[1 Hour Left!] Limited Time Offer: Earn Up To 150,000 Miles On The Chase United Business Card!

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Chase United Business Card

Limited time signup bonus

For a limited time only, you can earn up to 150,000 bonus miles for opening a Chase United Business Card. Earn 75,000 bonus miles for spending spending $5,000 in 3 months and another 75,000 bonus miles for spending another $15,000 in 6 months.

This card previously offered 75,000 bonus miles for spending $5,000 in the first 3 months of card membership.

While United miles are not as valuable as they used to be, they no longer expire and there are advantages to using miles over cash or bank points.

When you use cash or bank points you won’t get benefits like free bags for using your United card, whereas with miles you can put the taxes on your credit card to get those benefits.

Plus, you can cancel award tickets for free 30+ days before your flight and get back all of your miles and taxes. As there are free date changes at any time before departure, that effectively means you can always cancel and get back your miles. That’s a huge peace of mind that is hard to calculate and accurately value when comparing the value of a mileage ticket to a cash ticket.

Annual fee


You can currently redeem 6,600 United miles to pay for the card’s annual fee thanks to a value of 1.5 cents per mile towards refunding the annual fee!

You can pay back all or part of the annual fee at that rate.

You have 90 days from when the fee is billed to pay yourself back and you can do so even after paying the annual fee.

You can use miles from the card’s signup bonus or you can transfer points from Ultimate Rewards to United to pay back the annual fee.

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.

Note that this is a different product than the United Business Explorer card and you can have both cards and receive the bonus even if you received the bonus on that card within the past 24 months.

You can also get the bonus regardless of which United consumer cards that you have.

Card benefits

  • A free checked bag worldwide for the cardholder and a companion, even on basic economy fares.
  • 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 purchases of $100 or more on the card.
  • 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.
  • Primary rental car CDW insurance in the US when renting for business purposes and in every other country for any rental purpose.
  • Cardholders with United elite status get free upgrades on coach award tickets on upgrade eligible routes for the cardholder with status and a companion!
  • 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 up to 5,000 PQPs.
  • 1 year free DoorDash membership.
  • $10 monthly GoPuff credit through 12/31/23.
  • No foreign exchange fees.
  • 25% rebate on inflight WiFi, food, and drink purchases.
  • 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.
  • United miles never expire, even if you close your card.
  • Trip Cancellation / Trip Interruption Insurance
  • Extended Warranty Protection
  • Purchase Protection

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.

Chase has been approving some co-branded cards even if you are over 5/24, but your mileage may vary.

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.

Spend Threshold:

You can pay your federal taxes for a 1.87% fee. If you overpay your taxes you can request a refund or apply it to your next year’s taxes.

My local natural gas company allows me to prepay up to $1,000 on a credit card for a $1.65 flat fee. That’s a great way to earn miles and help meet a spend threshold. My electricity supplier allows me to pay with a credit card for free as long as I am enrolled in autopay.

See this post for more ideas on meeting a credit card spend threshold.

United Cards As Part Of A Chase Quinfecta Strategy

All of the United cards have unique benefits, so which should you get?

That depends on which benefits you value and how much they would cost you otherwise.

It’s worth noting that you can get the signup bonus for each United card as long as you didn’t get the bonus for that exact card within the past 24 months and don’t currently have that exact card.

If you have a United consumer card you can change to any currently offered United consumer card and if you have a United business card you can change to any currently offered United business card. After waiting 3-4 days you can apply for that card again.

It certainly makes sense to have a United card on top of a Chase Quinfecta strategy as just having the card makes your points more valuable. That consists of:

  1. Sapphire Reserve or Sapphire Preferred or Ink Preferred for mileage transfers and bonus value on points.
  2. A no-fee Freedom Unlimited or Ink Unlimited for 1.5 points per dollar everywhere.
  3. A no-fee Freedom Flex for 5 points per dollar in rotating categories.
  4. A no-fee Ink Cash for 5 points per dollar on wireless and office supply stores, including gift cards to stores like Amazon and hundreds more.
  5. Having a United card on top of the cards above creates a Chase Quinfecta as your United miles (and by extension your Chase points) become more valuable thanks to expanded award availability.

