Why I added the United Business Card to my wallet — beyond ‘just’ the 150K bonus miles

Sep 13, 2021

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Update: Some offers mentioned below are no longer available. View the current offers here – United Business Card       

I’ve got a “healthy” number of rewards credit cards. In my wallet, you’ll find no-annual-fee cards, store cards, mid-tier cards, airline cards, hotel cards, transferable points cards, cash-back cards and premium credit cards. (And a nearly perfect credit score, just in case the previous sentence makes me sound ripe for a Dr. Phil-style intervention.)

But my wallet isn’t stale with the same card lineup year after year. It’s ever-evolving to keep up with new card products, cards that align with my current travel and spending needs, etc. So with a mountain of house-building expenses (including two home offices and miles of cabling!) that have yet to slow down, it was time to leverage our spending with another card — and welcome bonus.

My target this time: Earn 150,000 United MileagePlus miles from one bonus. Here’s how and why the newest card in my wallet is the United Business Card.

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It has a big fat bonus

I almost exclusively apply for new cards when a massive welcome bonus is involved, which immediately narrowed the field. TPG has a list of cards with bonuses worth $1,000 or more and bonuses of 100,000 points or more if you aren’t sure where to start looking for your next card.

The New United Quest Card with its 80,000-mile welcome bonus (after you spend $5,000 on purchases in the first 3 months.) was my original target, but I changed course to the United Business Card since I have an LLC and a few business credit cards. (Here’s more on what may qualify you for a small-business card.).

The more I looked at the card, the more it was an absolute no-brainer of choice for a frequent United traveler like me.

(Photo by John Gribben for The Points Guy)

First, it offers a sign-up bonus of up to 150,000 miles: 75,000 bonus miles after $5,000 on purchases in the first three months the account is open and an additional 75,000 bonus miles after spending a total of $20,000 on purchases in the first six months your account is open.

TPG values United miles at 1.3 cents each, which would mean the bonus is worth up to $1,950, which sounds about right since that’s more than enough miles for a round-trip business-class ticket with a lie-flat seat to Europe. Or, it’s a lot of 7,000-mile tickets to Florida. I know I can get solid value out of my United miles in a lot of different ways.

United Airlines Boeing 767-300 High J LAX JFK Zach Griff - 49Polaris
(Photo by Zach Griff/The Points Guy)

It will more than pay for itself each year

Honestly, they had me at 150,000 United miles, but there are other great perks that will likely keep this card in my wallet. For the $99 annual fee, it actually packs a lot of punch.

First, it awards a 5,000-mile bonus at each account anniversary if you also have a United personal card, which is pretty great since I do indeed have one of those.

It also comes with two United Club passes for each account anniversary. I received the first duo of electronic codes for lounge access before receiving my new physical credit card.

United Club. (Photo by Summer Hull/The Points Guy)

The 5,000 bonus miles and United Club passes alone can be valued higher than the $99 annual fee … but there’s actually more.

The United Business Card also comes with a $100 United travel credit after seven United purchases of $100 or more on the card each card anniversary year.

This is easier to qualify for than it seems, as the terms indicate that qualifying purchases don’t include just flights but also seat upgrades, Economy Plus seat fees, etc. Historically, at least a few times each year, I pay $100-plus to upgrade, so if I put those expenses here and use the card to book a few of my United flights, I should trigger that $100 credit.

Bottom line

Most of the card’s other benefits, such as travel protections, 25% back on United inflight purchases, waived first checked bag fee, priority boarding, expanded award availability, etc., I have duplicated with United status or on other cards. However, if you don’t have access to those perks elsewhere, then they would also confer value.

It’s possible to do a whole bunch of travel on 150,000 United miles — or really live it up on a flight or two at the lie-flat end of the plane.

But beyond this initial injection of miles, the United Business Card looks to be a great pairing for a United personal card, especially if you’re a United regular, like me.

Featured photo by Zach Griff/The Points Guy.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in the first three months of card membership. Offer ends 11/10/2021.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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