United Business Card: Rewards and perks make up for the fees

For business owners using United Airlines, United℠ Business Card It's a practical and useful travel companion, with benefits that far outweigh the annual fee.

This card helps alleviate some of the common business travel headaches when flying with United Airlines, whether that be with checked or carry-on luggage, and perhaps most importantly, the bonus rewards categories on this card, compared to other airline credit cards, are extremely useful for business travel as well as everyday use, making it practical for the entrepreneurial type with a side hustle.

Still, compared to a general travel card that isn’t tied to a specific airline, you have limited flexibility in redeeming rewards.

Annual fee: $0 for the first year, then $99.

Sign-up bonus: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months after account opening.

• You'll earn 2 MileagePlus miles for every dollar you spend on United Airlines purchases, including airfare, baggage fees, seat upgrades, in-flight meals, drinks and Wi-Fi.

• Earn 2 miles per dollar spent on dining (including eligible delivery services), gas stations and office supply stores.

• 2 miles for every dollar spent on local transportation and commuting, including taxis, public transportation, toll roads and ride-sharing services.

• All other purchases earn 1 mile per dollar.

interest rate: The current APR is a variable APR ranging from 21.99% to 28.99%..

Foreign Transaction Fee: none.

• The first checked baggage for you and each guest in your booking is free.

• Two one-time United Club passes per year.

• If you have a personal United credit card, you'll receive 5,000 bonus miles every anniversary. United℠ Business Card.

• You'll receive a $100 annual United Airlines travel credit after you spend at least $100 on seven United Airlines flights.

• Earn 25% back on United Airlines in-flight purchases, including Wi-Fi, food and drinks.

Unlike other airline credit cards, United℠ Business Card In addition to earning 2x miles on airline purchases, you'll also earn 2x miles per dollar on other spending categories relevant to business owners.

This makes the card more valuable for everyday spending, and it may be the most useful combination of bonus categories you'll find on a major airline business credit card.

of United℠ Business Card Your first checked bag is free for each person you book with. That could save you up to $160 on a roundtrip ticket for you and one guest ($40 per person, each way, if you don't prepay for baggage). Terms apply. That's more than enough to cover the annual fee for the card.

Note: This benefit is only applicable if your ticket is paid for using the following methods: United℠ Business Card.

of United℠ Business Card Priority boarding allows you to board the plane earlier, so even if you don't have any checked bags, you can still board the plane while there is still space in the overhead compartment for your carry-on bags.

Sign-up bonuses are subject to change, but typically offer at least enough miles to buy a free domestic economy class flight.

Current bonuses: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months after account opening.

of United℠ Business Card Here are some other notable perks:

• Airport Lounge Pass: You get two free United Club passes per year, and since a day pass alone would normally cost $59, this perk alone more than makes up for the card's annual fee.

• Major rental car insurance: The rental fee is United℠ Business Card You can also decline the rental car company's coverage, but the coverage is primary, so it takes precedence over your own car insurance, which is a relatively rare perk.

• We will be offering refunds to loyal United Airlines fans. Another perk that could cover the annual fee is the $100 United Airlines travel credit you receive annually after you spend $100 or more on seven United Airlines flights: The card also offers 25% cash back on United in-flight purchases (such as Wi-Fi, food, and drinks).

of United℠ Business Card there is Free for the first year, then $99 The annual fee is standard for airline-affiliated business cards. United℠ Business Card The annual fee can easily be offset if you fly United Airlines, but those wanting a business travel card with no annual fee should considerBank of America® Business Advantage Travel Rewards World MasterCard® Credit Card.

Free checked baggage is available, United℠ Business CardIt is stingier than other major airline business credit cards, offering only two baggage fee waivers. Delta SkyMiles® Gold Business American Express CardIn comparison, Delta offers a free first bag for you and up to eight other passengers on your reservation (look Fees and charges).

Most travel and business credit cards (those without an airline name on them) allow you to redeem points for a variety of travel expenses. United℠ Business Cardyour best redemption options are award tickets and seat upgrades on United Airlines and Star Alliance partner airlines.

If you don't necessarily need a business credit card, here's a personal version of the mainstream United Airlines card: United℠ Explorer CardYou also earn double points on United Airlines purchases, but you also earn double points on restaurants and hotel stays. Free for the first year, then $95.

There are also some other perks beyond checked bags and priority boarding. For example, you get up to $100 credit if you sign up for the airport security programs Global Entry or TSA Precheck every four years. The business version does not include these perks. Also, personal cards generally offer more consumer protection than business credit cards. On the other hand, sign-up bonuses may change frequently, but business versions of the cards have higher bonuses and higher required spending. This may be a reason to have both a personal card and a business card. Another reason is that having both a personal United credit card and a business credit card gives you 5,000 bonus miles every anniversary. United℠ Business Card.

of United℠ Business Card United Airlines offers convenient perks and benefits for business travelers that can quickly recoup the annual fee.