Chase Bank USA United Business Credit Card
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| Purchase APR (Variable APR) | 18.74% - 25.74% |
| Balance Transfer APR (Variable APR) | 16.49% - 23.49% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $99 |
Chase Bank USA United Business Credit Card Review
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 25.74%.
- Annual fee waived the first year. Chase Bank USA United Business Credit Card gives you the chance to have the card for a year without paying the $99 annual fee.
- 5% Balance transfer fee. Chase Bank USA United Business Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Chase Bank USA United Business Credit Card
| The Good | The Bad |
|---|---|
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Chase Bank USA United Business Credit Card FAQ
Who is Chase Bank USA United Business Credit Card designed for?
This is a credit card issued by Chase Bank.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 18.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 16.49% up to 23.49%.
It also has a variable cash advance APR of 27.24%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business credit card does not offer an introductory rate on new purchases.| Purchase APR | 18.74% - 25.74% |
| Balance Transfer APR | 16.49% - 23.49% |
| Cash Advance APR | 27.24% |
| Penalty APR | 29.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $99.
- A late payment penalty of up to $40.
- A returned payment fee of up to $40.
Does it charge a foreign transaction fee?
This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
|---|---|
| Annual Fee | $99 |
| Foreign Transaction Fee | 0% |
| Balance Transfer Fee | 5% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $40 |
| Late Payment Fee | up to $40 |
Does it offer a cash back rewards program?
No, it does not offer a cash back rewards program.
- Advertising Services
- Airfare
- Amazon.com
- Car Rentals
- Internet, Cable and Phone Services
- Drug Stores
- Education
- Every Purchase
- Furniture
- Gas stations
- Groceries
- Gyms
- Home Improvement
- Hotels
- Insurance
- Office Supply Stores
- Restaurants
- Retail
- Shipping
- Software, Hardware, Cloud
- Utilities
- Warehouse Clubs
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
- Reports to major credit bureaus
What is the customer service phone number?
The customer service number for this business card is (877) 242-7372.
What is the support contact email?
The support contact email for this business credit card is customerdepartament@chase.com.
Does Chase Bank USA United Business Credit Card report your account activity to credit bureaus?
Yes, Chase Bank USA United Business Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the Chase Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Message From Chase Bank
Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 USA - (877) 242-7372
- Visit Site
- Email Support
Other Services by Chase Bank
View all business credit cards offered by Chase Bank
Availability
Available in 50 states and Washington, D.C.
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Foreign Currency Transaction Fee | 0% |
| Minimum Interest Charge | $0 |
| Annual Fee | $99 |
| Cash Advance Fee (%) | Starting at 5% |
| Cash Advance Fee Minimum | $15 |
| Late Fee Amount | Up to $40 |
| Minimum Cash Advance Fee ($) | Starting at $15 |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 20 days |
| Returned Payment Fee | Up to $40 |
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