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 not less than a number of occasions a 12 months. The cardboard provides 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 whole bank card portfolio. The United Enterprise Card’s ongoing annual price rose to $150 (after the primary 12 months)*, however we additionally noticed the introduction of latest assertion credit and improve certificates to ease the sting. These advantages should not solely geared towards journey, so you will need to guarantee they suit your spending habits.
For the very best probabilities of approval, you will need a credit score rating of 670 or larger. In case you have a small enterprise and journey with United (even sometimes), you would possibly need to take into account making use of for the United Enterprise Card.
Listed here are all of the United Enterprise Card advantages you’ll want to find out about to determine if it is best for you.
*Now not out there.
United Enterprise Card professionals and cons
| Professionals | Cons |
|---|---|
|
|
United Enterprise Card welcome supply
Based mostly 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).
Each day Publication
Reward your inbox with the TPG Each day e-newsletter
Be part of over 700,000 readers for breaking information, in-depth guides and unique offers from TPG’s consultants
That is 25,000 miles larger than the usual supply, however not the very best supply we have seen. Nevertheless, it is nonetheless an awesome supply to contemplate when you’ve been eyeing this card.
You are not eligible for this welcome supply when you presently have or have had the United Enterprise Card and acquired a welcome bonus for it throughout 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The United Enterprise Card additionally doubtless falls beneath Chase’s unpublished 5/24 rule. In case you’ve opened 5 or extra private bank card accounts within the final 24 months, you won’t be permitted for it.
The data 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 supplied by the cardboard issuer.
Associated: Greatest bank card welcome provides
United Enterprise Card advantages
This card can definitely fulfill that want 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. In case you do not like gate-checking your carry-on as a result of the overhead house is full, this perk will aid you keep away from that.
- Two one-time United Membership passes annually: Observe that these can solely be utilized by the first cardmember, a certified person or a visitor touring with both kind 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.
- Financial system Plus seat upgrades: Earn two continental U.S. Financial 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 once you pay together with your United Enterprise Card.
Except for the United-related advantages, this card provides a set of assertion credit to assist offset its annual price. These credit will be helpful for enterprise house owners, however their usefulness relies upon completely in your spending habits and service provider preferences.
These assertion credit embody:
- As much as $100 United Resorts assertion credit score: Obtain $50 in assertion credit in your first and second pay as you go resort stays bought via United® Resorts utilizing your United Enterprise Card every anniversary 12 months.
- Experience-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. Which means this credit score shall be extra versatile for your small business than the ride-hailing credit provided by different issuers, like American Specific.
- United journey credit score through automotive rental: Earn as much as $25 in United TravelBank money per eligible Avis/Funds rental when reserving via automobiles.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 instantly with the airline. JSX provides 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 also 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 simplest 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. Thankfully, your small business can nonetheless get constructive worth from this card’s annual price via its different advantages.
You will additionally take pleasure in the next extra advantages:
Enterprise house owners who fly United commonly will simply get sufficient worth from these advantages to justify paying the $150 ongoing annual price. Nevertheless, this card would require further effort and a spotlight to element to maintain observe of all its perks.
If your small business 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 resort stays bought via United Resorts
- 2 miles per greenback spent on the next purchases: All different eligible United purchases, native transit and commuting, gasoline 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 Resorts feels too restrictive for enterprise house owners. Incomes 2 miles per greenback spent on any resort buy can be extra helpful.
Based on TPG’s July 2025 valuations, you will get a 9.1% return on United flights, a 6.5% return on United Resorts and a 2.6% return on different class spending. You will 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 the very best bank card for your small business bills
Redeeming and transferring miles on the United Enterprise Card
You should utilize United miles to ebook award journey on United, different Star Alliance airways and associate airways.
It is price noting that United makes use of dynamic award pricing moderately than award charts. Though this makes it harder to find out the worth of an award till you are able to ebook, dynamic pricing can result in cheap award flights in some conditions.
TPG bank cards author Chris Nelson loves reserving United economic 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 lately began path to Nuuk Worldwide Airport (GOH).
All of those flights are beneath seven hours, so he does not really feel the necessity for a lie-flat business-class seat, particularly if it is a daytime flight. Plus, he will get complimentary Financial system Plus further legroom seating from his standing.
You will typically get essentially the most worth out of your United miles once you use them to ebook flights. Different redemption choices embody:
- Safe a seat improve
- Buy inflight Wi-Fi
- E-book resort stays and automotive leases
- Buy merchandise and present playing cards
- Entry once-in-a-lifetime occasions
It’s also possible to switch your United miles to Marriott Bonvoy at a 1:1 ratio.
Nevertheless, that is removed from essentially the most priceless choice, so we suggest avoiding it except you’ll want to prime off your Marriott Bonvoy steadiness for a selected redemption. You’ll be able to’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: This is what it’s best to 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 small business purchases, the United Enterprise Card has just a few notable rivals.
- In order for you a private United card: The United℠ Explorer Card (see charges and charges) comes with an annual price of $150 starting within the second 12 months ($0 introductory annual price 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 proper different. To be taught extra, learn our full assessment of the United Explorer Card.
- In order for you extra advantages: The United Membership Enterprise Card has a considerably larger annual price of $695 however higher United-related advantages, equivalent to a United Membership membership for the first cardholder, the flexibility to earn a United Membership All-Entry membership, two free checked baggage and a greater incomes fee for PQPs. To be taught extra, learn our full assessment of the United Membership Enterprise Card.
- In case you’re a United fan however need extra common rewards: The Ink Enterprise Most popular® Credit score Card (see charges and charges) provides the flexibility to earn priceless Final Rewards factors on totally different enterprise bills. Your factors can then be transferred to a number of airline and resort companions, together with United MileagePlus, or redeemed instantly for journey via Chase Journey℠. To be taught extra, learn our full assessment of the Ink Enterprise Most popular.
For added choices, take a look at our record of the very 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 small business can naturally use the credit this card provides or is aiming towards United elite standing, this card is probably going a no brainer.
Apply right here: United Enterprise Card
