United Enterprise Card overview: Full particulars

* Card ranking is predicated 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 at the least a number of occasions a yr. 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 total bank card portfolio. The United Enterprise Card’s ongoing annual charge rose to $150 (after the primary yr)*, however we additionally noticed the introduction of recent assertion credit and improve certificates to ease the sting. These advantages usually are not completely geared towards journey, so you will wish to guarantee they suit your spending habits.

For one of the best probabilities of approval, you will need a credit score rating of 670 or increased. If in case you have a small enterprise and journey with United (even often), you may wish to think about making use of for the United Enterprise Card.

Listed here are all of the United Enterprise Card advantages you should find out about to determine if it is best for you.

*Not out there.

United Enterprise Card execs and cons

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).

That is 25,000 miles increased than the usual provide, however not the very best provide we have seen. Nonetheless, it is nonetheless an ideal provide to think about should you’ve been eyeing this card.

You are not eligible for this welcome provide should you presently 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 have 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The United Enterprise Card additionally doubtless falls beneath Chase’s unpublished 5/24 rule.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 the event you’ve opened 5 or extra private bank card accounts within the final 24 months, you may not be authorized 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 offered by the cardboard issuer.

Associated: Finest 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 the event you don’t love gate-checking your carry-on as a result of the overhead house is full, this perk will provide help to keep away from that.
• Two one-time United Membership passes every year: Word that these can solely be utilized by the first cardmember, a licensed consumer 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 yr.
• Financial system Plus seat upgrades: Earn two continental U.S. Financial system Plus seat upgrades after spending $25,000 in a calendar yr.
• Low cost on United inflight purchases: Obtain 25% again as a press release credit score on eligible inflight United purchases whenever 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 charge. These credit could be helpful for enterprise homeowners, however their usefulness relies upon fully 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 United® Inns utilizing your United Enterprise Card every anniversary yr.
• 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 yr. Yearly enrollment is required. Chase has a broad definition of what counts as a ride-hailing service. Which means this credit score will likely be extra versatile for your small business than the ride-hailing credit provided by different issuers, like American Categorical.
• United journey credit score through automobile rental: Earn as much as $25 in United TravelBank money per eligible Avis/Funds rental when reserving by vehicles.united.com. This profit is restricted to 2 $25 United TravelBank credit per anniversary yr.
• JSX assertion credit score: Earn as much as $100 in assertion credit every anniversary yr when making JSX purchases straight with the airline. JSX provides a semiprivate flying expertise at business fares, so it could 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 30 days ($120 every calendar yr) in Instacart credit on purchases made with the United Enterprise Card. (These advantages finish Dec. 31, 2027).

General, 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 providers organically. Luckily, your small business can nonetheless get constructive worth from this card’s annual charge by its different advantages.

You will additionally take pleasure in the next extra advantages:

Enterprise homeowners who fly United frequently will simply get sufficient worth from these advantages to justify paying the $150 ongoing annual charge. Nonetheless, this card would require additional effort and a focus to element to maintain observe of all its perks.

If your small business is searching for 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

• 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 United Inns
• 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 providers)
• 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.

In response to TPG’s July 2025 valuations, you will 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 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 one of the best bank card for your small business bills

Redeeming and transferring miles on the United Enterprise Card

It is price noting that United makes use of dynamic award pricing somewhat than award charts. Though this makes it tougher to find out the value of an award till you are able to guide, 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 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 Financial system Plus additional legroom seating from his standing.

You will usually get probably the most worth out of your United miles whenever you use them to guide flights. Different redemption choices embrace:

• Safe a seat improve
• Buy inflight Wi-Fi
• E book lodge stays and automobile 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.

Nonetheless, that is removed from probably the most useful possibility, so we advocate avoiding it except you should prime off your Marriott Bonvoy stability for a selected redemption. You’ll be able to’t switch greater than 200,000 United miles to Marriott in a calendar yr, however that should not be a difficulty for many.

Associated: This is what you need to know earlier than transferring Marriott factors to airline miles

Which playing cards compete with the United Enterprise Card?

• If you would like a private United card: The United℠ Explorer Card (see charges and charges) comes with an annual charge of $150 starting within the second yr ($0 introductory annual charge the primary yr), 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 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 increased annual charge of $695 however better 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 luggage and a greater incomes fee for PQPs. To study extra, learn our full overview of the United Membership Enterprise Card.
• In the event you’re a United fan however need extra common rewards: The Ink Enterprise Most well-liked® Credit score Card (see charges and charges) provides the flexibility to earn useful Final Rewards factors on completely different enterprise bills. Your factors can then be transferred to a number of airline and lodge companions, together with United MileagePlus, or redeemed straight for journey by Chase Journey℠. To study extra, learn our full overview of the Ink Enterprise Most well-liked.

For extra choices, try our listing 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 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