Here is a summary comparing what the currently available United cards have to offer:

  • If you just want expanded award availability, go for the no-fee United Gateway Card. However you should get a premium consumer card with a higher signup bonus and downgrade the card after your first year as the higher signup bonus will more than offset the first year’s annual fee. Plus you can redeem miles to directly cover the annual fee and still come out ahead.
  • If you also want to be able to get a free bag and bypass onerous basic economy restrictions, go for the United Explorer Card or United Business Card.
  • If you will be able to take advantage of the Quest card’s $125 and 10,000 mile rebates, then the United Quest Card will effectively be cheaper than the Explorer card, plus you’ll get 2 free bags to boot!
  • If you can meet a big spending threshold in 6 months, the 150,000 bonus miles offered on the United Business Card is very compelling.
  • If you want United Club access, go for the United Business Club Card or if you want a consumer card, the Chase United Club Infinite Card Card
  • Grandfathered cards like the old United Presidential Plus card (good for earning more PQPs towards United elite status) and the old consumer United Club card (similar to the current United Business Club card) can’t be had anymore, so think twice before you close those.

Expanded award ticket availability

The reason the United cards are the best airline cards you can get isn’t for the spending benefits, it’s for the perks. And they are awesome.

The United cards are the only airline card that offers expanded award ticket availability.

All 4 of these cards offer this benefit.

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 significantly 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).

If you’re not a United cardholder, there are no dates with saver award space nonstop from Newark-Tel Aviv in November-December:

If you are a United cardholder, there are many dates with saver award space:


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.

They have offered these discounts for travel to TahitiSki destinationsHawaii, Mexico, The Caribbean, and more.

Here Is United’s Hidden Award Chart

United no longer publishes an award chart, but rates for United flights found in their old award chart are still correct.

United does charge a close-in mileage surcharge and they can be found in the chart below. Note that the you’ll want to book travel as 2 one-ways to avoid paying the surcharge on the return leg when it wouldn’t apply when booked separately. However if you do that you would lose your ability to take a free stopover.

Partner award rates have gone up and they can be found in the unpublished award chart below with one-way rates for flights to/from the mainland US:

United flightsPartner flights
Close-in surcharge within 7 days2.5K-3K miles
1K-3.5K miles
Close-in surcharge 8-21 days in advance2K-2.5K miles1K-3.5K miles
Mainland US/Canada12.5K Coach
25K Business
35K Premium Business
14K Coach
27.5K Business
Alaska17.5K Coach
30K Business
40K Premium Business
19.5K Coach
33K Business
Hawaii22.5K Coach
40K Business
50K Premium Business
25K Coach
44K Business
Mexico17.5K Coach
30K Business
19.5K Coach
33K Business
Central America17.5K Coach
30K Business
19.5K Coach
33K Business
Northern South America20K Coach
35K Business
22K Coach
38.5K Business
Southern South America30K Coach
60K Business
33K Coach
66K Business
Europe30K Coach
60K Business
33K Coach
77K Business
121K First
Africa40K Coach
70K Business
44K Coach
88K Business
143K First
Middle East42.5K Coach
75K Business
47K Coach
93.5K Business
154K First
Central Asia42.5K Coach
75K Business
47K Coach
93.5K Business
154K First
South Asia40K Coach
75K Business
44K Coach
99K Business
154K First
North Asia35K Coach
70K Business
38.5K Coach
88K Business
132K First
Japan and Oceania35K Coach
70K Business
38.5K Coach
88K Business
121K First
Australia and New Zealand40K Coach
80K Business
44K Coach
99K Business
143K First

