VisaUnited Business Card
The Explorer's business sibling, refreshed in 2025 with a deeper credit stack.
Welcome Bonus
100,000
≈$1,200 value
Spend Requirement
$5,000
in 3 months
Annual Fee
$150
No FTF
Credit Score
700+
(Good-Excellent)
Current offer note: + 2,000 PQP, and 10k more miles for adding an employee card
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 8xEligible United flights
- 2xOther United purchases, gas, dining, office supplies, local transit
- 1xAll other purchases
Credits ($495/yr stated)
- United travel credit$125
After 5 United flight purchases of $100+
- United Hotels credit$100
- Rideshare credit$100
Enrollment required
- Instacart credit$120
Monthly credits
- Avis and Budget rental credit$50
Benefits
- ✦Free first checked bag for you and a companion
- ✦2 United Club one-time passes per year
- ✦1,500 PQP bonus each year starting 2026
- ✦25% back on United inflight purchases
- ✦Does not appear on personal credit report
Why it earns its spot
- +100k offers are strong for a $150 fee
- +Credit stack can more than repay the fee for United regulars
- +Doesn't add to your 5/24 count
Where it costs you
- −Credits lean on enrollment and specific merchants
- −United miles are mid-tier in value
- −2x categories are unremarkable outside United spend
The Compound Verdict
The most sensible United card for a small business. The bag benefit and travel credit do the heavy lifting, and the recurring 100k offers are the real prize. Apply when the bonus spikes, not at the floor.
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