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The United MileagePlus Business Credit Card offers a compelling proposition for frequent travelers and small business owners. This card, designed to cater to the needs of businesses, allows you to earn miles on your everyday purchases and redeem them for flights, upgrades, and other travel perks. Whether you’re a solo entrepreneur or a small business team, this card presents an opportunity to enhance your travel experiences and maximize your rewards.
The United MileagePlus Business Credit Card stands out with its enticing benefits, including the ability to earn bonus miles on United purchases, access to priority boarding, and free checked bags. The card also provides travel insurance, purchase protection, and other perks that can be invaluable for business travelers. Its rewards structure, coupled with its travel-focused benefits, makes it a compelling choice for those who prioritize travel and value the convenience of a business-oriented credit card.
Overview of the United MileagePlus Business Credit Card
The United MileagePlus Business Credit Card is designed for small business owners and entrepreneurs who frequently travel for work. It offers a range of benefits, including earning miles on business purchases, access to United Airlines perks, and travel insurance.
This card is ideal for business owners who prioritize earning miles for travel, especially on United Airlines. It’s also suitable for businesses that make significant purchases for travel-related expenses.
Annual Fee and Rewards Structure
The United MileagePlus Business Credit Card has an annual fee of $99. The card offers a generous rewards structure, allowing you to earn miles on eligible purchases:
- 2 miles per $1 spent on United Airlines purchases.
- 2 miles per $1 spent on eligible dining and hotel purchases.
- 1 mile per $1 spent on all other purchases.
In addition to earning miles, cardholders can enjoy various benefits, such as:
- Free checked bag for the primary cardholder and up to four companions on United flights.
- Priority boarding on United flights.
- Access to United Club lounges (with a fee).
- Travel insurance, including trip cancellation and baggage delay protection.
The card’s rewards structure is particularly attractive for businesses that frequently travel on United Airlines.
Earning Miles and Rewards
The United MileagePlus Business Credit Card offers various ways to earn miles, making it a rewarding option for frequent business travelers.
The card provides a straightforward earning structure, allowing you to accumulate miles quickly. You earn miles on every purchase, with bonus categories for specific spending types, and can redeem miles for travel and other benefits.
Earning Miles with Purchases
The United MileagePlus Business Credit Card rewards you for your everyday business expenses. Here’s how miles are earned:
- Earn 2 miles per $1 spent on United Airlines purchases. This includes flights, upgrades, and other services.
- Earn 2 miles per $1 spent on eligible gas, restaurant, and office supply purchases. This covers your essential business needs.
- Earn 1 mile per $1 spent on all other purchases. This ensures you earn miles on every transaction, even for everyday items.
Redeeming Miles
Once you’ve accumulated miles, you can redeem them for a variety of rewards. Here are some of the most popular redemption options:
- Award flights on United Airlines: This is the most common redemption option, allowing you to book flights with miles. You can use miles for domestic and international flights, including premium cabin seats.
- Upgrade awards: You can use miles to upgrade your existing United Airlines flights to a higher cabin class, such as from Economy to Business or First Class.
- Travel partners: You can redeem miles for flights on other airlines that are part of the United MileagePlus program, such as Lufthansa, Air Canada, and Singapore Airlines.
- Other travel benefits: You can use miles to redeem for hotel stays, car rentals, and other travel-related expenses.
- Merchandise and gift cards: You can also redeem miles for merchandise, gift cards, and other non-travel items.
Earning Potential Compared to Other United Cards
The United MileagePlus Business Card offers a competitive earning structure compared to other United-branded credit cards. Here’s a comparison:
| Card | United Airlines Purchases | Other Purchases |
|---|---|---|
| United MileagePlus Business Card | 2 miles per $1 | 1 mile per $1 |
| United MileagePlus Explorer Card | 2 miles per $1 | 1 mile per $1 |
| United MileagePlus Quicksilver Card | 1.5 miles per $1 | 1 mile per $1 |
As you can see, the United MileagePlus Business Card earns the same miles per dollar on United Airlines purchases as the Explorer Card, but it offers bonus miles on eligible gas, restaurant, and office supply purchases. This makes it a more rewarding option for business owners and professionals who spend money in these categories.
