(EXPIRED) (Last Call) United Business card now offering 75K miles with fee waived for first year

Sorry, this deal is no longer available. Do you want to be alerted about new deals as they’re published? Click here to subscribe to Frequent Miler's Instant Posts by email.

Update 11/2/23: We’ve been informed that this increased United Business card offer will be removed by 6 PM EST on 11/8/2023. If you’re on the fence, now’s the time.

The Chase United Business card is out with a new, increased offer this week. We saw offers for more miles last year, but this new offer waives the annual fee in the first year and has a reasonable $5k minimum spend, which might make it more appealing depending on how you felt about the higher spend offers.

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.

Card Offer
50K Miles ⓘ Affiliate
50K miles after $5K spend in first 3 months.
$0 introductory annual fee for the first year, then $99
You are not eligible for the bonus if you have received the bonus on this card within the past 24 months. Please note that the United EXPLORER Business card (no longer available) is a different product and does not affect your ability to get the bonus on this card.
Recent better offer: Expired 11/9/22: 150K (75K after $5K spend in 3 months and another 75K after $20K total spend in six months)

Key Card Details

Card Name w Details No Review (no offer)
$0 introductory annual fee for the first year, then $99
Earning rate: 2X at restaurants including eligible delivery services , gas stations, and office supply stores ✦ 2X United ✦ 2X on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services
Base: 1X (1.3%)
Dine: 2X (2.6%)
Gas: 2X (2.6%)
Office: 2X (2.6%)
Other: 2X (2.6%)
Card Info: Visa Signature issued by Chase. This card has no foreign transaction fees.
Big spend bonus: $100 annual United travel credit after 7 United flight purchases greater than $100
Noteworthy perks: ✦ Improved economy saver award availability ✦ Unlocks complimentary elite upgrades on award tickets ✦ Free first checked bag ✦ Priority boarding ✦ No foreign exchange fees ✦ 2 United Club passes per year at anniversary ✦ Free DashPass for one year (must activate by 12/31/24) ✦ 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 as a statement credit on United in-flight and Club Premium drink purchases

Quick Thoughts

Chase added some new perks on this card when it replaced the United Mileage Plus Business Explorer card. Those 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

Having any personal Chase United card, including the annual-fee-free Chase United Gateway card should be enough to trigger the 5,000 bonus miles at anniversary, which helps toward mitigating the annual fee on this card.

United’s dynamic pricing model could actually help you stretch this offer pretty far if you’ve got cheap one-ways from your local airport. On the other hand, if you’re eligible for a Chase business card, I’d prioritize a fee-free Chase Ink Cash or Ink Unlimited card, both of which are currently offering 90K Ultimate Rewards points (which could be transferred to United or a more advantageous transfer partner if you have a premium Chase card).  Unfortunately, United got rid of its award chart in November 2019, so it is harder to count on consistent value out of United miles than it once was.

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 decent offer if you need United miles and the card makes for a good pair with a no-fee United personal card since the annual bonus miles reduce your effective cost per year while giving you the full benefits like a free checked bag. I don’t know whether we’ll see the 150K offer return, so it may be worth holding off if you feel bullish on that coming back and you can meet the larger spending requirement.

Want to learn more about miles and points? Subscribe to email updates or check out our podcast on your favorite podcast platform.
Notify of

This site uses Akismet to reduce spam. Learn how your comment data is processed.

oldest most voted
Inline Feedbacks
View all comments