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United Business Card
A practical option for business owners who fly United often enough to use its bag benefits and recurring travel perks.
Last verified May 8, 2026. Confirm live issuer terms before applying.
Bottom line
Worth a closer look if the benefits fit your routine
- Best fit
- Best fit if travel and gas is already in your budget and you can route about $1,667/mo of normal spend.
- Watch out
- $150 fee only works if the benefits are useful without changing your spending behavior.
Bonus ROI
22%
Welcome bonus on required spend
Annual fee
$150
Annual card cost
Credit needed
Good+
Issuer approval tier
Required spend
$5,000 / 3 mos
Welcome-offer threshold
Travel
2x
Eligible United purchases.
Gas
2x
Dining
2x
Other
2x
2X miles at office supply stores and on local transit.
Credits And Perks
What actually offsets the fee
$125 United Travel Credit
~$125/yrReceive a United travel credit after making five United flight purchases of $100 or more in a calendar year.
$120 Instacart Credits
~$120/yrReceive up to $120 in Instacart credits each calendar year for eligible Instacart purchases.
$100 United Hotels Credits
~$100/yrReceive up to $100 back as statement credits on eligible prepaid United Hotels stays.
$100 Rideshare Credits
~$100/yrEnroll to receive up to $100 back as statement credits each calendar year on eligible rideshare purchases.
7 recurring credits found in the current dataset.
Issuer Offer
Check the live terms before applying
Confirm the welcome offer, annual fee, credits, and eligibility rules on the issuer site.
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