United℠ Business Card
Basic Information
Program ID: united-business-card-new
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Business
Data Complete: Yes
Created: 01/15/2026 16:31
Last Scraped: 01/15/2026 16:33
Fee Structure
| Annual Fee: | $99.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $99.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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 $10 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: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 12 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $5,000.00
Time Period: 90 days
Bonus Timing: Typically within 6-8 weeks after requirement is met.
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
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles do not expire as long as your MileagePlus account is active (qualifying activity every 18 months).
Transfer Partners: Star Alliance Airlines (e.g., Lufthansa, Air Canada, Singapore Airlines, ANA) for award redemptions
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
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
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: For the United Business Card (new) in 2026, applicants must adhere to Chase's stringent application policies. The primary rule is the '5/24 Rule': applicants will generally not be approved if they have opened 5 or more personal credit card accounts (from any issuer) in the past 24 months. While Chase business cards do not count towards an applicant's 5/24 status, applicants are still subject to this rule for approval. Eligibility for the sign-up bonus typically requires that the applicant does not currently hold this specific card and has not received a new cardmember bonus for this product in the past 24 months. Applicants must operate an existing business (including sole proprietorships) with verifiable activity and income. A strong personal credit score (generally 700+ FICO) is required. Chase also considers total credit exposure across all existing Chase accounts; approvals may be denied if the cumulative credit limit is deemed too high, regardless of other eligibility.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) with unusual patterns or high volume, excessive credit limit across all Chase cards, frequent product changes or downgrades without significant card usage, abuse of return policies or chargebacks, rapid application velocity for multiple cards, suspicious account activity, or prolonged card dormancy after earning a bonus.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
Strong rewards for United Airlines loyalists, valuable travel benefits, and a competitive sign-up bonus.
Top Negative Feedback:
Annual fee may not be justified for infrequent United travelers, and rewards are primarily tied to United ecosystem.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Southwest Rapid Rewards Premier Business Card
- Chase Ink Business Preferred Credit Card
- Ink Business Unlimited Credit Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $900.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 70% General / 30% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0