What is the average credit score needed to get approved for the United℠ Business Card?

We could not find specific information on average credit scores for approval with this card. Typically, individuals with good to excellent credit scores of 690 or higher have an advantage with credit card approval.

Does United℠ Business Card report to all three credit bureaus?

Yes. United℠ Business Card reports to all three credit reporting agencies: TransUnion, Equifax and Experian.

Is the United℠ Business Card application process lengthy? Can you pre-qualify?

Candidates can complete the application process in minutes by filling out an online form. Pre-qualification is determined by the credit card issuer.

What information is needed to apply for United℠ Business Card?

Each applicant must provide personal and business information, including the authorizing officer title, full name, date of birth, mother’s maiden name and tax ID type and number. An applicant must also submit their address, email address, phone number, total gross annual income and legal business structure. Finally, each individual should provide their legal business name, DBA or assumed name, business description, tax ID type and number, number of employees, date of establishment and estimated monthly spending figure.

Does United℠ Business Card have good customer service or satisfaction?

Yes. Individuals can access Chase customer service via phone, mobile app and online. The company also received the second-highest rating in J.D. Power’s 2020 National Banking Satisfaction Study.

Does United℠ Business Card have a mobile app or the option to pay or manage your account online?

Yes. You can manage your account and pay your bills online or through the mobile app.

Does United℠ Business Card raise credit limits automatically or charge for limit increases?

Yes. Chase can choose to automatically raise credit limits . However, you can also request by calling the hotline. There is no charge for limit increases.

Does United℠ Business Card offer the option to freeze your credit/account or have other security features?

Yes. You can freeze your account through your online account.

Does Chase offer other credit cards besides United℠ Business Card?

Yes. There are various types of credit cards offered by Chase, including the Southwest Rapid Rewards Premier, Southwest Rapid Rewards Premier Business, United Explorer and Ink Business Preferred.

United℠ Business Credit Card Review

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The United℠ Business Card is a good option for business owners looking for a miles-earning credit card, generous bonuses and exclusive travel perks. Cardholders can compensate for its $99 annual fee and high APR by managing their spending and maximizing mileage programs and travel benefits. This card may also be ideal for individuals who commonly make international purchases, as it does not charge foreign transaction fees.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

United℠ Business Card at a Glance

Proper financial management and spending habits can help you maximize United℠ Business Card' benefits. Cardholders can earn miles as they spend on eligible purchases, accumulate points to redeem for payments and enjoy exclusive rewards. This credit card is a great tool for business transactions and purchases abroad for its 0% foreign transaction fee.

United℠ Business Card
A good miles-earning credit card with exclusive rewards and no foreign transaction fees.
- Good–ExcellentRecommended Credit
- $99Annual Fee
- 1–2 Miles per $1*Rewards Rate
- 2xRewards Rate on Air Travel
- 2xRewards Rate on Dining
Pros
No foreign transaction fees
Earn miles
Travel benefits
Strong welcome offer
Free employee cards

Cons
$99 annual fee
High APR
Only one free checked bag
Earn $100 United travel credit
25% back on United in-flight purchases
Anniversary bonus
Perks in over 1,000 luxury hotels and resorts worldwide, including room upgrades, complimentary breakfast for two, late checkout, early check-in and access to other amenities
Buy tickets to private events, such as celebrity meet-and-greets and sports events
United MileagePlus Cardmember Exclusives
Contactless payment
Rental Car Insurance
Baggage Delay Insurance
Lost Luggage Reimbursement
Trip Cancellation/Interruption Insurance
Trip Delay Reimbursement
Purchase Protection
Extend eligible U.S. manufacturer’s warranty by one additional year
Visa Concierge
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

Pros & Cons Explained

While the United℠ Business Card's benefits make it an appealing option, it may not be the best credit card for everyone. Carefully weigh your options by evaluating each card's pros and cons.

Pros

Benefits
Description
No Foreign Transaction Fees
International purchases do not include foreign transaction fees, making this credit card a strong option for business purchases abroad.
Earn Miles
Chase offers many opportunities to earn miles, including 2x per dollar spent on United in-flight purchases. Chase also offers double the miles for purchases at restaurants, gas stations and office supply stores. You can also earn 1x mile for every dollar spent on other eligible purchases.
Travel Benefits
Cardholders receive a free first checked bag. This applies to the primary cardholder and a companion on the same reservation. That means a cardholder can save up to $35 per first checked bag or a total of $140 per round trip. Other travel perks include priority boarding, two one-time United Club passes each anniversary and possible hotel and resort upgrades.
Welcome Offer
New cardholders can earn 75,000 after spending $5,000 on purchases in the first three months.
Employee Cards at No Additional Cost
Chase offers free employee cards. The miles earned using these additional cards will be reflected in your account and help you earn more rewards. Chase also allows cardholders to set up individual spending limits for every card.

