Posted by William Charles on January 23, 2020
Credit Cards

Published on January 23rd, 2020 | by William Charles

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Chase Increases United Business Card Annual Fee To $99 (From ($95) & Adds 4 New Benefits (5,000 Mile Bonus, $100 Credit – Both With Requirements & More)

Update: This is actually a new card.

Chase has increased the annual fee on the United Business card to $99 (previously $95). They have also added four new benefits:

  • $100 annual United travel credit after 7 United purchases over $100
  • Receive 5,000 bonus miles each card anniversary when you have both the United Business card and a personal United credit card
  • Get 25% back on United inflight purchases
  • Earn 2 miles per $1 spent on local transit and commuting, including taxicabs, mass transit, tolls, and ride share services

I’m not sure why you’d ever really wanted both a personal and business United card, but there are undoubtedly people with both. The $100 travel credit is great for frequent flyers, but most readers probably don’t have seven United revenue flights annually. The other benefits are OK, but probably won’t be used much either. My gut reaction was that these were all huge positive benefits and for some this will be true but I think for the average cardholder you won’t really get much increased benefit. Obviously the annual fee has only been increased by $4, but you really need to determine if the card is worth keeping for $99 long term with all the benefits rather than if the marginal value has increased by more than $4. There is also an increased bonus of 100,000 points currently as well.



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Brian
Brian

Can the personal card be a no-fee MileagePlus Card? I still have one from an Explorer PC about a year ago.

CericRushmore
CericRushmore

Per the terms, yes:

Personal United credit cards include all United credit cards without the word “business” in the name that are issued by JPMorgan Chase Bank, N.A. Both credit card accounts must be open and not in default on the billing cycle end date after your account anniversary date for your United business credit card. Please allow up to 6 weeks after the month in which you qualify for the bonus miles to become available in your MileagePlus account.

Unclear to me when the new benefit starts though for existing United Business chardholders.

jeph36
jeph36

Nice, that is what I hoped when reading this. I was all set to dump the Biz card after my first year when the AF hits in a couple months, but now I will need to re-evaluate. Getting 5K bonus miles, 2 United Club passes (flying often thru O’Hare which has nothing for domestic Priority Pass), and a free checked bag (or even a free carry-on bag for basic economy) might very well be worth the $99/year.

john
john

literally on the same boat.

Rob
Rob

The no-AF personal United card with the Business card looks to be a good combo to get the 5K bonus miles for $99. If value 5K miles at $0.01, that is $50 (which brings AF to $49).

Radster
Radster

Previously on DoC a reader suggested Chase was introducing a small fee for the current no-fee card. Did you hear anything from Chase about this?

jeph36
jeph36

I do not recall reading that anywhere. I just looked at an online Dec 2019 statement and it did not have any info in there about adding an annual fee.
That is my only statement since Jan 2019 as I only spend on it when they have a good offer (Lowe’s 10% in this case). It is nice to have for bonus points on MPX and supposedly better award booking options, but IMO not worth paying for on its own.

Chucks
Chucks

The real high IQ posts are in the comments

C’mon cHaSe?
C’mon cHaSe?

I’m surprised Chase only raised it $4. With the butchering of the CSR, and the recent devaluations (with impunity it seems), holders of this card dodged a bullet here. Then again, they do still fly United, so…

Kurt A.
Kurt A.

As you are aware, the personal card now provides a Global Entry or TSA Precheck® fee credit. If you have a large family, then it is very useful for helping loved ones become a “trusted traveler” and all the benefits that come with it.

5,000 point bonus for holding both cards is a bit more advantageous now.

Also, both cards would yield four United Club lounge passes. Again, helpful for getting a large family in the lounge. We know how some love the lounges with an abundance of unsupervised kids. Mine are well behaved.

Dr Y
Dr Y

There is a new 75,000 miles bonus for 3,000 spend on the personal Club card in the United app, targeted

Rob
Rob

This is actually a separate product from United Explorer Business. It has existing Explorer benefits, plus the new ones they are adding. Users will be able to switch to this product by calling Chase.

https://www.chase.com/business/credit-cards/united-business-cards/united-business-card/earn-rewards

Mike P.
Mike P.

Looks like they dropped the “Explorer” product branding?

Sylvester
Sylvester

Still better than Hyatt’s Explorist… then again, Bonvoy takes the cake for most idiotic marketing decision ever.

BB
BB

Did this card used to have a global entry credit or is that just the personal Explorer?

Sexy_kitten7
Sexy_kitten7

“Receive 5,000 bonus miles each card anniversary when you have both the United Business card and a personal United credit card”

Wow! I think this is the first bonus of this type. Kinda encourages churning!

JL
JL

how does it encourage churning? this anniversary bonus encourages you to hold onto the card.

Sexy_kitten7
Sexy_kitten7

That’s a good point. It encourages you to get multiple and keep them open (as opposed to churning per se).

CongestionCharge
CongestionCharge

Chase already did similar with their UR trifecta.

Dick Bupkiss
Dick Bupkiss

Citi’s American Airlines card policy was kinda like that only more extreme, and look how well that worked out…

Ben
Ben

Agree, I’m shocked by this.

I always assumed that it would be suspicious to have both biz + personal of the same card – that it would ID you as a churner. Chase is saying, “naw, it’s cool.” Very un-Chase-like.

I know the UR trifecta generally means the more cards you have, the more valuable the ecosystem is, but this is a lot more explicit.

Anonny Mous
Anonny Mous

Why? You should actually have two if you fly for both business and personal travel, since business expenses should go on the business card and personal should not. Sounds like they are trying to encourage proper use of the products… and pocket an extra AF at the same time!

BB
BB

$100 travel credit seems misleading as terms appear to only include incidentals, not airfare: “United flight travel-related purchases include seat upgrades; Economy Plus®; inflight food, beverages and Wi-Fi; baggage service charges or other United fees.” I can’t see spending $100+ in one shot x7 on anything listed except maybe upgrades.

arshi007
arshi007

that’s a question i have been asking too but apparently all bloggers are too busy touting the benefits instead of actually researching and verifying this

gabe
gabe

Is this subject to the 5/24 rule?

Rob
Rob

Yes.

Glenn
Glenn

Presumably, but there *might* be a window.

Kathryn K.
Kathryn K.

United keeps up their streak of lame credit card benefits with these two new ones both applying in only very specific circumstances and not being very lucrative. And they wonder why people like the non co-branded Chase cards better…

Dave Black
Dave Black

Isn’t this a separate product?
Chase seems to have kept the united explorer business card as well, and keeping the fee on the business explorer at $95.
Am I wrong?

bambinone
bambinone

I think it’s a separate product but I’ve also read that it’s the same product and Chase is simply marketing it as a separate product. At any rate, it looks like Chase updated their site last night / this morning and you can no longer apply for the “old” MPE biz.

Dave Black
Dave Black

It seems they rebranded the old mileage plus biz, but you still can apply for this card and the United business explorer card

Aloha808
Aloha808

Between the 5k annual bonus miles, the 2 lounge passes, and free bags, this card’s a keeper now.

az
az

Its road assistant seems to be a big plus since all Amex cards removed premium road assistant.

Pahanin
Pahanin

Is Chase baiting people for some united shut downs

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