United Club℠ Business Card

Chase Visa Signature Pending

Back Apply Now

0

Benefits

0

Reward Categories

—

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: united-club-business-card

Issuer: Chase

Card Name: United Club℠ Business Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 16:33

Last Scraped: Jan 15, 2026 16:35

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: 1.5x

Bonus Rate: 2x

Categories: 2x United Purchases, 1.5x All Other Purchases

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: United MileagePlus miles do not expire.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: N/A (Directly United MileagePlus Miles)

Redemption Penalties: No close-in booking or change fees for most awards; redeposit fees may apply for cancellations.

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: $85

Hotel Status: IHG One Rewards Platinum Elite

Sign-Up Bonus
PENDING

100,000

Points/Miles

Requirement: Spend $10,000 in 90 days

Timing: Bonus miles will typically post to your United MileagePlus account within 6 to 8 weeks after you meet the spending requirement. In practice, they often post with the statement closing date immediately following the date the spending requirement is met.

Fee Structure
PENDING
Annual Fee: $450.00
Year 1 Waived: No
Effective Annual Fee: $450.00
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% - 28.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
700 - 850
Excellent
Hard Pull Only
Application Process
Not Available
Not Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: To be eligible for the United Club Business Card in 2026, applicants must meet several key Chase and product-specific criteria. The primary application rule is the Chase 5/24 rule: applicants must have opened fewer than 5 personal credit card accounts across all issuers in the past 24 months. While Chase business cards typically do not add to an applicant's 5/24 count, an applicant must still be under 5/24 to be approved for a new Chase business card. Eligibility for the new cardmember bonus requires that the applicant does not currently hold the United Club Business Card and has not received a new cardmember bonus for this specific card in the past 24 months. Applicants must also operate a legitimate business (e.g., sole proprietorship, LLC, partnership, corporation) and possess an excellent personal credit score (typically 700+ FICO) with sufficient income to support the credit line.

Max Cards Per Issuer: 0

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS) activities, excessive credit card applications in a short period, high cumulative credit limit across all Chase accounts, frequent large cash advances, suspicious spending patterns (e.g., large purchases immediately followed by payments to free up credit), repeated late payments, defaulting on other Chase products, or misrepresenting business income/activity.

Cliff Effect Rules: The primary 'cliff effect' for this card is the bonus eligibility restriction: applicants are generally limited to earning one new cardmember bonus for the United Club Business Card every 24 months. This rule applies specifically to this product and does not typically prevent eligibility for other distinct United co-branded cards (e.g., United Explorer Business Card) as long as their individual bonus eligibility requirements are met.

Special Events: N/A

Holiday Promos: N/A

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.9 / 5.0

Top Positive:
Excellent for frequent United flyers due to United Club membership and Premier Access. Valuable travel perks like free checked bags and Global Entry credit. Good rewards on common business spending categories like dining and gas.

Top Negative:
High annual fee might not be worth it for infrequent travelers. Lounge access is limited to United Clubs, not broader networks like Priority Pass. Reward rate on general spending is only 1x.

Approval Experience: 85.0 / 100

Recommended Alternatives
  • Chase Sapphire Reserve
  • Ink Business Preferred Credit Card
  • American Express Business Platinum Card

Card Value Score: 88.0 / 100

Est. Annual Rewards: $2,062.00

Approval Probability: 65.0%

Version Control
PENDING

Version ID: v1.0