United Enterprise Card overview
* Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The United Enterprise Card is a mid-tier card for small companies that use United for flights a minimum of a number of instances a 12 months. The cardboard presents perks like a free checked bag and inflight reductions on meals and drinks to assist companies save on ancillary flying charges.
In March, United refreshed its complete bank card portfolio. The United Enterprise Card’s ongoing annual payment rose to $150 (after the primary 12 months)*, however we additionally noticed the introduction of recent assertion credit and improve certificates to ease the sting. These advantages aren’t solely geared towards journey, so you may need to guarantee they suit your spending habits.
For one of the best probabilities of approval, you may desire a credit score rating of 670 or larger. You probably have a small enterprise and journey with United (even often), you would possibly need to think about making use of for the United Enterprise Card.
Listed here are all of the United Enterprise Card advantages you want to learn about to determine if it is best for you.
*Now not obtainable.
United Enterprise Card execs and cons
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United Enterprise Card welcome provide
Primarily based on TPG’s July 2025 valuations of United miles at 1.3 cents every, this bonus is price $1,300 (not together with the bonus PQPs).
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That is 25,000 miles larger than the usual provide, however not the best provide we have seen. Nonetheless, it is nonetheless an amazing provide to contemplate when you’ve been eyeing this card.
You are not eligible for this welcome provide when you at the moment have or have had the United Enterprise Card and acquired a welcome bonus for it inside the final 24 months.
Chase considers the United Enterprise Card a definite product from the United Membership℠ Enterprise Card and the no-longer-available United Explorer Enterprise Card. So, when you’ve got or beforehand had both of those playing cards, you are still eligible for the welcome bonus on the United Enterprise Card.
The United Enterprise Card additionally doubtless falls below Chase’s unpublished 5/24 rule. If you happen to’ve opened 5 or extra private bank card accounts within the final 24 months, you won’t be authorized for it.
The knowledge for the United Membership Enterprise and the United Explorer Enterprise has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Associated: Finest bank card welcome presents
United Enterprise Card advantages
This card can definitely fulfill that need with the next United-linked advantages:
- First checked bag free: Get the primary checked bag free as the first cardmember and for a companion touring on the identical reservation on United-operated flights.
- Precedence boarding: Get precedence boarding as the first cardmember and for a companion. If you happen to don’t love gate-checking your carry-on as a result of the overhead area is full, this perk will assist you to keep away from that.
- Two one-time United Membership passes every year: Be aware that these can solely be utilized by the first cardmember, a licensed person or a visitor touring with both sort of cardmember.
- FareLock assertion credit score: Earn as much as $25 in assertion credit yearly after buying FareLock for a United flight utilizing the United Enterprise Card.
- United journey credit score: Earn $125 in United TravelBank money after 5 $100-plus United flight purchases per calendar 12 months.
- Economic system Plus seat upgrades: Earn two continental U.S. Economic system Plus seat upgrades after spending $25,000 in a calendar 12 months.
- Low cost on United inflight purchases: Obtain 25% again as a press release credit score on eligible inflight United purchases while you pay along with your United Enterprise Card.
Apart from the United-related advantages, this card presents a set of assertion credit to assist offset its annual payment. These credit could be helpful for enterprise homeowners, however their usefulness relies upon solely in your spending habits and service provider preferences.
These assertion credit embrace:
- As much as $100 United Inns assertion credit score: Obtain $50 in assertion credit in your first and second pay as you go lodge stays bought by means of United® Inns utilizing your United Enterprise Card every anniversary 12 months.
- Journey-hailing credit score: Obtain as much as $8 every month (as much as $12 in December) in ride-hailing assertion credit for a complete of $100 every calendar 12 months. Yearly enrollment is required. Chase has a broad definition of what counts as a ride-hailing service. Meaning this credit score will probably be extra versatile for your enterprise than the ride-hailing credit provided by different issuers, like American Specific.
- United journey credit score by way of automotive rental: Earn as much as $25 in United TravelBank money per eligible Avis/Price range rental when reserving by means of vehicles.united.com. This profit is proscribed to 2 $25 United TravelBank credit per anniversary 12 months.
- JSX assertion credit score: Earn as much as $100 in assertion credit every anniversary 12 months when making JSX purchases immediately with the airline. JSX presents a semiprivate flying expertise at business fares, so it might be price exploring for a particular firm journey.
- Instacart+ membership and assertion credit: Obtain a complimentary Instacart+ membership for 3 months, then a 25% discounted annual plan. Cardholders may earn as much as $10 per thirty days ($120 every calendar 12 months) in Instacart credit on purchases made with the United Enterprise Card. (These advantages finish Dec. 31, 2027).
Total, the assertion credit and advantages are helpful however require monitoring and monitoring. The best assertion credit to make use of are the ride-hailing credit score and the $125 United TravelBank money.
Companies will discover no worth within the JSX and Instacart credit if they do not use these companies organically. Happily, your enterprise can nonetheless get constructive worth from this card’s annual payment by means of its different advantages.
