United℠ Business Card

Chase Visa Signature Pending

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0

Benefits

0

Reward Categories

—

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: united-business-card

Issuer: Chase

Card Name: United℠ Business Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:37

Last Scraped: Jan 15, 2026 15:38

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: United MileagePlus Miles

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x United Purchases, 2x Dining, 2x Gas Stations, 2x Office Supply Stores, 2x Local Transit & Commuting

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Points do not expire as long as account is active

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: Star Alliance Partners

Redemption Penalties: Generally none for most changes/cancellations; specific fare rules may apply.

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

100,000

Points/Miles

Requirement: Spend $20,000 in 180 days

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.

Fee Structure
PENDING
Annual Fee: $99.00
Year 1 Waived: No
Effective Annual Fee: $-1.00
Authorized User Fee: $0.00
Penalty APR: 0.00%
Min Interest Charge: $0.50
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
690 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 10

Min 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.

Cliff Effect Rules: Bonus eligibility for the United Business Card is subject to a product-specific rule: you are not eligible for the new cardmember bonus if you currently hold any United Business Card or have received a new cardmember bonus for this specific United Business Card product in the past 24 months.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong sign-up bonus, valuable United travel benefits like free checked bags and priority boarding, good for frequent United flyers.

Top Negative:
Annual fee, limited earning categories outside of United purchases, not ideal for non-United loyalists.

Approval Experience: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: January 2024

Last Updated: Jan 01, 2024 00:00