Clever New United Business Card Has 100,000 Mile Bonus Offer

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.


UnitedSM Business Card

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 benefits flying united

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.

united polaris

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 livery

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.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

More articles by Gary Leff »

Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. The 5,000 mile anniversary bonus is even more interesting since their no-fee personal card appears to also trigger it.

  2. How do the travel protection (flight delay, trip interruption, etc.) benefits on this card compare to other cards you’d typically book airfare on? For me, that would be Amex Platinum or Chase Sapphire.

  3. Thanks for this notice. But I’m afraid I don’t get the logic of cards such as this that require high spending to trigger high bonuses, at least for folks who don’t mind applying for multiple cards and want to maximize bonus miles/points. For $10,000 in initial spending, you can get about three cards that will get you a total of about 200,000 in miles/points.

  4. @Steve – you’re right, but many of us have already had those cards (Amex) or don’t want to burn 5/24 slots.

    @Gary – “7 times per year” suggests that if I am going to fly with my family of 4, I should buy 4 individual tickets rather than one PNR with all 4 passengers on it, right?

  5. Hi Gary,
    Looking at the terms of the $100 travel credit, it seems the 7 transactions of $100 each excludes actual air-fare. Here’s the wording

    “Each anniversary year that you make seven (7) United flight travel-related purchases, each totaling $100 or more, with your UnitedSM Business Card, you will receive a $100 statement credit. United flight travel-related purchases include seat upgrades; Economy Plus®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees. Anniversary year means the year beginning with your card account open date through the anniversary of the account open date, and each 12 months after that. The statement credit will post to your account within 24 hours of your 7th United $100 or more purchase posting to your account. To qualify, account must be open and not in default at the time of fulfillment.”

    It is uncertain if “flight travel-related purchases” includes actual airfare or not.
    Can you actually research this and get some reliable info ?

  6. @arshi007 I had the same question when this first launched a couple weeks ago and decided not to pull the trigger.

    You’d think they HAVE to include airfare right? If not, how exactly are you supposed to have 7 individual transactions of $100 or more?

  7. the 7 transactions of $100 or more are economy plus, bag charges (but it’s hard to get a single charge of $100 for bags). It is hard to trigger this credit. Buying 7 tickets definitely will not count, per the terms and conditions. I looked at this very closely a few days ago.

  8. I mean, otherwise almost every user of this card would get this credit! Assuming that most people who apply buy at least some United tickets.

  9. @kimofelix since you have the card, would you be able to contact the customer service and get clarification on what exact chargers are eligible for the 7x$100 transactions to trigger the $100 credit ?

  10. @ARSHI007…I was more interested in the 100k bonus miles. I don’t really care about the $100 credit. I fly AA more than UAL.

  11. Huh, as someone who travels for business with a bunch of equipment (6 cases per trip), I wondered why UA started charging me individual $50 charges for each bag, instead of a single $200 charge per trip.

    Seems like that way they avoid the 7 >$100 purchases to trigger the rebate.

Leave a Reply

Your email address will not be published. Required fields are marked *