United Club℠ Business Card
Basic Information
Program ID: united-club-business-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/15/2026 16:33
Last Scraped: 01/15/2026 16:35
Fee Structure
| Annual Fee: | $450.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $450.00 |
| 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% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 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: $10,000.00
Time Period: 90 days
Bonus 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.
Rewards Program
Reward Type: United MileagePlus Miles
Base Reward Rate: 1.50%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x United Purchases, 1.5x All Other Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: United MileagePlus miles do not expire.
Transfer Partners: N/A (Directly United MileagePlus Miles)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
- Travel Insurance
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $85.00
- Hotel Status: IHG One Rewards Platinum Elite
Approval Criteria
Recommended FICO Range: 700 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
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.
Maximum Cards Per Issuer: 0
Minimum 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.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 120 months
Store vs Co-brand: 30% United / 70% General
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 65.0%
Terms Version Control
Version ID: v1.0