Chase Bank USA United Business Credit Card

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

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.

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 offer a cash back or 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

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.