Our illustration in the card’s colours, not its design
Chase credit card
United Business Credit Card
- APR up · 19.74% to 19.99% · Oct 10, 2026
- Bonus down · 110,000 to 100,000 · Oct 2, 2026
$150 a year. 100,000 miles after you spend $5,000 in 3 months. Purchase APR 19.99–28.49%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
The source states this figure; we have no exact sentence on file yet.
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
“$150 Annual Fee †”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“19.99%– 28.49% variable APR. †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
100,000 miles
After you spend $5,000 on purchases in your first 3 months.
- Spending it takes
- $1,667 a month
- for 3 months
- Tracking since
- Nov 1, 2026
- history will chart every change
The offer is advertised as up to 100,000 bonus miles plus 2,000 Premier qualifying points. The 2,000 PQP are in addition to PQP earned from card purchases and do not count toward the 4,000-calendar-year maximum PQP from net purchases. The bonus account must be open and not in default at fulfillment.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months.”
The issuer’s terms, from its page, as of Oct 12, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$5 | −$5 | |
| Typical spender | $1,210 | $210 | |
| Heavy spender | $1,870 | $870 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.
−$5a year
The same in the first year and after.
Rewards and credits$145
−$5 after the fee−$150 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.
$210a year
$1,210 the first year, with the welcome bonus.
Rewards and credits$360
You keep $210−$150 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$870a year
$1,870 the first year, with the welcome bonus.
Rewards and credits$1,020
You keep $870−$150 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 65% of the 732 cards we track.
- Lower top APR than about 35% of the 163 cards on our Sign-up bonuses list (see the list).
Other miles cards with fees up to $300
- Delta SkyMiles GoldAmerican Express · $150 a year+$50 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
United MileagePlus
How you earn
- 8×
- 8x total miles on eligible United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 2x miles on entire United purchase with United Business Card. Mileage earning differs for Basic Economy or base option tickets.
- 2×
- 2x miles on all other eligible United purchases.2x miles at gas stations.2x miles on dining including eligible delivery services.2x miles at office supply stores.2x miles on local transit including ride share services, taxicabs, train tickets, tolls and mass transit.
- 1×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Benefits
- United Hotels statement credit: $50 annual
- Rideshare statement credit: $8 monthly
- Rideshare December statement credit: $12 monthly
- Instacart credit: $10 monthly
- JSX statement credit: $100 annual
All 13 benefits
- FareLock statement credit: $25 annual
- Rental car: Up to $60,000
- Baggage: $100 per day for up to 3 days
- Baggage: Up to $3,000 per covered traveler
- Trip cancellation: Up to $1,500 per covered traveler and $6,000 per trip
- Trip delay: Up to $500 per covered traveler
- Purchase protection: Up to $10,000 per item
- Extended warranty: Up to four years from the date of purchase
Changes
- Oct 10, 2026 APR 19.74% to 19.99%
- Oct 2, 2026 Bonus 110,000 to 100,000
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com “$150 Annual Fee †” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “19.99%– 28.49% variable APR. †” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · chase.com “19.99%– 28.49% variable APR. †” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · sites.chase.com “Either $5 or 5% of the amount of each transfer, whichever is greater.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · sites.chase.com “Your due date will be a minimum of 20 days after the close of each billing cycle.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $150 · chase.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 2, 2026
- What is the purchase APR?
- 19.99–28.49% APR · chase.com, since Oct 10, 2026
- Is there a welcome bonus?
- 100,000 miles after $5,000 in purchases in 3 months. · chase.com, since Oct 11, 2026