New card features, 100k offer. United is discontinuing their “Business Explorer” card and replacing it with the… UnitedSM Business Card as the Chase business credit card that offers unique perks for regular United customers including free checked bags and expanded award seat availability for redeeming miles. I don’t really get the point of changing the name, but they did add these perks:
- $100 annual United travel credit after 7 flight purchases of $100 or more.
- 5,000 miles annual bonus miles when you have both the United Business Card and a personal Chase United credit card.
- 25% back on United inflight purchases.
- 2X miles per $1 spent on local transit and commuting- including train tickets, taxi cabs, mass transit, tolls and ride share services.
- Note: Annual fee is now $99 (instead of $95).
More good news is that this is a “new” card and thus everyone is able to get the sign-up bonus again as a new cardholder (no bonus if you convert your old card over). They are starting out with a limited-time offer of up to 100,000 bonus United miles for with a lower total spending requirement while keeping all the perks from the old card:
- 100,000 bonus United miles after spending $10,000 within the first 3 months.
- Free first checked bag for both you and a companion (a savings of up to $120 per roundtrip) when you use your Card to purchase your ticket.
- Two one-time United Club passes each year ($100+ value)
- Expanded award availability. Having this card makes it easier to redeem for that saver award economy ticket.
- Priority boarding for you and companions on the same reservation on United-operated flights.
- 2X miles at restaurants, gas stations and office supply stores.
- 2X miles on United purchases and 1 mile per $1 spent on all other purchases.
- No foreign transaction fees.
- Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.
- Employee cards at no additional cost.
- $99 annual fee.
Keep in mind the following terms and conditions:
This product is available to you if you do not have this Card and have not received a new Cardmember bonus for this Card in the past 24 months.
However, you CAN get this card if you had the consumer version of the United Explorer in the past 24 months (or have one now).
Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. The business type is called a sole proprietorship, and these days many people are full-time or part-time consultants, freelancers, eBay/Amazon/Etsy sellers, Uber/Lyft drivers, or other one-person business owners. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.
Note that Chase has an unofficial rule that they will most likely deny approval on new credit cards if you have 5 or more new credit cards from any issuer on your credit report within the past 2 years (aka the 5/24 rule). This rule is designed to discourage folks that apply for high numbers of sign-up bonuses. This rule applies on a per-person basis, so in our household one applies to Chase while the other applies at other card issuers.
The good news is that small business cards from Chase hardly ever show up on personal credit reports, so getting this card in itself won’t affect your future 5/24 eligibility. This it makes a “free” application if you are already eligible.
This card is very focused on rewarding you for being a United customer. Before you board, you might use one of your free United Club lounge passes. You have the first checked bag for free on United flights, both for your and a companion traveling on the same reservation. The fee is usually $30 per person, each way, so that this how they get the value of $120 each roundtrip. You also get Priority Boarding, which helps you find space for your carry-on.
Expanded award availability. You earn United miles for all your purchases (double miles on restaurants and hotel stays), but then they also make it easier for you to redeem those miles on Saver level tickets with no blackout dates. Expanded award seat availability is another of the top perks from this card, and it is actually a significant difference. Saver Award ticket redemptions start at 12,500 miles one-way within the continental U.S. and Canada.
Another unique feature of this card is that it offers primary coverage on the Auto Rental Collision Damage Waiver. On many other cards, this coverage is offered as secondary coverage, meaning it only kicks in after your personal auto insurance has been exhausted.
Bottom line. The United Business card offers valuable perks for folks that fly United even just once or twice a year. The card provides lounge passes, a free checked bag, priority boarding, and inflight discounts. There are bonus categories to earn more miles, and special expanded award seat inventory for credit card holders to make it easier to actually redeem those miles for flights. Right now, there is a 100,000 mile limited-time offer.
I have added this card back to the Top 10 Best Small Business Card Bonus Offers.