The United Business Credit Card offers a range of benefits tailored to frequent travelers and business owners. New cardmembers can earn 75,000 bonus miles after qualifying purchases. The card provides 2x miles on United purchases, dining, gas stations, office supply stores, and local transit and commuting. Additional perks include a free first checked bag, priority boarding, and two United Club one-time passes per year. The annual fee is waived for the first year and then is $99. The variable APR ranges from 21.99% to 28.99%.
Features
75,000 Bonus Miles. New cardmembers earn 75,000 bonus miles after spending $5,000 on purchases in the first 3 months.
Earning Miles. Earn 2x miles on United purchases, dining, gas stations, office supply stores, and local transit/commuting.
United Club Passes. Receive two United Club one-time passes per year for access to airport lounges.
Free Checked Bag. The primary cardmember and one companion can each check their first bag for free on United flights.
Priority Boarding. Cardmembers and their companions on the same reservation are invited to board United-operated flights before general boarding.
United Travel Credit. Earn a $100 United travel credit after seven United flight purchases of $100 or more each card anniversary year.
Anniversary Bonus Miles. Earn 5,000 bonus miles each year when you also have a personal United credit card.
Pros and Cons
Pros
Premier Qualifying Points. Earn up to 1,000 Premier qualifying points towards United MileagePlus Premier status.
In-flight Purchase Discounts. Receive 25% back on United in-flight and Club premium drink purchases.
Employee Cards. Obtain employee cards at no additional cost, with the ability to set individual spending limits.
Cons
Annual Fee. After the first year, the card incurs an annual fee of $99. This fee may be a deterrent for those who do not travel frequently enough to justify the cost.
High APR. The variable APR ranges from 21.99% to 28.99%, depending on creditworthiness. High interest rates can lead to substantial finance charges if the card balance is not paid in full each month.
Limited to United Airlines. The card’s benefits and rewards are primarily focused on United Airlines. This limits the card's appeal to those who prefer or require flexibility with other airlines.
How to Apply for an United Business Credit Card
Online
Explore Credit Card Options. Browse through the available credit card options to find the United Business Credit Card. Click on the card to access more details.
Review Card Details. Take your time to review the features, benefits, and terms of the United Business Credit Card to ensure it meets your needs.
Initiate Application. Look for the "Apply Now" button to start the application process. Click on it to proceed.
Fill Out Application Form. Complete the online application form with accurate personal, financial, and contact information as required. Ensure all fields are filled correctly.
Submit Application. After filling out the form, review the information provided to avoid any errors. Once satisfied, submit your application.
Wait for Approval. After submission, the bank will review your application. You may receive an instant decision or have to wait a few days for a response.
Receive Card. If approved, your United Business Credit Card will be mailed to the address provided during the application process.
Mobile App
Log In or Register. Open the Chase mobile app and log in to your existing online banking account. If you're a new user, you may need to register for mobile banking by providing your account details and creating login credentials.
Navigate to Credit Cards. Once logged in, navigate to the section of the app dedicated to credit cards or banking products. This may be accessible from the main menu or homepage.
Find United Business Card. Look for the United Business Credit Card among the available options. Tap on the card to view more details.
Start Application. Locate the option to apply for the United Business Credit Card within the app. It may be labeled as "Apply Now" or something similar. Tap on it to initiate the application process.
Complete Application Form. Fill out the application form provided in the app with accurate information, including personal, financial, and contact details. Double-check for accuracy before proceeding.
Submit Application. After completing the form, review the information provided to ensure accuracy. Once verified, submit your application through the mobile app.
Wait for Response. The bank will review your application. Depending on their process, you may receive an instant decision or have to wait for a few days to receive a response.
Receive Confirmation. If approved, you'll receive confirmation within the app or via email. Your United Business Credit Card will be mailed to the address provided during the application process.
In Bank's Office
Research and Preparation. Begin by researching the various credit cards offered by Chase to determine which best suits your needs and preferences. Consider factors such as rewards, interest rates, annual fees, and benefits.
Gather Necessary Documents. Collect all required documents, such as a valid photo ID (e.g., driver's license or passport), Social Security number, proof of income (e.g., pay stubs or tax returns), and any other relevant financial information.
Visit a Chase Branch. Locate the nearest Chase branch by using the Chase website or mobile app. Plan your visit during the branch’s operating hours.
Meet with a Chase Representative. Once at the branch, request to speak with a representative about applying for a credit card. The representative will guide you through the process, answer any questions, and provide you with the necessary forms.