Travel Perks and Benefits
The United MileagePlus Business Credit Card offers a range of travel perks designed to enhance your business travel experience. From priority boarding to free checked bags, these benefits aim to simplify your journey and make your travels more enjoyable.
Travel Benefits, United mileageplus business credit card
The United MileagePlus Business Credit Card offers a variety of benefits to make your travels smoother and more convenient.
- Priority Boarding: Enjoy the convenience of boarding before other passengers, allowing you to settle in comfortably and avoid the rush.
- Free Checked Bags: Save on baggage fees by checking your first two bags for free on United Airlines flights.
- United Club Access: As a cardholder, you can access United Clubs worldwide, offering comfortable lounges with amenities such as complimentary food and beverages, Wi-Fi, and more.
- Global Entry/TSA PreCheck Statement Credit: Receive a statement credit for the application fee of Global Entry or TSA PreCheck, making it easier and more cost-effective to streamline your airport security experience.
Travel Insurance Coverage
The United MileagePlus Business Credit Card offers comprehensive travel insurance coverage to protect you against unexpected events during your trips.
| Coverage | Details |
|---|---|
| Trip Cancellation/Interruption Insurance | Provides reimbursement for prepaid, nonrefundable travel expenses if your trip is canceled or interrupted due to covered reasons, such as illness, injury, or weather events. |
| Baggage Delay Insurance | Offers coverage for essential items if your luggage is delayed for a certain period. |
| Lost/Stolen Baggage Insurance | Provides reimbursement for lost or stolen baggage during your trip. |
| Travel Accident Insurance | Offers coverage for accidental death or dismemberment while traveling. |
| Rental Car Collision/Loss Damage Waiver | Provides coverage for damage or theft of a rental car, potentially reducing your liability. |
Other Card Features
The United MileagePlus Business Card offers a range of features beyond earning miles and travel perks. These features aim to provide additional value to small business owners and help them manage their finances effectively.
Purchase Protection and Travel Accident Insurance
The card provides purchase protection and travel accident insurance, which can be valuable for business owners who frequently travel or make purchases for their businesses.
- Purchase Protection: This coverage protects your purchases against damage or theft for up to 90 days from the date of purchase, up to $10,000 per claim and $50,000 per year.
- Travel Accident Insurance: This insurance provides coverage for accidental death or dismemberment while traveling, up to $100,000.
Perks for Small Business Owners
The United MileagePlus Business Card offers several perks specifically designed for small business owners.
- Early Payment Discount: The card offers a 2% discount on your statement balance if you pay your balance in full by the due date. This feature can help small business owners save money on interest charges.
- Business Travel Services: The card provides access to a dedicated business travel portal that offers discounted rates on flights, hotels, and rental cars.
- Travel Expense Management Tools: The card offers online tools to track and manage business travel expenses.
Annual Fee Comparison
The United MileagePlus Business Card has an annual fee of $95. This fee is comparable to other premium business credit cards, which typically range from $95 to $150 per year.
- Chase Ink Business Preferred Credit Card: $95 annual fee, offering 3x points on travel, dining, and shipping purchases, along with a $100 bonus after spending $3,000 in the first 3 months.
- American Express Business Platinum Card: $595 annual fee, providing access to airport lounges, travel credits, and other premium benefits.
Application Process and Eligibility: United Mileageplus Business Credit Card
Applying for the United MileagePlus Business Credit Card is a straightforward process. You can apply online, over the phone, or by mail. To ensure a smooth application process, it’s essential to understand the eligibility criteria and gather necessary documentation.
