New 100K United Business Card offer

There is a newly-increased welcome bonus offer available on the United℠ Business Card that can be highly valuable, offering enough miles to potentially fly partner business class one way to virtually any destination in the world (pending availability) and in most cases have miles left over. In fact, if you leverage the excursionist perk the way we’ve written about in the past (and indeed if you nested excursionist perk flights like Greg did), this could be enough mileage to put together quite a trip.

The Offer

Click the card name below to go to our dedicated Frequent Miler page for more information about this card and a link to apply.

Key Card Details

United℠ Business Card

Annual Fee: $99

Card Type: Visa Signature

Base
Dine
Gas
Office
Other

Earning rate: 2X at restaurants, gas stations, and office supply stores ⚬ 2X United ⚬ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services

Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100

Noteworthy perks: ⚬ Improved saver award availability ⚬ Last seat standard award availability ⚬ Free first checked bag ⚬ Priority boarding ⚬ No foreign exchange fees ⚬ 2 United Club passes per year at anniversary ⚬ Primary auto rental collision damage waiver ⚬ 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card. ⚬ 25% back on United in-flight purchases

Quick Thoughts

This card has now added some new perks on top of the perks of its predecessor, the United Mileage Plus Business Explorer card. New perks include:

  • 2x on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
  • $100 annual United travel credit after 7 United flight purchases greater than $100
  • 25% back on United in-flight purchases
  • 5,000 bonus miles at anniversary when you have this card and also a personal Chase United credit card

Those perks are in addition to the previous features of the United Business Explorer card. As I read the marketing material, I believe that having any personal Chase United card, including the annual-fee-free Chase United card (only available via downgrade from the personal Mileage Plus Explorer card) should be enough to trigger the 5,000 bonus miles at anniversary, which helps toward mitigating the annual fee on this card. The good news is that since this card is a new product, you will not be precluded from earning the bonus if you previously earned the bonus on the Business Explorer card. That means those who recently opened that card could potentially get another hundred thousand miles here if approved.

United’s newly-adopted more dynamic pricing model could actually help you stretch this offer pretty far if you’ve got cheap one-ways from your local airport. Even if you only got one cent per point in value, the welcome offer would be worth a thousand bucks. Of course, in many cases, you could do better. Unfortunately, United got rid of its award chart in November 2019. However, partner awards to most regions of the world should still be possible in business class for 100K or less (for example, partner business class awards to Europe should be 70K miles each way; to Asia 80K miles each way; etc). With the right partner redemptions, this bonus could be quite valuable.

Of course, as noted at the top, leveraging the Excursionist Perk, you could potentially do even better. For more on that, see these posts:

Keep in mind that this card is subject to the Chase 5/24 rule, so you will not be eligible if you have opened 5 or more personal cards in the past 24 months. However, this card will not add to your 5/24 count.

Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months.

To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely.
Chase 5/24 semantics ("Subject to" vs. "Count towards"): Most Chase cards are subject to the 5/24 rule. That means the rule is enforced in making approval decisions. In other words, you probably won't get approved if your credit report shows that you opened 5 or more cards in the past 24 months. Meanwhile, most business cards (such as those from Chase, Amex, Barclaycard, BOA, Citi, US Bank, and Wells Fargo) are not reported on your personal credit report. These cards do not count towards 5/24.

Example: Chase Ink Business Preferred is subject to 5/24, so you likely won't get approved if over 5/24. If you do get approved, it won't count towards 5/24 since it won't appear as an account on your credit report.

Furthermore, this is a business card. The good news is that many people have a business without realizing it.

Applying for Business Credit Cards

Yes, you have a business: In order to sign up for a business credit card, you must have a business. That said, it's common for people to have businesses without realizing it. If you sell items at a yard sale, or on eBay, for example, then you have a business. Similar examples include: consulting, writing (e.g. blog authorship, planning your first novel, etc.), handyman services, owning rental property, renting on airbnb, driving for Uber or Lyft, etc. In any of these cases, your business is considered a Sole Proprietorship unless you form a corporation of some sort.

When you apply for a business credit card as a sole proprietor, you can use your own name as your business name, use your own address and phone as the business' address and phone, and your social security number as the business' Tax ID / EIN. Alternatively, you can get a proper Tax ID / EIN from the IRS for free, in about a minute, through this website.

