4.5 / 5
- Welcome
- 50,000 points
- Annual fee
- $95
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Chase · rewards
United Business Card
4.5 / 5
Cash back · Personal card
A solid card with great rewards.
At a glance
Issuer terms- Welcome bonus
- 50,000 points
- Spend $4,000 in 3 months
- Annual fee
- $95
- Year-one and ongoing
- Purchase APR
- 21.49% to 28.49%
- No intro APR
- FX fee
- None
Editorial
Our take
A solid card with great rewards.
Verdict
Pros & cons
Pros
- Valuable welcome bonus
- Flexible redemption options
Cons
- Annual fee
- Requires excellent credit
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| All travel | 2x points | On travel purchases |
| All other purchases | 1x points |
Benefits
Key benefits
Travel Credit
$50 Annual Hotel Credit
Fit
Who this is best for
- Travelers
- Dining enthusiasts
FAQ
Frequently asked questions
What is the United Business Card welcome bonus?
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Does the United Business Card charge an annual fee?
Yes. The annual fee is $95 every year.
Does the United Business Card have a foreign transaction fee?
No. The United Business Card charges no foreign transaction fee, so it works well for international purchases.
What APR does the United Business Card charge?
The purchase APR is 21.49% to 28.49% variable.
Who is the United Business Card best for?
Travelers. Dining enthusiasts.
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Apply
United Business Card
Spend $4,000 in 3 months
Rates accurate as of May 15, 2026. Issuer terms.