United Business Card
By Alex Compton · Last verified
The Explorer's business sibling, refreshed in 2025 with a deeper credit stack.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-04 | 100,000 | $5,000 in 3 mo | Bonus increased: 75,000 → 100,000+ 2,000 PQP | Archive record · no attached snapshot |
| 2026-02 | 75,000 | $5,000 in 3 mo | Bonus decreased: 95,000 → 75,000First-year fee waived era | Archive record · no attached snapshot |
| 2025-03 | 95,000 | $5,000 in 3 mo | Bonus increased: 75,000 → 95,000Refresh: $150 AF, new credit stack | Archive record · no attached snapshot |
| 2023-06 | 75,000 | $5,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2021-01 | 75,000 | $5,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 8xEligible United flightsIncludes base MileagePlus member earn
- 2xOther United purchases, gas, dining, office supplies, local transit
- 1xAll other purchases
Last Recorded Credits
- 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
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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