United Enterprise Card evaluation: Full particulars

The United℠ Enterprise Card supplies a plethora of perks for a $150 annual charge. From a primary checked bag free on United Airways flights to ride-hailing assertion credit and extra, the cardboard can present strong worth to the precise small-business homeowners. Nonetheless, some companies could discover it inconvenient to trace the cardboard’s coupon ebook of month-to-month advantages. Card score*: ⭐⭐⭐½

* Card score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

The United Enterprise Card is a mid-tier card for small companies that use United for flights at the least a number of occasions a yr. The cardboard presents perks like a free checked bag and inflight reductions on meals and drinks to assist companies save on ancillary flying charges.

United just lately refreshed its complete bank card portfolio. The United Enterprise Card’s annual charge rose to $150, however we additionally noticed the introduction of recent assertion credit and improve certificates to ease the sting. These advantages are usually not completely geared towards journey, so you may need to guarantee they suit your spending habits.

For the perfect possibilities of approval, you may desire a credit score rating of 670 or increased. You probably have a small enterprise and journey with United (even sometimes), you would possibly need to think about making use of for the United Enterprise Card.

Listed here are all of the United Enterprise Card advantages you’ll want to learn about to resolve if it is best for you.

New United Enterprise Card holders can earn 125,000 bonus miles after spending $5,000 on purchases within the first three months of account opening. Plus, new cardholders can earn one other 5,000 miles after including an worker card within the first three months of account opening.

Based mostly on TPG’s March 2025 valuations of United miles at 1.35 cents every, this bonus is price as much as $1,755.

Though this isn’t the highest provide we have seen on the cardboard, it’s the highest bonus now we have seen on the cardboard over the previous two years. We advocate making use of now if you wish to add this card to your pockets.

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You are not eligible for this welcome provide for those who presently have or had the United Enterprise Card and acquired a welcome bonus for it throughout the final 24 months.

Chase considers the United Enterprise Card a definite product from the United Membership℠ Enterprise Card and the no-longer-available United Explorer Enterprise Card. So, you probably have or beforehand had both of those playing cards, you are still eligible for the welcome bonus on the United Enterprise Card.

The United Enterprise Card additionally doubtless falls underneath Chase’s unpublished 5/24 rule. In the event you’ve opened 5 or extra bank card accounts within the final 24 months, you won’t be permitted for it.

The data for the United Membership Enterprise and the United Explorer Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Associated: Greatest bank card welcome presents

The United Enterprise Card is finest fitted to small-business homeowners with out United or Star Alliance standing on the lookout for United Airways advantages.

This card can definitely fulfill that want with the next United-linked advantages:

• First checked bag free: Get the primary checked bag free as the first cardmember and for a companion touring on the identical reservation on United-operated flights.
• Precedence boarding: Get precedence boarding as the first cardmember and for a companion. In the event you do not like gate-checking your carry-on as a result of the overhead house is full, this perk will show you how to keep away from that.
• Two one-time United Membership passes: Be aware that these can solely be utilized by the first cardmember, a licensed person or a visitor touring with both sort of cardmember.
• FareLock assertion credit score: Earn as much as $25 in assertion credit yearly after buying FareLock for a United flight utilizing the United Enterprise Card.
• United journey credit score: Earn $125 in United TravelBank money after 5 $100-plus United flight purchases per calendar yr.
• Economic system Plus seat upgrades: Earn two continental U.S. Economic system Plus seat upgrades after spending $25,000 in a calendar yr.
• Low cost on United inflight purchases: Obtain 25% again as a press release credit score on eligible inflight United purchases while you pay along with your United Enterprise Card.

Other than the United-related advantages, this card presents a set of assertion credit to assist offset its annual charge. These credit will be helpful for enterprise homeowners, however their usefulness relies upon fully in your spending habits and service provider preferences.

These assertion credit embody:

• As much as $100 United Inns assertion credit score: Obtain $50 in assertion credit in your first and second pay as you go lodge stays bought by United® Inns utilizing your United Enterprise Card every anniversary yr.
• Trip-hailing credit score: Obtain $8 every month ($12 in December) in ride-hailing assertion credit for a complete of $100 every calendar yr. Yearly enrollment is required. Chase has a broad definition of what counts as a ride-hailing service. Which means this credit score shall be extra versatile for what you are promoting than the ride-hailing credit provided by different issuers, like American Specific.
• United journey credit score by way of automobile rental: Earn as much as $25 in United TravelBank money per eligible Avis/Finances rental when reserving by automobiles.united.com. This profit is restricted to 2 $25 United TravelBank credit per anniversary yr.
• JSX assertion credit score: Earn as much as $100 in assertion credit every anniversary yr when making JSX purchases instantly with the airline. JSX presents a semiprivate flying expertise at industrial fares, so it might be price exploring for a particular firm journey.
• Instacart+ membership and assertion credit: Obtain a complimentary Instacart+ membership for 3 months, then a 25% discounted annual plan. Cardholders also can earn as much as $10 per 30 days ($120 every calendar yr) in Instacart credit on purchases made with the United Enterprise Card. These advantages finish December 31, 2027.

