CH
Chase

United Club℠ Business Card

75,000 Miles Bonus No Foreign Fees
$95 Annual Fee
19.99%–26.99% Variable Purchase APR
75,000 Welcome Bonus
740+ Recommended FICO
Miles Reward Type
Browse Cards › Chase › United Club℠ Business Card

Welcome Bonus

75,000 Miles
Welcome Bonus
Spend $5,000 in the first 90 days
Bonus Posted Within 6 to 8 weeks of 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
Dining 2x Miles No cap
Gas Stations 2x Miles No cap
Office Supply Stores 2x Miles No cap
All Other Purchases 1x Miles No cap

Benefits & Protections

No Foreign Fees
Airport Lounge
Travel Insurance
Primary Rental Coverage
Purchase Protection
Extended Warranty
Trip Delay Coverage
Lost Luggage Coverage
Concierge Service
Global Entry $100
TSA PreCheck $85
BenefitCategoryValue / Coverage
Global Entry/TSA PreCheck/NEXUS Credit
Receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck®, or NEXUS.
Credits Up to $100 every 4 years
Up to $100
Employee Cards
Get employee cards at no additional cost, allowing employees to make purchases and earn miles for the business.
Financial Complimentary
No Foreign Transaction Fees
Avoid extra charges when making purchases outside the U.S.
Financial 0%
Auto Rental Collision Damage Waiver
Provides secondary coverage for damage due to collision or theft for most rental cars when you decline the rental company's insurance and pay with your card.
Insurance Secondary coverage
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 year
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 year
Up to $10,000
Concierge Service
Access to a dedicated concierge service for assistance with travel, dining, entertainment, and more.
Lifestyle Complimentary
Everyday Purchases Miles
Earn 1.5 miles per $1 spent on all other eligible purchases.
Rewards 1.5x miles
United Purchases Bonus Miles
Earn 2 miles per $1 spent on purchases made with United, including tickets, in-flight purchases, and United Club membership.
Rewards 2x miles
Fraud Protection
Chase monitors for suspicious activity and will notify you of potential fraud.
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 a common carrier.
Travel Up to $100 per day for 3 days
Up to $300
Free Checked Bags
The primary cardholder and one companion traveling on the same reservation will receive their first two standard checked bags free on United-operated flights.
Travel Complimentary (up to 2 bags per person)
Hertz President's Circle Status
Enjoy complimentary Hertz President's Circle® status, offering benefits like guaranteed car upgrades, expedited service, and dedicated customer support.
Travel Complimentary
In-Flight Purchase Credit
Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi made on board United-operated flights.
Travel 25% back
Lost Luggage Reimbursement
Reimburses you for checked or carry-on baggage that is lost or damaged by the carrier, up to a specified amount per passenger.
Travel Up to $3,000 per passenger
Up to $3,000
Premier Access Travel Services
Enjoy priority check-in, security screening (where available), boarding, and baggage handling services on United-operated flights.
Travel Complimentary
Trip Cancellation/Interruption Insurance
Reimburses you for non-refundable passenger fares if your trip is canceled or interrupted by covered situations like sickness or severe weather.
Travel Up to $10,000 per person, $20,000 per trip
Up to $20,000
Trip Delay Reimbursement
If your common carrier travel is delayed for more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging.
Travel Up to $500 per ticket
Up to $500
United Club Membership
Complimentary United Club membership for the primary cardholder, offering access to United Club locations and participating Star Alliance™ affiliated lounges worldwide.
Travel Complimentary

Interest Rates

Purchase APR19.99%–26.99% Variable
Balance Transfer APR26.99%
Cash Advance APR29.99%
Penalty APR29.99%
Min. Interest Charge$1

Fees

Annual Fee $95
Authorized User FeeFree
Foreign Transaction FeeNone
Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance FeeEither $15 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 OddsExcellent
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 cash advances, too many applications in a short period, high credit utilization across all cards, suspected credit cycling, repeated bonus churning on the same card family
Cliff Effect Rules
Earning a new cardmember bonus for any United credit card prevents eligibility for another United credit card bonus for 24 months. Holding any United credit card also makes you ineligible for a new United card bonus.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
Chase enforces the 5/24 rule, meaning applicants with 5 or more new personal credit card accounts opened across all issuers in the past 24 months are typically denied. For this specific card, the welcome bonus is not available to current United credit cardmembers or previous United credit cardmembers who received a new cardmember bonus for any United credit card within the last 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
$95
Annual Fee
Apply Now
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Welcome Bonus 75,000 Miles
APR 19.99%–26.99% Variable
Quick Summary
Annual Fee $95
RewardsMiles
Welcome Bonus75,000 Miles
Foreign FeesNone
Min. FICO740+
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