Cons

Drawbacks
Description
A $99 Annual Fee
Cardholders must pay a $99 annual membership fee. Individuals who do not fly frequently or cannot maximize United℠ Business Card' benefits may find this fee expensive.
High APR
There is no introductory APR. The regular APR for purchases, loans and balance transfers is 20.74% – 27.74%. APR for cash advances is 29.24%, while the default APR for failure to make on-time minimum payments and returned payments reaches up to 29.99%. These rates are high, which can lead to large additional expenses.
Only One Free Checked Bag
The free checked bag only applies to the first standard checked bag. This feature only covers up to a $35 value.

LOOKING FOR THE BEST CREDIT CARDS OF 2022?

Despite United℠ Business Card' benefits, it does not rank among MoneyGeek’s selection of best credit cards for business. You may also want to consider other options for travel credit cards. Make sure you compare the features of each credit card to determine which one has the best offer for you.

Bonuses & Rewards Explained

When reviewing United℠ Business Card, consider its bonuses and rewards. These bonuses and rewards may balance out the $99 annual fee.

>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE

Welcome Bonuses

New cardholders can earn 75,000 bonus miles by spending $5,000 on purchases in the first three months.

Reward Program

Earn $100 in United travel credit if you make seven United flight purchases of $100 or more every card anniversary. You can also receive up to 25% back if you use this card to pay for United in-flight purchases.

Earning and Redeeming Miles

You can earn 2x miles for every dollar spent on United Airlines and local transit, along with restaurants, eligible delivery services, gas stations and office supply stores. Other eligible purchases will give you one mile per dollar. Cardholders also receive 5,000 bonus miles every anniversary if they also own a personal Chase United credit card.

Membership Program

Cardholders can also receive one-time United Club passes for two people on their anniversary. Using these, they can enjoy complimentary beverages, snacks and exclusive amenities worth over $100 . You can also buy tickets to exclusive events, such as celebrity meet-and-greets and private culinary or sports events. Cardholders may receive various perks at more than 1,000 luxury hotels and resorts all over the world, including room upgrades, complimentary daily breakfast, early check-in and other amenities. If you are a MileagePlus Visa Signature cardmember too, you can use your award miles to enjoy other exclusive experiences like winemaker dinners and virtual events.

Other Features Explained

Prospective United℠ Business Cardholders can start their research by exploring its features. In addition to the bonuses and rewards, this credit card comes equipped with security and customer support services.

Card Feature
Description
Additional Features
Cardholders can receive complimentary Visa Signature Concierge Service 24 hours a day to help find tickets to sports and entertainment events, make dinner reservations, and send gifts.
Security Protections
Cardholders enjoy various coverages and protections, including auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance, and purchase protection.
Customer Support
Clients can contact Chase customer service over the phone and online, along with its mobile app and social media. Chase received the second-highest rating in J.D. Power’s 2020 National Banking Satisfaction Study.

MONEYGEEK EXPERT TIP

Be smart about your credit card expenses. Maximize the United℠ Business Card's benefits by using it to pay for eligible purchases to earn more miles quickly. However, do not forget to consider the interest rates on purchases.

Understanding the Fine Print

If you're considering applying for Chase United Business, make sure to familiarize yourself with its features, rates and fees. Take note of the APR, transaction fees and reward rates.

Card Feature
Amount or Rate
APR
20.74% – 27.74% Variable
Annual Fee
$99
Cash Back Rewards
Rewards Rate
1–2 Miles per $1*
Airline Benefits
Rewards Rate on Groceries
1x
Rewards Rate on Gas
1x
Rewards Rate on Dining
2x
Rewards Rate on Entertainment
1x
Rewards Rate on Online Shopping
1x
Rewards Rate on TV, Phone, Internet Services
1x
Rewards Rate on Air Travel
2x
Rewards Rate at Hotels
1x
Balance Transfer Fee
$5 or 5%, whichever is greater
Balance Transfer APR
20.74% – 27.74% Variable
Late Fees
$40
Cash Advance Fee
$10 or 5%, whichever is greater
Cash Advance APR
29.24%
Foreign Transaction Fee
None

