united business credit card
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You may have heard about the new United Business Card which has replaced the MileagePlus Explorer Business credit card. It feels like more of an upgrade than a brand new card, but Chase is treating it as an entirely new card. This is going to be important for many of you.

United Business Card Bonus Offer

The bonus offer is 100,000 bonus miles after $10,000 in purchases in your first three months.

If you are in a cash crunch, you should avoid travel rewards credit cards until you are caught up. Here are our favorite credit cards for Intro 0% APR offers and for balance transfer offers

This card has replaced the United MileagePlus Explorer Business Card and is considered a new / different card for purposes of the bonus. If you have/had the United MileagePlus Explorer Business Card, you can still get this bonus.

Per the Chase website: This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.

United Business Card benefits:

  • 2 miles per $1 spent on United purchases, at gas stations, office supply stores and restaurants and on local transit and commuting – which includes taxis, mass transit, tolls, and ride share services
  • 1 mile per $1 spent on everything else
  • 5,000 bonus miles each anniversary when you have both a (new) United Business Card and a ANY personal United card
  • You’ll get a $100 annual United travel credit after 7 United flight purchases of $100 or more
  • 25% back when you make United inflight purchases, including Wi-Fi, food and beverages with the card.

United Business Card Annual Fee: $99

(It was $95 on the United MileagePlus Explorer Business Card)

Other benefits include:

  • Free first checked bag (must buy the ticket with your United card
  • Priority boarding
  • 2 United ClubSM one-time passes at account opening and on each Cardmember anniversary
  • No foreign transaction fees
  • Primary Collision Damage Waiver on car rentals when used for business purposes
  • Trip Cancellation / Trip Interruption Insurance(From the Chase website) You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.^
  • Baggage Delay Insurance(From the Chase website) Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
  • Lost Luggage Reimbursement(From the Chase website) If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
  • Trip Delay Reimbursement(From the Chase website) If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

There’s a huge unofficial benefit which can be the reason to get and hold this card:

The biggest benefit is access to expanded award availability on United flights. United often makes additional award seats (coach only, sorry) available for its elites. This is in an inventory bucket called YN which you can search online easily.


The number one reason to get the United Business Card?

For sure, it’s the 100,000 point bonus offer. Once you spend the $10,000 you’ve got 110,000 United miles. That’s the exact amount you would need for a one way FIRST Class ticket on Lufthansa to or from Europe. While 110,000 miles is not the best value in pure miles for the route, you’ll pay no surcharges.  (Avianca also has no surcharges and charges almost 30,000 less miles each way). And with the First Class Terminal, it’s an aspirational award for many.

More practically, 120,000 miles would be enough for a United partner award flight to Asia or you could fly in Business to Asia for 85,000 miles each way or 70,000 in Business to Europe each way.

The point is, it’s a lot of miles and the only people excluded are those at/over 5/24. Once again, ff you have/had the United MileagePlus Explorer Business Card, you can still get this bonus.

Learn how to apply for the United Business card here


Let me know here, on Twitter, or in the private MilesTalk Facebook group.

You can find credit cards that best match your spending habits and bonus categories at Your Best Credit Cards

New to all of this? My introductory book, MilesTalk: Live Your Wildest Travel Dreams Using Miles and Points is available on Amazon and at major booksellers.

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I got "in the game" in 2003 and since then I've collected literally millions and millions of frequent flyer miles and hotel points. I've flown around the world in first class seats that would cost $29,000 using frequent flyer miles and a few bucks in tax. And I've stayed in some of the finest hotels - all for free! A few years ago I realized many of my friends actually thought I was paying for these!! So I started sharing my tips. It's long been a passion, but when I hosted a session on Miles and Points at this year's South by Southwest festival, my love of the game intensified and this blog was born.


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