The application process typically involves providing your personal and business information, including your name, address, Social Security number, business name, and annual revenue. You’ll also need to provide details about your business structure, such as sole proprietorship, partnership, or corporation.
Credit Score Requirements
The minimum credit score required for approval for the United MileagePlus Business Credit Card varies depending on your credit history and other factors. However, a good credit score, typically 670 or above, will significantly increase your chances of approval.
Documentation for Business Owners
To support your application, business owners will need to provide certain documentation, such as:
- A copy of your business license or registration.
- A recent bank statement or tax return.
- Your personal credit report.
This documentation helps verify your business’s legitimacy and financial stability, which are crucial factors in the approval process.
Customer Service and Support
The United MileagePlus Business Card offers a variety of customer service channels and resources to assist cardholders. Whether you have a question about your account, need to report a lost or stolen card, or require assistance with a dispute, the card issuer provides multiple avenues to reach their support team.
Customer Service Channels
The card issuer offers several ways for cardholders to reach customer service:
- Phone: You can call the customer service number listed on the back of your card or on the card issuer’s website. This is the most direct and often the quickest way to get assistance.
- Online: The card issuer provides a secure online portal where cardholders can access their account information, manage their rewards, and submit inquiries. You can also find answers to frequently asked questions (FAQs) on the website.
- Mail: For more complex issues or written correspondence, you can send a letter to the card issuer’s address, which can be found on your card statement or the website.
Dispute Resolution Process
The card issuer has a formal dispute resolution process for cardholders who believe they have been charged incorrectly or have experienced unauthorized transactions. The process typically involves contacting customer service to initiate a dispute, providing supporting documentation, and waiting for a resolution.
The card issuer’s dispute resolution process is designed to protect cardholders from fraudulent charges and other errors.
Customer Service Experience
Cardholders generally report positive experiences with the card issuer’s customer service. The team is known for being responsive, helpful, and efficient. However, as with any credit card issuer, there may be occasional delays or difficulties depending on the complexity of the issue and the volume of inquiries.
The card issuer’s customer service experience is generally considered to be on par with other United-branded credit cards.
Pros and Cons
The United MileagePlus Business Card offers a range of benefits, but it’s important to consider its drawbacks as well. This analysis will help you determine if this card is the right fit for your business needs.
Pros and Cons of the United MileagePlus Business Card
This table summarizes the key advantages and disadvantages of the United MileagePlus Business Card:
| Category | Pros | Cons |
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Drawbacks for Specific Business Owners
The United MileagePlus Business Card may not be suitable for all businesses. Consider these potential drawbacks:
- Businesses with low travel expenses: If your business doesn’t frequently travel, the rewards and benefits may not be valuable enough to justify the annual fee.
- Businesses that primarily make international purchases: The 3% foreign transaction fee can significantly increase the cost of international purchases.
- Businesses that prefer cash back rewards: If your business prioritizes cash back rewards, this card may not be the best option.
Alternatives and Comparisons
The United MileagePlus Business Card is a solid option for businesses that frequently travel on United Airlines. However, there are other business credit cards available that may offer better rewards or benefits depending on your company’s specific needs.
This section will explore other business credit cards that could be a better fit for your business and compare them to the United MileagePlus Business Card. We will also highlight key differences between the United MileagePlus Business Card and other popular options in the market.
Comparison with Similar Cards
This section will compare the United MileagePlus Business Card with similar cards from competitors. This will help you understand the benefits and drawbacks of each card and determine which one best suits your business needs.
- Chase Ink Business Preferred Credit Card: This card offers 3x points on travel, shipping, and dining purchases, as well as 1x point on all other purchases. It also provides a welcome bonus of 80,000 bonus points after spending $5,000 in the first 3 months of account opening. The Chase Ink Business Preferred Credit Card offers a more flexible rewards program, allowing you to redeem points for travel, cash back, gift cards, and more. However, it doesn’t offer the same travel benefits as the United MileagePlus Business Card, such as priority boarding or free checked bags.
