United℠ Business Card
Basic Information
Program ID: united-business-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 15:37
Last Scraped: 01/15/2026 15:38
Fee Structure
| Annual Fee: | $99.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-1.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $15 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 12 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100,000.00
Spending Requirement: $20,000.00
Time Period: 180 days
Bonus Timing: Typically within 6-8 weeks after meeting the spending requirements, but often posts sooner, sometimes within a few days of the statement closing date following the spend.
Rewards Program
Reward Type: United MileagePlus Miles
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x United Purchases, 2x Dining, 2x Gas Stations, 2x Office Supply Stores, 2x Local Transit & Commuting
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: Star Alliance Partners
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Eligibility for the United Business Card in 2026 requires applicants to have a legitimate business (sole proprietorship, LLC, partnership, etc.) and good to excellent personal credit. The primary application restriction is the Chase 5/24 Rule, meaning you will not be approved if you have opened 5 or more personal or business credit cards from any issuer in the past 24 months. Additionally, applicants are generally limited to one Chase business card approval every 30 days. Bonus eligibility typically requires meeting a specified spending threshold within the first 3 months of account opening. This product is not available to current cardmembers of any United Business Card, or previous cardmembers of any United Business Card who received a new cardmember bonus for this card in the past 24 months. While there isn't a strict published maximum number of cards per issuer, Chase considers overall credit exposure and application velocity.
Maximum Cards Per Issuer: 10
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across Chase accounts, rapid application for multiple cards (velocity), abuse of return policies, pattern of opening cards for bonuses and closing them quickly (churning), suspicious spending patterns inconsistent with business type, not meeting minimum spend on multiple cards, or bouncing payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Strong sign-up bonus, valuable United travel benefits like free checked bags and priority boarding, good for frequent United flyers.
Top Negative Feedback:
Annual fee, limited earning categories outside of United purchases, not ideal for non-United loyalists.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Chase Ink Business Preferred
- Southwest Rapid Rewards Performance Business Credit Card
- American Express Business Gold Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $1,485.00
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 75% General / 25% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: January 2024
Last Updated: 01/01/2024 00:00