Earn up to 75,000 bonus miles with United business cards

Chase is constantly updating its roster of available travel credit cards, and that’s true even when it comes to their co-branded airline credit cards with United. While bonus offers tend to fluctuate over time, business owners and entrepreneurs currently have two United business credit cards to choose from: the United℠ Business Card and the United℠ Club Business Card.

Both of these airline credit cards offer a great rewards rate on United purchases, perks for small-business owners who travel frequently and sign-up bonuses that require a fairly low spend.

If you’re in the market for a Chase United credit card for your small business, read on to learn how these two cards compare as well as who they’re best for.

Comparing United business credit cards

The United Business and United Club Business cards offer the same rewards rate on United purchases and the same sign-up bonus, but they vary considerably when it comes to their annual fees, rewards rates in everyday spending categories and cardholder perks.

Ongoing rewards and annual fees

Both cards get you 2X miles on United purchases. Additionally, the United Business Card offers 2X miles on local transit and commuting, 2X miles at gas stations, office supply stores and restaurants and 1X miles on all other purchases.

Instead of awarding bonus miles in a specific spending category outside of United purchases, the United Club Business Card gets you a higher general rewards rate of 1.5X miles on every purchase. If you’re looking for ways to earn more United miles, this card may give you a leg up if you use it for all your business spending and bills.

According to our estimates, while transit, gas station, restaurant and office supply store purchases make up a decent chunk of most small-business owners’ expenses, the United Business Card’s bonus rate in these categories is not high enough to outweigh the Club Business Card’s base rate on general purchases. We estimate that the United Business Card has an average rewards rate of 1.29 miles per dollar,compared to the United Club Business Card’s 1.57 miles per dollar.

Even so, many small-business owners – especially those who place a lower priority on lounge access – may find that the United Business Card offers better long-term value due to its much lower annual fee. The United Business Card charges an annual fee of just $99 (waived the first year), about a fifth of the cost of the United Club Business Card ($450).

Who is eligible for the sign-up bonus?

These bonuses are only available to new cardholders and previous cardholders who have not received a new cardmember bonus in the past 24 months. Of course, you must first qualify for the cards, which are designed for cardholders with a credit score in the very good or excellent range (at least 740).

Best ways to spend 75,000 MileagePlus miles

Racking up 75,000 bonus miles in the United MileagePlus program can take you a long way, and that’s true whether you use your miles to travel on United flights or with one of its Star Alliance partners. MileagePlus miles can also be very valuable – worth 1.5 cents per mile by our estimates – but how much value you get for your miles can greatly vary depending on how you use them.

United MileagePlus redemption options

While United miles can be worth quite a bit, keep in mind that United has shifted away from its fixed awards chart in favor of a dynamic award pricing model. By and large, the lack of a fixed award chart makes it considerably harder to know how far your miles will take you.

Still, 75,000 miles can give you quite a few options, and this is particularly true if you’re flexible with your travel dates and willing to avoid holidays and peak travel times.

Should you apply for the United Business Card or the United Club Business Card?

Both of these cards give you a chance to score a solid sign-up bonus if you’re a small-business owner who wants to earn rewards with United. However, we can still draw a pretty clear distinction between the two.

Unless you place a premium on United Club lounge access or spend considerably more than the average small-business owner, you’ll probably be better off with the United Business Card.

Though its average rewards rate is less than that of the United Club Business Card, the United Business Card charges a lower annual fee and still offers plenty of compelling perks – including some not available with its luxury alternative.