- The Business Platinum Card® from American Express: This card provides 5x points on flights booked directly with airlines or on amextravel.com, 5x points on hotels booked directly with hotels or on amextravel.com, and 1x point on all other purchases. It also offers a welcome bonus of 100,000 bonus points after spending $10,000 in the first 6 months of account opening. The Business Platinum Card® from American Express provides access to airport lounges, travel insurance, and other benefits that can be valuable for frequent travelers. However, it has a higher annual fee than the United MileagePlus Business Card and doesn’t offer the same United Airlines-specific benefits.
- Capital One Venture X Rewards Credit Card: This card offers 2x miles on every purchase, including travel, dining, and groceries. It also provides a welcome bonus of 75,000 bonus miles after spending $4,000 in the first 3 months of account opening. The Capital One Venture X Rewards Credit Card offers a travel portal that allows you to book flights and hotels with miles, and it also provides access to airport lounges and travel insurance. However, it doesn’t offer the same United Airlines-specific benefits as the United MileagePlus Business Card.
Key Differences Table
This table will highlight the key differences between the United MileagePlus Business Card and other popular business credit cards.
| Feature | United MileagePlus Business Card | Chase Ink Business Preferred Credit Card | The Business Platinum Card® from American Express | Capital One Venture X Rewards Credit Card |
|---|---|---|---|---|
| Annual Fee | $99 | $95 | $695 | $395 |
| Welcome Bonus | 50,000 bonus miles after spending $2,500 in the first 3 months of account opening | 80,000 bonus points after spending $5,000 in the first 3 months of account opening | 100,000 bonus points after spending $10,000 in the first 6 months of account opening | 75,000 bonus miles after spending $4,000 in the first 3 months of account opening |
| Earning Rate | 2 miles per $1 spent on United Airlines purchases, 1 mile per $1 spent on all other purchases | 3x points on travel, shipping, and dining purchases, 1x point on all other purchases | 5x points on flights booked directly with airlines or on amextravel.com, 5x points on hotels booked directly with hotels or on amextravel.com, 1x point on all other purchases | 2x miles on every purchase |
| Travel Benefits | Priority boarding, free checked bags, United Club passes | None | Airport lounge access, travel insurance | Airport lounge access, travel insurance |
| Redemption Options | United Airlines flights, travel, merchandise, and more | Travel, cash back, gift cards, and more | Travel, merchandise, and more | Travel, cash back, and more |
Summary
In conclusion, the United MileagePlus Business Credit Card offers a unique combination of travel rewards, business perks, and valuable benefits. Whether you’re a seasoned traveler or a new business owner, this card provides an opportunity to earn valuable miles, enhance your travel experiences, and potentially save on your business expenses. However, it’s essential to consider your specific travel needs and spending habits before making a decision, as the annual fee and other card features might not be suitable for all businesses.
Questions Often Asked
What is the annual fee for the United MileagePlus Business Credit Card?
The annual fee for the United MileagePlus Business Credit Card varies depending on the specific card version. It’s recommended to check the current rates and fees directly on the United website or with a representative.
Are there any bonus categories for earning miles?
Yes, the United MileagePlus Business Credit Card often offers bonus categories for earning miles. These categories may vary over time, so it’s advisable to check the current bonus categories on the card’s website or with a customer service representative.
How can I redeem my earned miles?
You can redeem your earned miles for a variety of travel-related rewards, including flights, upgrades, and merchandise. The redemption options and their values can vary, so it’s essential to review the redemption options on the United website or with a representative.
What are the eligibility requirements for the United MileagePlus Business Credit Card?
To be eligible for the United MileagePlus Business Credit Card, you generally need to have a good credit history and meet the minimum credit score requirements. The specific eligibility criteria can vary, so it’s advisable to check with the issuer for the most up-to-date information.
