So I will bite on business, I have been looking around on the internet and it seems like pretty much the same thing... as you said too, first does appear almost too private. Great advice.

Now where to go from here.. as you said my chase points apparently wont go through to US, so I guess it's pretty much United with them.

I don't really want to open another credit card...

any ideas on what business upgrades are from united since I have like 100,000 points to use?