General, the assertion credit and advantages are helpful however require monitoring and monitoring. The simplest assertion credit to make the most of are the ride-hailing credit score and the $125 United TravelBank money.

Companies will discover no worth within the JSX and Instacart credit if they don’t use these companies organically. Fortuitously, what you are promoting can nonetheless get optimistic worth from this card’s annual charge by its different advantages.

You may additionally get pleasure from the next extra advantages:

Enterprise homeowners who fly United usually will simply get sufficient worth from these advantages to justify paying the $150 annual charge. Nonetheless, this card would require additional effort and a focus to element to maintain observe of all its perks. If what you are promoting is on the lookout for a card that does not require a slate of month-to-month reminders, this is not the cardboard.

Associated: United Airways MileagePlus: Information to incomes and redeeming miles, elite standing and extra

The United Enterprise Card earns 5 miles per greenback spent on United fares and a couple of miles per greenback spent on the next purchases:

The bonus-earning for United Inns feels too restrictive for enterprise homeowners. Incomes 2 miles per greenback spent on any lodge buy could be extra helpful.

In line with TPG’s March 2025 valuations, you may get a 6.8% return on United purchases and a 2.7% return on different class spending. You may additionally earn 1 mile per greenback spent on all different eligible purchases, which is an roughly 1.4% return.

In comparison with the United Membership Enterprise Card, the United Enterprise Card earns a stronger 2 miles per greenback throughout key business-related bonus classes. Nonetheless, not all companies are alike, and a few could profit from the United Membership Enterprise Card’s 1.5 miles per greenback spent on all nonbonused spending.

Award charts nonetheless exist for utilizing United miles on companion airways — and there are some candy spots on these charts.

Chris Nelson, a bank cards author at TPG, loves United’s Excursionist Perk. He booked a round-trip ticket between the U.S. and Europe, flying from Chicago’s O’Hare Worldwide Airport (ORD) to Edinburgh Airport (EDI) in Scotland. He then flew to Adolfo Suárez Madrid-Barajas Airport (MAD) earlier than heading to Newark Liberty Worldwide Airport (EWR). The journey solely value him 60,000 United miles for the reason that Excursionist Perk let him fly free of charge between Edinburgh and Madrid.

You may typically get essentially the most worth out of your United miles while you use them to ebook flights. Different redemption choices embody:

• Safe a seat improve
• Buy inflight Wi-Fi
• Ebook lodge stays and automobile leases
• Buy merchandise and reward playing cards
• Entry once-in-a-lifetime occasions

You too can switch your United miles to Marriott Bonvoy at a 1:1 ratio.

Nonetheless, that is removed from essentially the most beneficial choice, so we advocate avoiding it except you’ll want to high off your Marriott Bonvoy stability for a particular redemption. You’ll be able to’t switch greater than 100,000 United miles to Marriott in a calendar yr, however that should not be a difficulty for many.

Associated: This is what it is best to know earlier than transferring Marriott factors to airline miles

If you wish to earn United miles on what you are promoting purchases, the United Enterprise Card has a number of notable opponents.

• If you need a private United card: The United℠ Explorer Card comes with the identical annual charge of $150 starting within the second yr ($0 introductory annual charge the primary yr), plus ride-hailing credit, a free checked bag and United TravelBank credit. If the United Enterprise’ bonus classes do not suit your wants otherwise you’re not invested in incomes extra PQPs, the Explorer Card is the proper different. To study extra, learn our full evaluation of the United Explorer Card.
• If you need extra advantages: The United Membership Enterprise Card has a considerably increased annual charge of $695 however higher United-related advantages, resembling a United Membership membership for the first cardholder, the power to earn United Membership All-Entry membership, two free checked luggage and a greater incomes fee for PQPs. To study extra, learn our comparability of the United Enterprise Card and the United Membership Enterprise Card.
• In the event you’re a United fan however need extra normal rewards: The Ink Enterprise Most well-liked® Credit score Card presents the power to earn beneficial Final Rewards factors on completely different enterprise bills. Your factors can then be transferred to a number of airline and lodge companions, together with United MileagePlus, or redeemed instantly for journey by Chase Journey℠. To study extra, learn our full evaluation of the Ink Enterprise Most well-liked.

For extra choices, take a look at our record of the finest enterprise bank cards.

Associated: 4 causes somebody in your loved ones wants a United bank card

The United Enterprise Card presents United Airways advantages and companion perks that enable the precise small-business homeowners, freelancers and aspect hustlers to justify the cardboard’s $150 annual charge. As a enterprise proprietor, if you cannot make the most of the cardboard’s perks or maximize the chance to earn United elite standing, you may be higher off with a extra normal enterprise bank card.

The United Enterprise Card supplies a number of methods to earn United journey credit and make progress towards United elite standing. The cardboard presents significant worth for some, however its steep annual charge and the hassle required to maximise its credit means it will not be proper for all companies.

If what you are promoting can naturally use the credit this card presents or is aiming towards United elite standing, this card is probably going a no brainer.

Apply right here: United Enterprise Card