SuperMoney
  Chase Bank USA United Business Credit Card

Chase Bank USA United Business Credit Card

in Business Credit Cards from Chase Bank

Claimed

Chase Bank USA United Business Credit Card

Claimed

in Business Credit Cards from Chase Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Chase Bank USA United Business Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 16.49% - 23.49%
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
  • Competitive APRs. Chase Bank USA United Business Credit Card has a variable purchase APR that ranges from 16.49% up to 23.49%.
  • 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
  • 75,000 bonus miles after you spend $5,000 on purchases within the first 3 months of account opening.*
  • 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.*
  • 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.*
  • Annual fee waived during the first year.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Chase Bank USA United Business Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $99
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.
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 16.49% up to 23.49%. 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 24.99%. 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.

Chase Bank USA United Business Credit Card Rates & Terms
Purchase APR 16.49% - 23.49%
Balance Transfer APR 16.49% - 23.49%
Cash Advance APR 24.99%
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 $39.
  • A returned payment fee of up to $39.

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.

Chase Bank USA United Business Credit Card Fees
Fees Amount
Annual Fee $99
Foreign Transaction Fee 0%
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does it offer a cash back 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:

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.
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.

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

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Chase Bank

Icon for Business Credit Cards
View all business credit cards offered by Chase Bank

Feature Breakdown

Foreign Currency Transaction Fee 0%
Minimum Interest Charge $0
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 20 days
Annual Fee $99
Cash Advance Fee (%) Starting at 5%
Cash Advance Fee Minimum $15
Late Fee Amount Up to $39
Minimum Cash Advance Fee ($) Starting at $15
Returned Payment Fee Up to $39
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Bonus Rewards 75,000 bonus miles after you spend $5,000 on purchases within the first 3 months of account opening. 5,000 better-together anniversary bonus miles when you have the UnitedSM Business Card and a personal United credit card.
Rewards Categories
  • Travel
Balance Computation Daily balance method (including new transactions).
Cash Advance APR (Variable APR) 24.99%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.49% - 23.49%
Balance Transfer Fee % 5%
Balance Transfer Fee % After Intro Period Starting at 5%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 16.49% - 23.49%
Card Network Visa
Card Type
  • Travel
  • Bonus Offers

Be the first to rate

 

Would you recommend Chase Bank USA United Business Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Business Credit Cards

Chase Bank Business Credit Cards

Loading...