United℠ Business from Chase Review

All benefits

• Miles
  • 2x On United Airlines purchases.
  • 2x On dining, including eligible delivery services.
  • 2x At gas stations, office supply stores, and on local transit and commuting.
  • 1x On all other purchases.
• Travel
  • Free first checked bag:
  • The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free (up to $35 value, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card.
  • $100 Earn a $100 United travel credit after qualifying flight purchases.
  • 5,000x Anniversary bonus miles.
  • 1,000x Premier qualifying points - You'll earn 500 PQP for every $12,000 you spend on purchases with your United Business Card (up to 1,000 PQP in a calendar year) that can be applied towards your Premier status qualification, up to the Premier 1K level.
  • 2x United Club one-time passes each year.
  • 25% Back on United inflight purchases.
  • Priority boarding:
  • Board United-operated flights prior to general boarding.
  • The Luxury Hotel & Resort Collection:
  • This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay.
  • United Card Events from Chase and United MileagePlus Events:
  • Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family. United MileagePlus® Visa Signature® Cardmembers may also use award miles to enjoy exclusive experiences, such as winemaker dinners and other unique virtual events.
  • Auto Rental Collision Damage Waiver:
  • Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
  • Baggage Delay Insurance:
  • 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:
  • 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 Cancellation/Trip Interruption Insurance:
  • 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.
  • Trip Delay Reimbursement:
  • 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.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 21.99% - 28.99% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • 21.99% - 28.99% Variable
• APR for Cash Advances
  • 29.99% Variable
• How to Avoid Paying Interest
  • Your due date will be a minimum of 20 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

Pros & Cons

Features

• No foreign transaction fees
• Payment Flexibility
• Rewards
• Purchase Protection
• Extended Warranty Protection
• Travel
• Airline
• Lost Luggage Reimbursement
• Baggage Delay Insurance
• Award Travel seats
• Trip Cancellation
• Auto Rental Insurance
• 24/7 Travel Assistant
• Good Credit
• Excellent Credit