Annual Fee
This card carries a $99 annual fee. While some credit cards offer a $0 annual fee, maximizing United℠ Business Card' benefits can help even out this additional expense.
Transaction Fees
There is no foreign transaction fee. However, cardholders need to pay $5 or 5% for every balance transfer and $15 or 5% for each cash advance.
Regular APR
Purchases, loans and balance transfer APRs are between 20.74% – 27.74%. Its cash advance APR is 29.24%, while default APR can total up to 29.99%.
Rewards Rates
Cardholders can receive 2x miles for every dollar spent on United Airlines and local transit, along with at restaurants, gas stations and office supply stores. For other eligible purchases, individuals receive one mile per dollar spent.

FINDING YOUR CARD'S RATES AND FEES

Compare credit card features, bonuses, rewards, fees and rates to find the best option based on your financial situation and needs as a card user. To find specific information and data, check the card issuer’s website and the Consumer Financial Protection Bureau’s credit card agreement database. If you have other credit cards, check your latest billing statements, online account and mobile app to compare.

Who Should & Shouldn’t Consider United℠ Business Card?

Other Considerations for United℠ Business Card

Before filling out a United℠ Business Card application, figure out how you will be using the credit card. Will it be your only card or an additional credit card to complement other cards?

Things to Consider if This Will Be Your First or Only Credit Card

Using the United℠ Business Card as your first or only card requires you to be mindful of your finances. Given that it has no foreign transaction fees, you can easily use it for business purchases abroad. Cardholders can make eligible purchases to earn more miles, but they must also consider the high APR. Consider paying your monthly bills in full to prevent additional charges.

Things to Consider if This Will Be an Additional Card in Your Wallet

For the clearest picture of how this card will stack up against others in your wallet, compare and contrast their fees, features and rates. For instance, if your other cards have foreign transaction fees, United℠ Business Card may be best for your international purchases. You can also use miles rewards to pay for eligible purchases.

WHY TRUST OUR REVIEWS

MoneyGeek’s methodology and review process apply information from the Consumer Finance Protection Bureau’s database and credit card companies. To evaluate the credit cards, we consider standardized points based on fees, bonuses and rewards. For accuracy, MoneyGeek repeats this process regularly to reflect any changes to credit card details and offers.

How United℠ Business Card Compares to Other Cards

United℠ Business Card' benefits make it an appealing option for small business owners who travel often. Cardholders enjoy no foreign transaction fees and can easily earn miles. Additionally, the travel perks and benefits can make your trip feel like a vacation. However, it has a high APR, and similar cards offer more rewards and better perks.

In-Depth Credit Card Comparisons:

United℠ Business Card vs Delta SkyMiles® Gold Business American Express Card

Quick Comparison of United℠ Business Card

United℠ Business Card

Annual Fee: $99
Regular APR on Purchases: 20.74% – 27.74% Variable
Rewards Rate: 2x miles per $1 for eligible purchases on United, at gas stations, restaurants, office supply stores, on delivery services and local transit; 1x mile per dollar for other eligible purchases
Best For: Business owners who travel with United Airlines looking for a miles-earning credit card with multiple rewards and no foreign transaction fee

Capital One Spark Miles for Business

Annual Fee: $0 intro fee for one year, then $95 thereafter
Regular APR on Purchases: 25.24% Variable
Rewards Rate: 2x miles on every purchase
Best For: Business owners looking for hassle-free rewards programs and competitive rewards rates

Other Helpful Decision-Making Q&As

We've got answers to some of the most commonly asked questions about the United℠ Business Card. Consider this information to determine whether this card is right for you.

Still not sure about this card? Consider these options.

When looking for the best credit card, compare your options to weigh the pros and cons. Consider your needs as a credit card user and your financial situation. Frequent United Airlines travelers can benefit from this card and balance its annual fee, but if you think the United℠ Business Card is not for you, check out the best cash back cards or rewards credit cards.

View All Credit Cards

Learn more about credit cards in general

sources

CapitalOne. "Spark Miles." Accessed September 8, 2021.
Chase. "United Business Card." Accessed September 8, 2021.
Chase. "United Business Card Pricing & Terms." Accessed September 8, 2021.
Consumer Financial Protection Bureau. "Credit Card Agreement Database." Accessed September 8, 2021.
J.D. Power. "2020 U.S. National Banking Satisfaction Study." Accessed September 8, 2021.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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