Excursionist Perk

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:



If you find yourself in Japan you can fly on the island hopper to 2 cities in Micronesia (I’ve been hankering to get back to Palau since the moment I left) for 30K miles:

Partner airlines

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:

  • ANA
  • Aegean Airlines
  • Aer Lingus
  • Air Canada
  • Air China
  • Air Dolomiti
  • Air India
  • Air New Zealand
  • Aeromar
  • Asiana Airlines
  • Austrian Airlines
  • Avianca Airlines
  • Azul Brazilian Airlines
  • Brussels Airlines
  • Cape Air
  • Copa Airlines
  • Croatia Airlines
  • EVA Air
  • Edelweiss
  • Egyptair
  • Ethiopian Airlines
  • Eurowings
  • Germanwings
  • Hawaiian Airlines
  • Island Air
  • Juneyao Airlines
  • LOT Polish
  • Lufthansa
  • Scandinavian Airlines
  • Shenzhen Airlines
  • Silver Airways
  • Singapore
  • South African Airways
  • Swiss International Airlines
  • TAP Portugal
  • THAI
  • Turkish Airlines

Will you signup for a Chase United Business Card?

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39 Comments On "[1 Hour Left!] Limited Time Offer: Earn Up To 150,000 Miles On The Chase United Business Card!"

All opinions expressed below are user generated and the opinions aren’t provided, reviewed or endorsed by any advertiser or DansDeals.


I have this card under a sole prop business with my SSN. Will I be eligible for the bonus if applying under a different business with an EIN?


If I got this card 2 days ago with 75k bonus, can I still get the other 75k?


If I just got approved under the 75000 point offer yesterday, is it possible to get this offer applied?

second card

Can I get the bonus points if my spouse already got a bonus in the past 24 months under the same business/EIN number?


Dan, I applied for this card 2 days ago for the 75000 offer. It is in pending state. Is there any way that I can cancel the application and then re-apply for the new offer ?

2 business

I have 2 businesses with accounts at Chase. I have the card with one business, can I sign up and get a second of the same card, to get the bonus again?


Is the card spend period a total of 6 months overall, or is it 5K in the first 3 months, then another 15K but one has an ADDITIONAL 6 months to meet that spend? So reaching out essentially nine months total for the whole 20K in spend?


If I close my old one today, can I apply for a new one right after? And when does this expire?


When does this offer expire?


Can I get this card and the bonus for multiple businesses? Or is it tied to the owner’s SS?


If I apply via 2BM for my LLC with its own EIN, AND a separate application as a sole prop, do I stand a chance of getting both approved? Anything to do to increase the odds?


Applied and approved through your link. Do I need to use the card to pay for a ticket to get the free bags? My wife has a lot of travelbank cash but i got the card in my name.


Hi. For the $100 credit , is out ok if I book 4 round trip tickets, or it’s needs to be 8 one ways.
Thanks for helping us



Do you know what time TSA PreCheck closes in Newark TC?


Does the flight have to be booked through united to take advantage of the free checked bag? Or any online booking as long as it was purchase with this cc will qualify for a free bag?


Is the free bag only for united flights or other flights also?


Would 7 purchases include 7 travel bank credits of 100? Or actual flights needed?


I know i’m late but if i cancel today and reapply tomorrow can i still get the bonus?


can this be downgraded later to a no annual fee card?


No there’s no United business card with no annual fee
But since it’s a business card you can close it after the 1st year without it affecting your record


Does it hurt to apply for 3 cards in the same hour? 2 ink for 90k and 1 united for 150k


I got approved on Friday, i already see the club passes in my account, but i can’t book XN yet. any reason?


I’m new to the mile business. I see from previous posts that the best way to maximize my United points is to sign up for Plan B. Can anyone shed light on how to sign up?
Thank you


hi Dan I wanted to know if additional card holders get the benefits like the primary card holder? asking it in general to all united cards