Update: Chase has clarified that everyone who is approved for this card will be eligible for the bonus on this brand new card, even if they have or got a bonus on the United Explorer Business card in the past 24 months!
Chase and United released a new business card today, the Chase United Business Card. Chase also still offers the older United Explorer Business Card.
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Limited time signup bonus
Until 4/2 only, you can earn 100,000 bonus miles for opening a Chase United Business Card and spending $10,000 in 3 months.
You can also earn the same bonus on the United Club Business Card. Just click on the United Business Card to apply.
There is a $99 annual fee for the United Business Card.
The United Club Business Card has a $450 annual fee, and comes with a full United Club Membership.
Welcome bonus terms
You can receive the bonus on this card if you haven’t received a bonus on this United business card in the past 24 months and don’t currently have this United business card.
- A free checked bag for the cardholder and a companion, even on basic economy fares. (The United Club card comes with 2 free checked bags for the cardholder and a companion).
- 2 miles per dollar on United, restaurants, gas stations, office supply stores, local transit, taxis, tolls, mass transit, and ride share services.
- 5,000 bonus miles every card anniversary if you have this United business card and any United consumer card.
- $100 annual statement credit if you make 7 United flight purchases of $100 or more.
- 25% statement credit for food, beverage, and WiFi purchases on United flights.
- A free carry-on bag for the cardholder and companions, even on basic economy fares.
- Priority boarding for the cardholder and companions, even on basic economy fares.
- The ability to use online checkin and get a boarding pass in advance on basic economy fares. United does not allow online checkin on basic economy fares unless you have elite status or a United card with free bags.
- 2 free United Club passes every year for being a cardmember.
- No foreign exchange fees.
- Primary rental car CDW insurance in the US when renting for business purposes and in every other country for any rental purpose.
- Exclusive cardmember access to auctions that allow you to use your miles for once-in-a-lifetime experiences. A few years ago I used 25K miles for 4 field box seats to an Indians game along with the right to run onto the field before the top of the 7th inning and swipe 2nd base right off the field. Nobody could believe it as I walked around the ballpark with 2nd base. I even got it signed after the game by the Indians wining pitcher that night, Justin Masterson, who was equally shocked that I actually had 2nd base.
- Cardholders with United elite status get free upgrades on coach award tickets on upgrade eligible routes.
- If you spend $12K/year on the card it will give you 500 PQPs and if you spend $24K/year you’ll get 1,000 PQPs. PQPs from multiple cards can stack together.
- United miles never expire, even if you close your card.
Business card and 5/24 info
This is a business card, but you may already have a business that needs a card to keep track of expenses. For example if your name is Joe Smith and you sell items online, or if you have any other side business and want a credit card to better keep track of business expenditures you can open a business credit card for “Joe Smith” as the business. You don’t need to file any messy government paperwork to be allowed to do that. Just be sure to select “Sole Proprietorship” as the business type and just use your social security number in the Tax Identification Number field.
If you have business paperwork you can apply under your business name. Otherwise, it’s critical to just write your own name as the business name if you are just applying for your own small business as a Sole Proprietorship that doesn’t have any business paperwork. You can then send in bills in your own name for verification.
All Chase cards appear to be subject to 5/24 restrictions, meaning that you are not likely to be approved if you have been approved for 5 or more consumer credit cards in the past 24 months. Note that the Chase system automatically counts cards like authorized user cards and store cards as cards that count towards 5/24, but if you explain to Chase that those cards are merely authorized user cards or store cards they can manually approve you for a new card.
However, it’s important to note that business cards from most banks, including Chase business cards, do not get added to your 5/24 count of recently opened cards. That’s because business cards from most banks don’t show up on your personal credit report and the 5/24 count is based off of your personal credit report. That means that applying for these cards won’t “hurt” your 5/24 count.
Another benefit of the card not reporting on your personal credit report is that when you spend money on personal cards your credit score will be hurt even if you pay your bill on time. A whopping 30% of your credit score is based on credit utilization. You can pay off your card bill before your statement is generated to avoid that, but that takes effort and laying out money well before you have to. Additionally it’s good to have the statement close with a couple dollars to show the card is active and being paid every month. On an business cards from banks like AMEX and Chase it’s just not reported, so you can wait until the money is due without it having a negative effect on your score. That also means if you close the card, it won’t have an effect on your credit score.
Expanded award ticket availability
The reason this card is the best airline card you can get isn’t for the spending benefits, it’s for the perks. And they are awesome.
The reason this is my favorite airline card is that the United card is the only airline card that offers expanded award ticket availability.
This increases the value of your miles significantly and in turn makes the Chase Quadfecta/Quinfecta spending strategy even more valuable.
Cardholders have access to expanded saver coach award availability (XN class), last seat standard coach award availability (YN class), and last seat standard business/first class award availability (JN class).
It’s not just slightly expanded. There is a world of difference between the availability that cardholders can access and the availability for non-cardholders.
Availability calendar for non-cardholders:
Availability calendar for cardholders:
This availability differential applies to all domestic and international routes and makes it crucial to be a United cardholders.
Expanded Plan B availability
As you have better access to saver coach awards you’ll also have better ability to do Plan B awards.
Plan B allows you to redeem for saver business class awards when there’s only saver coach available! Read more about Plan B in this post.
No airline besides United offers a Plan B style award redemption.
Discounted awards for cardholders
United runs promotions offering discounts on award flights for cardholders.
While American and Delta have eliminated free stopovers, United continues to offer a free excursionist perk as described in this post. Just use the multi-city award search on United.com to piece it together.
A round-trip to 2 Hawaiian Islands is just 45,000 miles round-trip thanks to the free excursionist perk:
A round-trip ticket to 2 European or South American cities is just 60,000 miles round-trip thanks to the free excursionist perk:
A flight to 2 of my favorite cities in Asia, Hong Kong and Chiang Mai, Thailand is 80K miles thanks to the perk:
You’re even allowed a free open jaw in addition to the perk to really maximize your travel. For example this itinerary includes travel to London, Paris, and Zurich. You can take a train or use 4.5K BA Avios to get from London to Paris to fill the hole in the open jaw:
Of course the free stopover isn’t just useful from the US.
You can stopover in NYC and LA when flying from Tel Aviv to the US:
United has dozens of partner airlines which means lots of great award opportunities. It can be worth checking for award space on partner sites like ANA or Aeroplan.com to search for award availability and then call United to book if you don’t see availability on United.
Partners airlines include:
- Adria Airlines
- Aegean Airlines
- Aer Lingus
- Air Canada
- Air China
- Air Dolomiti
- Air India
- Air New Zealand
- Asiana Airlines
- Austrian Airlines
- Avianca Airlines
- Azul Brazilian Airlines
- Brussels Airlines
- Cape Air
- Copa Airlines
- Croatia Airlines
- EVA Air
- Ethiopian Airlines
- Hawaiian Airlines
- Island Air
- Juneyao Airlines
- LOT Polish
- Scandinavian Airlines
- Shenzhen Airlines
- Silver Airways
- South African Airways
- Swiss International Airlines
- TAP Portugal
- Turkish Airlines
Are you a United cardholder?