UnitedSM Business Card
Saved decision
This is the product memory currently attached to the review.
Closed because the review came from a bad website check.
- No card identity or lifecycle state was changed.
- The closure is preserved in the review audit trail.
Why this review existed
No action is needed. The proof remains here so the saved decision is understandable later.
This review has already been handled.
UnitedSM Business Card no longer needs a decision. The current proof below is kept so you can understand what the system knows now.
Reviewing UnitedSM Business Card. The website-check history may have changed since the review was opened.
The saved decision above controls what happens now. This section explains the original review signal.
Nothing else is waiting on this review unless a future website check opens a new task.
The card was explicitly recorded in this issuer website check.
This exact saved card appeared in earlier website checks.
Use merge only if the current card is the same product.
Source context retained with the saved review decision. Technical run details are hidden below.
Sign in Credit Cards home United SM Business Card Sign in to apply faster Apply as a guest * Offer Details † Pricing & Terms NEW CARDMEMBER OFFER Earn up to 100,000 bonus miles + 2,000 Premier qualifying points (PQP) after qualifying activities. * AT A GLANCE 2 United Club℠ one-time passes each year, * a free first checked bag, * and over $600 in annual partner credits. APR 19.99 %– 28.49 % variable APR. † ANNUAL FEE $150 Annual Fee † Business Card Rewards & Benefits Earn up to 100,000 bonus miles + 2,000 Premier qualifying points (PQP) Earn 90,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. * The 2,000 PQP are in addition to the PQP you can earn from card purchases. PQP help you reach Premier ® status, which gives you extra benefits like complimentary access to Economy Plus ® , seat upgrades, and more. * Plus, earn 10,000 bonus miles after you add an employee card to your account in the first 3 months your account is open.
Sign in Featured Cards Check for Offers Card Finder Card Categories Card Brands United Credit Cards Make vacations happen sooner with one of our United credit cards from Chase. Personal Cards Business Cards United SM Explorer Card OUR BEST OFFER RETURNS NEW CARDMEMBER OFFER Earn up to [superseded: 60,000] 80,000 bonus miles after qualifying activities. AT A GLANCE Free first checked bag, 2 United Club SM one-time passes per year, Group 2 priority boarding and over $500 in annual partner credits. APR 19.99 %– 28.49 % variable APR. † ANNUAL FEE $0 intro annual fee for the first year, then $150 † Apply Now See details † Pricing & Terms Rewards Program Agreement (PDF) Compare United Quest SM Card LIMITED-TIME OFFER NEW CARDMEMBER OFFER Earn up to 90,000 bonus miles after qualifying activities + 500 PQP after your first purchase. AT A GLANCE $200 United travel credit, annual 10,000-mile award flight discount, 2 free checked bags, and Group 2 priority boarding. APR 19.99 %– 28.49 % variable APR.
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United SM Business Card
The card was explicitly recorded in this issuer portfolio result.
Optional detailsFull check history, card-list state, and audit trail⌄
Detailed website-check history
Each row is a saved website check. It shows whether this exact card was found, missing, or not checked.
| Check | Result | Meaning | When |
|---|---|---|---|
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 29, 2026, 5:06 AM |
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 28, 2026, 7:45 PM |
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 28, 2026, 5:46 PM |
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 26, 2026, 3:36 PM |
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 23, 2026, 9:58 PM |
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 23, 2026, 9:35 PM |
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 23, 2026, 9:11 PM |
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 23, 2026, 8:47 PM |
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 23, 2026, 7:47 PM |
| Open check | Found | The card was explicitly recorded in this issuer website check. | May 23, 2026, 2:36 AM |
Current card-list state
Review audit
Raw system context
{
"entity": {
"id": "c94468fc-2640-4b21-8c36-969d50e0c8d4",
"name": "UnitedSM Business Card",
"type": "card",
"issuerId": "19dd054c-b2ef-4683-a963-ce95509dd5df",
"canonicalSlug": "united-business-card"
},
"reason": {
"code": "missing_existing_card",
"label": "Missing in latest issuer refresh",
"summary": "UnitedSM Business Card was previously in the issuer portfolio but was not found in the latest refresh."
},
"evidence": {
"runMode": "refresh_existing_targets",
"workflowId": "issuer_portfolio_refresh",
"sourceStage": "card.discover",
"completeness": "complete",
"observedAtIso": "2026-05-15T15:38:07.702Z",
"observedCardIds": [],
"missingObservationCount": 3,
"latestPortfolioArtifactId": "0df5f413-2bd2-43be-a134-5c31a7db3c4a",
"previousPortfolioArtifactId": "5ce0ad85-fd42-4a3a-9453-335949c15b12"
},
"card_name": "UnitedSM Business Card",
"issuer_id": "19dd054c-b2ef-4683-a963-ce95509dd5df",
"canonical_slug": "united-business-card",
"schema_version": "issuer_portfolio_missing_card:v1",
"latest_run_mode": "refresh_existing_targets",
"suggested_action": {
"score": 1,
"title": "Merge with United Business Card",
"action": "merge_with_matched_card",
"source": "card_name_similarity_v1",
"signals": [
"Exact product identity key match.",
"Shared tokens: Business, United.",
"Different tokens: Unitedsm."
],
"rationale": "UnitedSM Business Card looks like United Business Card: the names share Business, United. They differ on Unitedsm.",
"confidence": "high",
"targetCardId": "05134d7d-6de0-429d-bc9c-9079705d25b0",
"targetCardName": "United Business Card",
"targetCanonicalSlug": "united-business"
},
"invalidated_reason": "bad_zero_enumeration_refresh",
"invalidated_run_id": "7115e3f5-56b1-4b53-80a4-196a8c814b30",
"latest_observed_at": "2026-05-14T04:04:02.335Z",
"snapshot_completeness": "complete",
"default_decision_notes": {
"keep_active": "UnitedSM Business Card still appears active; keep it in the registry and monitor future issuer refreshes.",
"soft_delete": "UnitedSM Business Card appears to be a mistaken prior discovery; soft-delete this card identity from normal views.",
"review_manually": "The evidence is not decisive enough for a confident action; leave this task for manual review.",
"mark_discontinued": "UnitedSM Business Card was a real card but appears discontinued; mark its lifecycle as discontinued for future registry projections.",
"merge_with_matched_card": "UnitedSM Business Card is the same product as the selected card; merge this duplicate identity so future refreshes treat them as one card."
},
"invalidated_artifact_id": "0df5f413-2bd2-43be-a134-5c31a7db3c4a",
"first_missing_detected_at": "2026-05-07T21:52:53.621Z",
"missing_observation_count": 3,
"latest_missing_detected_at": "2026-05-15T15:38:07.702Z",
"latest_observed_artifact_id": "9453524a-b724-47cd-8011-384accb71db7",
"previous_portfolio_artifact_id": "5ce0ad85-fd42-4a3a-9453-335949c15b12",
"issuer_card_portfolio_artifact_id": "0df5f413-2bd2-43be-a134-5c31a7db3c4a",
"invalidated_by_operational_cleanup": true
}{
"note": "Dismissed because the issuer portfolio refresh was invalidated after entity enumeration produced zero cards. A corrected refresh will reopen any cards that are genuinely still missing.",
"reason": "invalidated_bad_refresh",
"decision": "dismissed",
"invalidated_run_id": "7115e3f5-56b1-4b53-80a4-196a8c814b30",
"invalidated_artifact_id": "0df5f413-2bd2-43be-a134-5c31a7db3c4a"
}