Complete the Application Form. Fill out the application form provided by the representative. Ensure all information is accurate, including personal details, employment information, and financial data.
Submit Your Application. After completing the form, submit it to the representative along with your supporting documents. The representative will review your application for completeness and accuracy.
Wait for Approval. The representative will submit your application for processing. Approval times can vary; in some cases, you may receive an instant decision, while others may require further review. You will be notified of the decision by mail or email.
Receive Your Card. If approved, your new credit card will be mailed to you. Upon receiving your card, follow the instructions to activate it and begin using it to earn rewards and manage your finances effectively.
Eligibility Requirements
Credit Score. Applicants should have a good to excellent credit score (considered 670 or higher).
Minimum Age. Must be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico).
Residency. Applicants must have a valid permanent home address within the United States, the District of Columbia, Guam, Puerto Rico, or the US Virgin Islands. Military personnel with a US military address are also eligible.
Income. Proof of a stable income to demonstrate the ability to manage credit responsibly.
Chase Relationship. Existing relationship with Chase may be considered during the application process.
Business Use. Card must be used for business purposes, and applicants must have the authority to bind the business to the card's terms and conditions.
No Recent Bonus. The bonus offer is available to applicants who do not have the card and have not received a new cardmember bonus for this card in the past 24 months.
USA PATRIOT Act Compliance. Applicants must provide required identification and information to verify their identity, including name, address, date of birth, and Social Security number.
Personal and Company Liability. Applicants must agree to be personally responsible for all balances incurred on the account, both individually and jointly with the company.
Reasons You May Be Denied a Card
Insufficient Credit History. If you have a limited credit history or no credit history at all, the issuer may be unable to assess your creditworthiness, which could result in a denial of your credit card application.
Low Credit Score. A low credit score, often indicative of past financial difficulties or missed payments, may lead to a denial of your credit card application. Credit scores below a certain threshold may be considered risky by the issuer.
High Debt-to-Income Ratio. If you have a high debt-to-income ratio, meaning you have significant outstanding debt relative to your income, the issuer may view you as a higher credit risk and deny your application.
Recent Bankruptcy. If you have filed for bankruptcy recently, you may be denied a credit card as it indicates financial instability and an increased risk for the issuer.
Delinquent Accounts. If you have a history of late payments, defaults, or delinquent accounts on your credit report, it may signal to the issuer that you are not financially responsible and may lead to a denial of your application.
Multiple Recent Credit Applications. Applying for multiple credit cards or loans within a short period, especially if accompanied by rejections, may raise concerns for the issuer about your financial stability and lead to a denial.
How to Pay Off Credit Card Debt
Access Your Account. Sign in to your Chase online banking account or mobile app to access your credit card information.
Review Your Balance. Take a moment to examine your outstanding balance, including any accumulated interest or fees.
Choose a Payment Method. Determine how you wish to proceed with your payment. Chase provides several convenient options, such as online banking, mobile banking, in-person at a financial center or ATM, by phone, or through the mail.
Online Payment. If you opt for online payment, log in to your account, proceed to the bill pay section, and follow the prompts to initiate a payment. You can select to pay the minimum amount due, the full balance, or a customized amount.
Mobile Payment. Alternatively, you can utilize the Chase mobile banking app to complete a payment. Choose your United Business credit card account and follow the prompts to finalize the payment process.
In-Person Payment. For those preferring in-person transactions, visit a Chase financial center or ATM. You can make a payment using cash, a check, or your debit card at the ATM, or seek assistance from a representative at the financial center.
Phone Payment. To make a payment over the phone, dial the Chase customer service number and follow the automated instructions to navigate to the payment section. From there, you can complete the payment using your checking account or debit card.
Mail Payment. Lastly, if mailing your payment suits your preference, utilize the payment address provided on your billing statement. Ensure to include your United Business credit card account number on the check or money order and allow adequate time for delivery.
Confirm Payment. Following your payment submission, verify that it has been successfully processed. You can check your account balance online or via the mobile app to confirm the payment's application to your United Business credit card debt.
Editorial Opinion
In assessing the United Business Credit Card, it is evident that the card is structured to reward spending in specific categories that align with travel and business expenses. The introductory bonus and ongoing earning potential can be beneficial for those who frequently fly with United Airlines. However, the annual fee and high variable APR may be considerations for prospective cardmembers evaluating the card's overall value proposition.
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