United℠ Business Card

Chase Visa Business Pending

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Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: united-business-card-new

Issuer: Chase

Card Name: United℠ Business Card

Card Type: Credit

Network: Visa

Card Tier: Business

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:31

Last Scraped: Jan 15, 2026 16:33

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

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Miles do not expire as long as your MileagePlus account is active (qualifying activity every 18 months).

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: Star Alliance Airlines (e.g., Lufthansa, Air Canada, Singapore Airlines, ANA) for award redemptions

Redemption Penalties: Close-in booking fees may apply for some award tickets, though many have been eliminated. Change/cancellation fees generally waived for most award tickets.

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

Global Entry Credit: $100

TSA PreCheck Credit: $100

Sign-Up Bonus
PENDING

75,000

Points/Miles

Requirement: Spend $5,000 in 90 days

Timing: Typically within 6-8 weeks after requirement is met.

Fee Structure
PENDING
Annual Fee: $99.00
Year 1 Waived: No
Effective Annual Fee: $99.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
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 $10 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: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 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: 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.

Max Cards Per Issuer: 7

Min 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.

Cliff Effect Rules: Bonus eligibility for the United Business Card is typically restricted to one bonus per specific product every 24 months. While there isn't a strict 'United family' rule preventing holding multiple United cards (e.g., a personal and a business card), the 24-month bonus rule applies to the individual product.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
Strong rewards for United Airlines loyalists, valuable travel benefits, and a competitive sign-up bonus.

Top Negative:
Annual fee may not be justified for infrequent United travelers, and rewards are primarily tied to United ecosystem.

Approval Experience: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0