Fees and terms
Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.
- Annual fee
- $695
- Purchase APR
- APR range: 19.74% - 28.24%
- Balance transfer APR
- Check issuer terms
- Cash advance APR
- Check issuer terms
- Foreign transaction fee
- Check issuer terms
- Late payment fee
- Check issuer terms
- Grace period
- Check issuer terms
- Recommended credit
- Excellent (720+)
- Terms last updated
- 6/22/2026
Key benefits
- Business spending features
Rewards breakdown
Wafacard summary: this business spending card shows miles earning from 2x-8x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.
Intro offer: Intro value may include 110,000 points. Confirm current requirements with the issuer.
Card details
Wafacard note: key fit signals include business spending features. Availability, exclusions, and enrollment rules can vary by issuer terms.
- Network
- Visa
- Review status
- Terms reviewed 6/30/2026
Is United Club℠ Business Card worth it?
The United Club℠ Business Card is a premium business card from Chase with a $695 annual fee, so it needs to earn its keep through rewards and benefits. It lists 1.5x on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Intro value may include 110,000 points. Confirm current requirements with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 19.74% - 28.24%. Confirm current terms on Chase's site before applying.
