, the cost of the card ‘covers itself’. Then you don’t even have to decide if the travel benefits are worth it.
Rebating back $100 in United travel, which is just over the card’s annual fee, is an interesting way to encourage using the card for United purchases and putting it towards the top of your wallet for travel spend. And rather than saying you should only have one card, or one United card, they’re actually encouraging you to get a personal and business card with United by giving you more miles each year if you do.