United Business Card

United Business Card Review

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

Key Takeaways

• Earn 75,000 bonus miles after qualifying purchases Earn 75,000 bonus miles after qualifying purchases each anniversary when you have both the United Business Card and a personal Chase United® credit card.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 20.74% up to 27.74%.
• 5% Balance transfer fee. United Business 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.
• Multiple business credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of United Business Card

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 20.74% up to 27.74%. The card has a variable balance transfer APR that ranges from 20.74% up to 27.74%.

It also has a variable cash advance APR of 29.24%. 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.

What are the benefits?

This business credit card provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Fraud Liability
• Travel Accident Insurance
• Travel Assistance
• 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 United Business Card report your account activity to credit bureaus?

Yes, United Business 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 United Business Card website.
• 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.