cc_advertiser_disclosure cc_editorial_disclosure
2f4559e9-ec54-463f-a2a2-40c399feb8de.png
United℠  Business
Score Needed: Good to Excellent
United℠  Business
At a glance
Welcome Offer

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Limited Time Offer
New Offer
All time high
Rewards

2X miles per $1 spent on dining, including eligible delivery services

2X miles per $1 spent at office supply stores

2X miles per $1 spent at gas stations

2X miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges

2X miles per $1 spent on dining, including eligible delivery services

2X miles per $1 spent at office supply stores

2X miles per $1 spent at gas stations

2X miles per $1 spent on purchases from United® including tickets, Economy Plus®, Inflight food, beverages, Wi-Fi and other United charges

1X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
21.99% - 28.99% Variable
Annual Fee
$0 for the first 12 months then $99
United℠  Business

The United℠ Business Card is your ultimate travel partner, offering 2 miles per $1 on United purchases, dining, and more. Enjoy perks like priority boarding and free checked bags, enhancing every journey. With no foreign transaction fees and lounge access, this card makes business travel rewarding and stress-free, turning every trip into a seamless experience.

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase
Credit Inquires
No items found at this time
Chase Bank will usually pull your Experian credit report.
Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.
Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.
Downgrade Options
Getting your card
Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Lost Luggage Insurance

Trip Delay Insurance

Luggage Delay Insurance

Free Baggage

Priority Boarding

Hotel Collection

Credits

$100 United Travel Credit

Earn a $100 United travel credit after 7 United flight purchases of $100 or more within each card anniversary year.

Miscellaneous Benefits

Visa Concierge

Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Trip Delay Insurance

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Cancellation Insurance

Trip Cancellation and Interruption

You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.

Hotel Collection

The Luxury Hotel & Resort Collection

This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.

Purchase Protection

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Priority Boarding

Priority Boarding

The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.

Lost Luggage Insurance

Lost Luggage Reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Free Baggage

Free first checked bag

The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free (up to $35 value, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .

Extended Warranty

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Credits

Earn Premier qualifying points (PQP)

Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your United℠  Business Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.

Credits

DoorDash

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

Luggage Delay Insurance

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Auto CDW Insurance

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

Extra Redemption Value

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Business Card.

Anniversary Bonus

5,000-mile better-together anniversary bonus

You'll receive 5,000 bonus miles each year on your United℠  Business Card anniversary when you have both the United℠  Business Card and a personal Chase United card.

Credits

2 United Club℠  one-time passes

after account opening and on each anniversary ' over a $100 value per year. For an updated status on United Club locations and any temporary closures, please visit .

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your United MileagePlus to any of the following Chase Travel Partners.
Points Transfer Partners
No transfer partners found
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee
2f4559e9-ec54-463f-a2a2-40c399feb8de.png
Upgrade Your Wallet!
United℠  Business Click learn more to see if you qualify

More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.