You may additionally get pleasure from the next further advantages:
Enterprise homeowners who fly United recurrently will simply get sufficient worth from these advantages to justify paying the $150 ongoing annual payment. Nonetheless, this card would require additional effort and a focus to element to maintain observe of all its perks.
If your enterprise is in search of a card that does not require a slate of month-to-month reminders, this is not the cardboard.
Associated: United Airways MileagePlus: Information to incomes and redeeming miles, elite standing and extra
Incomes miles with the United Enterprise Card
The United Enterprise Card earns:
- 7 miles per greenback spent on United flights (5 miles from being a United MileagePlus member and a pair of miles from being a United Enterprise cardholder)
- 5 miles per greenback on lodge stays bought by means of United Inns
- 2 miles per greenback spent on the next purchases: All different eligible United purchases, native transit and commuting, fuel stations, workplace provide shops and eating places (together with eligible supply companies)
- 1 mile per greenback on all different purchases
The bonus-earning for United Inns feels too restrictive for enterprise homeowners. Incomes 2 miles per greenback spent on any lodge buy could be extra helpful.
Based on TPG’s July 2025 valuations, you may get a 9.1% return on United flights, a 6.5% return on United Inns and a 2.6% return on different class spending. You may additionally earn 1 mile per greenback spent on all different eligible purchases, which is a 1.3% return.
In comparison with the United Membership Enterprise Card, the United Enterprise Card earns a stronger 2 miles per greenback throughout key business-related bonus classes. Nonetheless, not all companies are alike, and a few might profit from the United Membership Enterprise Card’s 1.5 miles per greenback spent on all non-bonused spending.
Associated: How to decide on one of the best bank card for your enterprise bills
Redeeming and transferring miles on the United Enterprise Card
You should utilize United miles to e book award journey on United, different Star Alliance airways and accomplice airways.
It is price noting that United makes use of dynamic award pricing moderately than award charts. Though this makes it tougher to find out the value of an award till you are able to e book, dynamic pricing can result in cheap award flights in some conditions.
TPG bank cards author Chris Nelson loves reserving United financial system saver fares due to his United MileagePlus Premier standing. These flights begin from 24,600 miles one-way on medium-haul transatlantic hops from Newark Liberty Worldwide Airport (EWR) to European locations like Keflavik Airport (KEF), Edinburgh Airport (EDI) and the not too long ago began path to Nuuk Worldwide Airport (GOH).
All of those flights are below seven hours, so he would not really feel the necessity for a lie-flat business-class seat, particularly if it is a daytime flight. Plus, he will get complimentary Economic system Plus additional legroom seating from his standing.
You may typically get probably the most worth out of your United miles while you use them to e book flights. Different redemption choices embrace:
- Safe a seat improve
- Buy inflight Wi-Fi
- E book lodge stays and automotive leases
- Buy merchandise and reward playing cards
- Entry once-in-a-lifetime occasions
You may also switch your United miles to Marriott Bonvoy at a 1:1 ratio.
Nonetheless, that is removed from probably the most precious choice, so we suggest avoiding it except you want to prime off your Marriott Bonvoy steadiness for a selected redemption. You may’t switch greater than 200,000 United miles to Marriott in a calendar 12 months, however that should not be a difficulty for many.
Associated: Here is what you must know earlier than transferring Marriott factors to airline miles
Which playing cards compete with the United Enterprise Card?
If you wish to earn United miles on your enterprise purchases, the United Enterprise Card has just a few notable rivals.
- If you would like a private United card: The United℠ Explorer Card (see charges and charges) comes with an annual payment of $150 starting within the second 12 months ($0 introductory annual payment the primary 12 months), plus assertion credit and a free checked bag. If the United Enterprise’s bonus classes do not suit your wants otherwise you’re not invested in incomes extra PQPs, the United Explorer is the right different. To study extra, learn our full overview of the United Explorer Card.
- If you would like extra advantages: The United Membership Enterprise Card has a considerably larger annual payment of $695 however larger United-related advantages, corresponding to a United Membership membership for the first cardholder, the flexibility to earn a United Membership All-Entry membership, two free checked luggage and a greater incomes fee for PQPs. To study extra, learn our full overview of the United Membership Enterprise Card.
- If you happen to’re a United fan however need extra basic rewards: The Ink Enterprise Most well-liked® Credit score Card (see charges and charges) presents the flexibility to earn precious Final Rewards factors on totally different enterprise bills. Your factors can then be transferred to a number of airline and lodge companions, together with United MileagePlus, or redeemed immediately for journey by means of Chase Journey℠. To study extra, learn our full overview of the Ink Enterprise Most well-liked.
For added choices, try our record of one of the best enterprise bank cards.
Associated: 4 causes somebody in your loved ones wants a United bank card
Is the United Enterprise Card price it?
Backside line
If your enterprise can naturally use the credit this card presents or is aiming towards United elite standing, this card is probably going a no brainer.
Apply right here: United Enterprise Card
