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United Business Card

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Highlights
Purchase APR  (Variable APR) 20.74% - 27.74%
(Verified 01/18/2023)
Balance Transfer APR  (Variable APR) 20.74% - 27.74%
(Verified 01/18/2023)
Credit Score Range 650 - 850
Annual Fee $99

United Business Card Review

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 rental insurance, airline credit, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, 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

The Good The Bad
  • Earn a $100 United travel credit after 7 United flight purchases of $100 or more within each card anniversary year.
  • $0 introductory annual fee for the first year, then $99.
  • Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Multiple business credit card perks.
  • Airline Credit.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • United Business Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99
  • Does not offer rewards or cash back.
  • Charges a 5% balance transfer fee.

United Business Card FAQ

Who is United Business 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 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.

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.

United Business Card Rates & Terms
Purchase APR 20.74% - 27.74%
Balance Transfer APR 20.74% - 27.74%
Cash Advance APR 29.24%
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.

United Business Card Fees
Fees Amount
Annual Fee $99
Foreign Transaction Fee 0%
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $5
Returned Payment Fee $40
Late Payment Fee $40

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:

  • 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:

  • 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 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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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.

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

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Annual Fee $99
Cash Advance Fee (%) Up to 5%
Cash Advance Fee Minimum $15
Foreign Currency Transaction Fee 0%
Late Fee Amount $40
Minimum Cash Advance Fee ($) $15
Minimum Interest Charge $0
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 20 days
Returned Payment Fee $40
Customer Type Business
Minimum Age 18
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
  • Airline Credit
Bonus Offer 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.
Bonus Rewards Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Rewards Categories
  • 2x Miles on Travel
  • 2x Miles on Airfare
  • 2x Miles on Gas
  • 2x Miles on Office Supplies
  • 2x Miles on Restaurants
  • 1x Mile on Every Purchase
  • 2x Miles on Transit
Signup Bonus (points) 75,000
APR Type Variable APR
Balance Computation daily balance method (including new transactions)
Cash Advance APR (Variable APR) 29.24%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 20.74% - 27.74%
(Verified 01/18/2023)
Balance Transfer Fee % 5%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 20.74% - 27.74%
(Verified 01/18/2023)
Card Network Visa
Card Type
  • Travel
  • Airline

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