The Chase United℠ Business Card is one of the most valuable airline credit cards on the market. This card allows you to book a basic economy ticket and bring both a carry-on and checked bag for free.
The card also gets you two free United Club passes each year, expanded award avaliability to use your points, primary rental car insurance, and trip delay insurance.
- Earn 75,000 Miles after Spending $5,000 in the First 3 Months
- 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
- 2 United Club One-Time Passes Per Year
- $100 United Travel Credit
- Free First Checked Bags and Priority Boarding
- Primary Rental Car Insurance
- Trip Delay and Trip Cancellation/Interruption Insurance
- $0 Intro Annual Fee, $99 Annual Fee Thereafter
Welcome Bonus
The United Business Card offers a nice welcome bonus of 75,000 United miles when you spend $5,000 in the first three months.
Earning Points with the United Business Card
The United Business Card earns miles at the following rates:
- 2 miles per dollar on purchases from United®, including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi, and other United charges.
- 2 miles per dollar on dining, including eligible delivery services.
- 2 miles per dollar at gas stations, office supply stores, and on local transit and commuting.
- 1 mile per dollar on all other eligible purchases.
United Business Benefits on United Airlines
Free Checked Bag- You can enjoy a free checked bag for you and one travel companion on the same reservation when you use your United Business card to purchase the ticket.
Priority Boarding- You and your companions on the same reservation enjoy priority boarding. This also allows you to bypass the Basic Economy restriction on bringing a carry-on bag.
2 United Club Passes– Every year you get two United Club passes on your account anniversary.
Increased Award Space– Cardmembers have a better opportunity to book flights with their miles with increased award space (XN fare class).
25% In-Flight Purchases- You can receive a 25% statement credit on any in-flight purchase of food, beverages, and Wi-Fi when you pay using your United Business card. Plus you earn 2x miles.
Award Upgrades for Premier Members- If you are a United Premier Elite member, you can enjoy complimentary upgrades on award tickets when you fly.
Potential $100 Travel Credit– You can earn a $100 United travel credit after 7 United Flight purchases of $100 or more each card anniversary.
Potential 5,000 Mile Bonus– If you maintain both a United Business or the United Explorer or United Club card, you can earn 5,000 bonus miles each card anniversary.
Primary Rental Car Insurance
Primary rental car insurance covers any damage to a rental car when you pay for the rental using this card.
For primary coverage to apply, you must be renting the car for business purposes.
But you still need to maintain liability car insurance to cover damage to another person or property.
Baggage Delay Insurance
Baggage delay insurance can reimburse you for the cost of necessary personal and business items if (1) you purchased your trip with this card and (2) your bag is delayed by a common carrier like an airline, train, ferry, or cruise ship, etc.
Common reimbursable items include clothing, toiletries, and phone chargers, which can be a life-saver when you are without your bag.
Lost Luggage Reimbursement
Lost luggage reimbursement covers the cost to repair or replace your luggage and the contents inside if your bag is lost or damaged during a covered trip.
You must purchase the trip with this card, and it will also cover immediate family members traveling with you.
Coverage is also secondary to any reimbursement from the airline or common carrier. For example, if your bag and its contents were worth $1,000 and the airline gave you $200, you could file a claim for $800.
Trip Delay Insurance
You should always buy flights with a credit card that offers trip delay insurance, which reimburses you for things like hotels, food, transportation, and other necessary items.
Flights are increasingly delayed or canceled, and it is too risky to not use card that offers free trip delay insurance. Plus, airlines frequently blame delays on weather or an external factor to get out of paying compensation to passengers.
This benefit can really come in handy during a delay. While other passengers are worried about where to sleep and eat, you can book a nice hotel of your choice and enjoy some nice meals, without worrying about the cost.
Trip Cancellation / Interruption Insurance
When you’re planning a trip, the last thing you want to worry about is whether or not your travel plans will be covered if something goes wrong. That’s where credit card trip cancellation and interruption insurance comes in.
Trip cancellation and interruption insurance reimburse you for non-refundable expenses if your trip is interrupted or canceled for a covered reason such as illness, severe weather, or an accidental injury.
To be eligible for trip cancellation and interruption insurance, you’ll need to pay for your travel expenses using this card.
Travel is crazy enough without having to worry about being out of pocket if something goes wrong, so I always suggest booking all travel with a card that offers travel protections.
Extended Warranty
Credit card extended warranty protection adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.
Coverage matches the protection provided by the original warranty so that damage or defect would have to be covered by the original warranty for extended warranty coverage.
The maximum coverage is $10,000 per item and $50,000 per cardholder.
For example, if you bought a TV with a manufacturer’s warranty of three years, then this card would extend the warranty for free to the fourth year.
But if the TV comes with a four or five-year warranty, you should consider using an American Express or Citi credit card, which covers warranties up to 5 years.
Purchase Protection for 120 Days
Purchase protection can save you a lot of money if you bought an eligible item that is damaged or stolen within 120-days.
For example, if accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if it was purchased within the last 120 days.
Coverage for this benefit is limited to $500 per claim and up to $50,000 per cardholder.
- Earn 75,000 Miles after Spending $5,000 in the First 3 Months
- 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
- 2 United Club One-Time Passes Per Year
- $100 United Travel Credit
- Free First Checked Bags and Priority Boarding
- Primary Rental Car Insurance
- Trip Delay and Trip Cancellation/Interruption Insurance
- $0 Intro Annual Fee, $99 Annual Fee Thereafter
