CH
Chase

United℠ Business Card

75,000 Miles Bonus 0% Intro APR · 12 mo No Foreign Fees
$99 Annual Fee
19.99%–26.99% Variable Purchase APR
75,000 Welcome Bonus
740+ Recommended FICO
Miles Reward Type
Browse Cards › Chase › United℠ Business Card

Welcome Bonus

75,000 Miles
Welcome Bonus
Spend $5,000 in the first 90 days
Bonus Posted Within 6 to 8 weeks after meeting spend requirement

Rewards

Reward TypeMiles
Base Rate1x / 1%
Bonus RateUp to 2x
Point Value~0.01¢ each
ExpirationMiles do not expire
CategoryRateTypeCap
United Purchases 2x Miles No cap
Gas Stations 2x Miles No cap
Dining
Includes eligible delivery services.
2x Miles No cap
Local Transit and Commuting 2x Miles No cap
All Other Purchases 1x Miles No cap

Benefits & Protections

No Foreign Fees
Travel Insurance
Primary Rental Coverage
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
BenefitCategoryValue / Coverage
Inflight Purchase Statement Credit
Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights.
Credits 25% back
United Travel Credit
Receive a $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
Credits $100/year
Up to $100
Employee Cards
Get employee cards at no additional cost to help manage business spending and track expenses.
Financial Complimentary
No Foreign Transaction Fees
Make purchases abroad without incurring foreign transaction fees on any transactions.
Financial 0%
Year-End Summary
Receive an annual summary of your spending to help with budgeting, expense tracking, and tax preparation.
Financial Complimentary
Auto Rental Collision Damage Waiver
Provides primary coverage for theft and collision damage for most rental cars when rented for business purposes and charged to the card.
Insurance Up to actual cash value
Extended Warranty Protection
Extends the time period of the original manufacturer's warranty by an additional year on eligible warranties of three years or less.
Insurance Up to $10,000 per claim, $50,000 per account
Up to $10,000
Purchase Protection
Covers new purchases against damage or theft for 120 days from the purchase date.
Insurance Up to $10,000 per claim, $50,000 per account
Up to $10,000
Anniversary Bonus Miles (Cardholder Combo)
Earn 5,000 bonus miles each anniversary when you have both the United℠ Business Card and a personal United® credit card.
Rewards 5,000 miles/year
Dining Miles Earning
Earn 2 miles per $1 spent on dining, including eligible delivery services.
Rewards 2X miles
Gas Station Miles Earning
Earn 2 miles per $1 spent at gas stations.
Rewards 2X miles
Local Transit & Commuting Miles Earning
Earn 2 miles per $1 spent on local transit and commuting, including ride shares, taxis, tolls, and mass transit.
Rewards 2X miles
Other Purchases Miles Earning
Earn 1 mile per $1 spent on all other eligible purchases.
Rewards 1X mile
United Purchases Miles Earning
Earn 2 miles per $1 spent on purchases made directly with United, including tickets, inflight purchases, and United Club membership.
Rewards 2X miles
Welcome Offer Bonus Miles
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Rewards 75,000 bonus miles
Account Alerts
Set up alerts to monitor account activity, such as large purchases, payments due, or unusual transactions.
Security Complimentary
Fraud Protection
Chase monitors for suspicious activity and will notify you of potential fraud, helping to protect your business.
Security Complimentary
Zero Liability Protection
You won't be held responsible for unauthorized charges made with your card or account information.
Security Complimentary
Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier.
Travel Up to $100 per day for 3 days
Up to $300
Free First Checked Bag
The primary cardmember and one companion traveling on the same reservation get their first standard checked bag free on United-operated flights.
Travel Complimentary
Lost Luggage Reimbursement
Covers you and your immediate family for checked or carry-on baggage that is lost or damaged by the carrier.
Travel Up to $3,000 per passenger
Up to $3,000
Priority Boarding
The primary cardmember and companions on the same reservation receive priority boarding on United-operated flights.
Travel Complimentary
Roadside Assistance
Provides a referral service for roadside assistance, such as towing, jump-starting, or tire changing.
Travel Referral service
Travel and Emergency Assistance Services
Provides a referral service for medical, legal, and travel emergencies when you're away from home.
Travel Referral service
Trip Cancellation/Interruption Insurance
Reimburses you for non-refundable passenger fares if your trip is canceled or interrupted by a covered event.
Travel Up to $1,500 per person, $6,000 per trip
Up to $6,000
United Club One-Time Passes
Receive two one-time United Club passes each anniversary year, valid for access to United Club locations.
Travel 2 passes/year

Interest Rates

0%
Intro Purchase APR for 12 months
0%
Intro BT APR for 12 months
Purchase APR19.99%–26.99% Variable
Balance Transfer APR26.99%
Cash Advance APR29.99%
Penalty APR29.99%
Min. Interest Charge$1

Fees

Annual Fee $99
Authorized User FeeFree
Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance FeeEither $10 or 5% of the amount of each transaction, whichever is greater.
Late Payment FeeUp to $40
Returned Payment FeeUp to $40

Approval & Eligibility

740 Recommended minimum FICO · Range 740–850
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyDifficult
Credit ProfileExcellent
Approval OddsVery Good
Decision Time1-3 days
Pre-QualificationNot available
Student EligibleNo
Co-ApplicantNot allowed
Business EligibleYes
Credit Limit Range $5,000 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 5 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending, excessive credit cycling, bust-out behavior, rapid accumulation of credit, too many applications in a short period, defaulting on other Chase accounts
Cliff Effect Rules
The bonus for the United℠ Business Card is generally restricted to those who have not received a new cardmember bonus for this specific card product within the last 24 months. There are no known 'United family' bonus restrictions that block this card's bonus based on holding other United co-branded cards.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
Chase enforces a 5/24 rule, meaning applicants with 5 or more new personal credit card accounts opened in the last 24 months are typically denied for new Chase cards, including business cards. The welcome bonus for the United℠ Business Card is generally not available to current cardmembers of this specific card, or previous cardmembers who received a new cardmember bonus for this card within the past 24 months.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Chase
$99
Annual Fee
Apply Now
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Welcome Bonus 75,000 Miles
APR 19.99%–26.99% Variable
Quick Summary
Annual Fee $99
RewardsMiles
Welcome Bonus75,000 Miles
Intro APR0% · 12 mo
Foreign FeesNone
Min. FICO740+
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