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Last Updated: 05/14/2026

Chase Bank USA United Business Credit Card

from Chase Bank

Last Updated: 05/14/2026
Chase Bank USA United Business Credit Card logo
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Highlights

Purchase APR (Variable APR)

18.74% - 25.74%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)

16.49% - 23.49%(Verified 06/21/2024)
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Annual Fee

$99

Credit Score Range

650 - 850

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Chase Bank USA United Business Credit Card Review

This is a card issued by Chase Bank. If you're wondering whether Chase Bank USA United Business Credit Card is the right card for you, read on.

Key Takeaways

  • APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.74% up to 25.74%.
  • $0 intro annual fee for 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.
  • A 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 you have a fair credit score or better.

Pros & Cons of Chase Bank USA United Business Credit Card

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 card does not offer an introductory rate on new purchases.

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.

Does it offer a cash back or rewards program?

No, it does not offer a cash back rewards program.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

    SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Chase Bank USA United Business Credit Card logo

    Message from Chase Bank USA United Business Credit Card

    Earn up to 150,000 bonus miles. Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.*Same page link to Offer Details Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases made in the first 6 months your account is open. This bonus offer is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months. Earn 2x miles on United Airlines purchases, and select categories. 2x miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges. 2x miles per $1 spent on dining, including eligible delivery services. 2x miles per $1 spent at gas stations, office supply stores, and on local transit and commuting. 1x mile per $1 spent on all other purchases. Free first checked bag – save up to $140 per roundtrip. The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free – calculated as up to a $35 value for the first checked bag, each way, per person – on United-operated flights when purchasing tickets with their United Business Card. Even more travel benefits for you to enjoy
    Earn a $100 United travel credit after qualifying flight purchases. 5,000 better-together anniversary bonus miles when you have the UnitedSM Business Card and a personal United credit card. 25% back on United inflight purchases. Priority boarding - board United-operated flights prior to general boarding. Employee cards at no additional cost. Miles earned from their purchases accrue in your account so you can earn rewards faster. Plus, you can set up individual spending limits for each card.

    Contact

    Headquarters

    270 Park Avenue
    New York, NY 10017
    Visit Site
    Email Support

    Hours of Operation

    SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 6:00PMSaturday9:00AM - 1:00PM

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    SuperMoney Net Recommendation Score

    This product has no reviews yet. Help others by sharing your thoughts.

    0

    -1000+100
    No one recommends
    Everyone recommends
    The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

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