United Mileage Plus Platinum Business Card

17,500 Bonus Miles after the First Purchase 2 Miles for Every $1 Spent on United Purchases 1 Mile for Every $1 Spent on All Other Purchases Free One-Way, 1,000 Mile, One-Class Upgrade Certificate $25 United Discount Travel Certificate Earn Bonus Miles at Participating Restaurants Nationwide Earn Up To 150,000 Miles Per Calendar Year Up To $1,000,000 in Travel Accident Insurance

United Mileage Plus Platinum Business Card Review

The United Mileage Plus Platinum Business Card, issued by Chase, is designed for business owners who have very good credit and frequently travel with United.

Through the reward program, cardholders earn two miles per dollar spent on purchases from United and one mile per dollar spent on all other purchases. Cardholders receive 17,500 bonus miles after their first purchase, and additional miles can be earned through participating restaurants. Cardholders also receive a $25 United discount travel certificate and a free one-way, 1,000 mile, one-class upgrade certificate after their first purchase.

There is a limit of 150,000 miles that can be earned per year. However, those who are Mileage Plus Premier, Premier Executive, or Premier Executiv 1K members are exempt from mileage limitations. Earned miles do not expire as long as the cardmember earns or redeems miles at least once every three years.

The United Mileage Plus Platinum Business Card has a slightly high annual fee of $75 for the primary cardholder and $25 for each additional cardholder. It also has a high interest rate for purchases and balance transfers for a business card (although the rate is just above average for a reward card).

Those who plan to occasionally carry a large revolving balance may find doing so costly due to the "Two Cycles Average Daily Balance" method used by this credit card to determine finance charges, which ends up costing more to maintain an occasional balance as compared to the "Average Daily Balance" method used by many credit card issuers.

A variety of platinum business cardholder features can be found with this card, such as auto rental insurance, up to $1,000,000 in travel accident insurance, and up to $3,000 in lost luggage insurance.

Therefore, those who plan to pay in full each month (to avoid costly finance charges), frequently fly with United to take advantage of the reward program, and would like the additional travel services and discount certificates will benefit most from what the United Mileage Plus Platinum Business Card has to offer.