Is it OK to use business cards for personal expenses? Anecdotally, almost everyone I know uses business cards for personal expenses. That said, the terms in most business card applications state that you should use the card only for business use. Also, some consumer credit card protections do not apply to business cards. My advice: don't use the card for personal expenses if you're not comfortable doing so.

Overall, this is a great offer that is worth consideration if you’re in the market for a United card. We do not often see offers this large on airline credit cards apart from the Avios ecosystem, and those require twice the spend.

About Nick Reyes

Nick Reyes is a (fairly) regular guy with an animalistic passion for maximizing the value of miles and money to travel the world in comfort and style. There is little in life that he loves more than finding a fantastic deal and helping you shop smarter & harder to achieve your travel dreams.

More articles by Nick Reyes »

Regarding comments: Comments posted at the bottom of Frequent Miler pages and posts are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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FlyerDad
Guest
FlyerDad

Are there any limits as to how many Chase business cards one can hold? Thank you.

Teo
Guest
Teo

No bonus PQP earning with spend on this card

Zooter
Guest
Zooter

Will you be ineligible for a bonus if you got this card with an EIN 18 mo the ago and then apply now using SSN?

RaScalFlatts
Guest
RaScalFlatts

I just got this card with the $25K spend. Do you think that Chase would match it to the $10k spend?

Larry
Guest
Larry

Same here. I doubt they would do it but I might try to ask by secured message. I still have $12k left and it is going to be a stretch because I also am working on the cap one spark. I may need to try to get back to the money order game for a couple months.

Jeff
Guest
Jeff

What would be the best way to move from Chase Ink Business to this one? I opened the account less than 24 months ago but is the only one I have opened in the last 24 months.
Thanks,
Jeff

Rob
Guest
Rob

Any links still alive for the Explorer Business 100k offer? Would be nice to pick up both.

Eric
Guest
Eric

Is there a way to utilize these miles to redeem a first/busineses class flight on Korean Air or Asiana Air from the US to Incheon, South Korea?

AlexL
Guest
AlexL

I do not think you can use united miles for Korean Air since they are in two different alliances. (star alliance and skyteam) However, you can use united miles for Asiana, and it costs 80,000 united miles for Business one way, 120,000 united miles for first class one way.

CaveDweller
Guest
CaveDweller

First Chase United had the 65K card last month for anyone .Then I got 2 Chase Bank United points offers .Now other offes I Smell a Devalue coming but maybe a huge points sale the day before just to b United Nice..
CHEERs

Tri
Guest
Tri

Anyone know how long it take to see the increased award availability at United site after I got approved for the card.

CaveDweller
Guest
CaveDweller

As soon as it Showed UP in my Chase account online no card in my hand . But I want to book by Singapore points.
Good Luck !!
CHEERs

Jeff
Guest
Jeff

I closed this card a few months ago from one of my business, but I have another business as well. Do you think if I open this card up under my 2nd business, I would still be eligible for the welcome offer?

Jeff
Guest
Jeff

When you apply it says at the bottom if the website “A card product is available to you if you do not have that card and have not received a new Cardmember bonus for that card in the past 24 months.”

But your saying:
““The good news is that since this card is a new product, you will not be precluded from earning the bonus if you previously earned the bonus on the Business Explorer card. That means those who recently opened that card could potentially get another hundred thousand miles here if approved.””

Flyer
Guest
Flyer

I have purchased Basic Economy flights with the Personal MPE. If I get this card and cancel the MPE, would I still get priority boarding and full-size carry-on?

Bill Van Tuinen
Guest
Bill Van Tuinen

Just FYI in your Best Offers area it says if you’ve gotten the business explorer bonus in the last 24 months you won’t get the bonus for this one. From your comments below I do not think you believe that to be true? Might be part of the confusion.

Kim
Guest
Kim

I noted this as well; need to update the best offers part of the website right under the first year estimated value to reflect the correct name of this new product, which does NOT have the word “explorer” in its name.

Greg The Frequent Miler
Admin

Thank you (and Kim)! I’ve updated that section.