United℠ Explorer Business Card

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If you frequently fly with United, the may be a business card worth considering. With this co-branded card, you’ll save money on flights and related expenses. Plus, in addition to earning miles for United purchases, you’ll also be able to earn max miles on purchases made at restaurants, gas stations,… Continue

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A great card for businesses that regularly fly on United

United℠ Explorer Business Card

Intro APR N/A
Annual Fee $95

Rates and Fees

Terms, Rates & Fees

Intro APR N/A
Purchase APR 18.24% - 25.24% Variable
Annual Fee $95
Welcome Offer Limited-time offer for small business owners: Earn up to 100,000 bonus miles after qualifying purchases.
Rewards Rate N/A

Details

  • Limited Time Offer: Earn up to 100,000 after qualifying purchases
  • Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
  • Plus, 50,000 bonus miles after you spend $25,000 total on purchases in the first 6 months your account is open
  • Earn 2 miles per $1 at restaurants, gas stations and office supply stores
  • Earn 2 miles per $1 spent on United purchases. And 1 mile per $1 spent on all other purchases
  • Free checked bag - save up to $120 per roundtrip (terms apply)
  • Two one-time United ClubSM passes each year - Over $100 in value per year
  • Employee cards at no additional cost - miles earned from their purchases accrue in your account. Plus, you can set individual spending limits for each card

Nav's Verdict

Bottom Line A great card for businesses that regularly fly on United.

If you frequently fly with United, the United℠ Explorer Business Card may be a business card worth considering. With this co-branded card, you’ll save money on flights and related expenses. Plus, in addition to earning miles for United purchases, you’ll also be able to earn max miles on purchases made at restaurants, gas stations, and office supplies stores.

Don’t want or need to rack up United miles? There are numerous Chase credit cards designed for business owners. For example, if it’s a co-branded airline card you’re looking for, you may want to consider the Chase Southwest Rapid Rewards Business card. Looking for a rewards card with more flexibility?  

Card Review Details

Finding the right business credit card is often a matter of evaluating your spending habits, rewards or benefit expectations, and current card offers. However, if it’s miles you’re after, then airline cards like the United℠ Explorer Business Card are often a popular choice.

While many co-branded airline cards limit maximum earning categories to brand-specific purchase, the United℠ Explorer Business Card extends earning power. Purchases at restaurants, gas stations, and office supply stores are worth just as much as those made with United.

In addition to miles, the United℠ Explorer Business Card also carries other airline specific perks, like free baggage check for the cardholder and one companion and priority boarding. Cardholders can also take advantage of two one-time United Club passes — a $100 value — every year.

There are also some basic Chase business card perks, including an auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation insurance, and purchase protection. Plus, the United℠ Explorer Business Card does not carry a foreign transaction fee, though there is a $95 annual fee, which is not uncommon for business rewards cards.

Another thing to consider whenever choosing a business credit card is point or mile redemption. United℠ Explorer Business Card cardholders can use miles without worrying about blackout dates. And reward travel can be booked with any of the 26 Star Alliance partners, which include Air Canada, EVA, and ANA. This is a plus if you’re looking for a rewards card and miles that can be used for international travel.

Should you get the United℠ Explorer Business Card? If you fly United just enough to take advantage of the perks, then it may be a good addition to your wallet. However, keep in mind that there is a $95 annual fee — waived in the first year — and so you’ll want to use it enough to outweigh that annual obligation.

With the ability to earn miles for purchases at restaurants, gas stations, and office supply stores, you can use the United℠ Explorer Business Card every day and reap rewards benefits, but if you’re looking for a card that offers more earning potential or more redemption options, you may want to check out some of the other business cards that have been reviewed by Nav.

Finally, before you apply, it’s important to note that Chase does have a 5/24 rule, which means you won’t be approved for any new Chase credit card if you’ve opened five or more new cards within the last 24 months. So, if you already have or plan on opening other cards, keep that in mind before you apply for the United Explorer Business card or any other Chase business card.

How can I earn the United℠ Explorer Business Card 70K bonus miles reward?

Credit card welcome offers are always changing, and the United℠ Explorer Business Card is no exception.

Though the 70k miles reward was certainly enticing the welcome offer has been adjusted slightly. Limited-time offer for small business owners: Earn up to 100,000 bonus miles after qualifying purchases..

Of course, it’s always best to check the website, or if you’re already a Chase member, log into your account to see what offers are available.

The Chase United Explorer vs Business — What’s the difference?

A common question for some business owners, particularly those who don’t need employee cards, is whether or not to apply for the personal Chase United Explorer Card or the United℠ Explorer Business Card.

These two cards are quite similar. Both entitle cardholders to priority boarding, free baggage check for you and a companion, and two one-time United Club passes each year. Both cards also have a $95 annual fee, which is waived in the first year, and neither card carries a foreign transaction fee.

Though both cards also offer 2 miles per dollar on United purchases and on purchases made at restaurants, the personal card offers 2 miles per dollars spent on hotel accommodations while the business card offers the same point value for purchases at gas stations and at office supply stores.

There are, however, two significant differences between the two, the likes of which may make one card better suited to your needs. The personal United Explorer card offers a statement credit of up to $100 for Global Entry or TSA Pre✓ fees, applicable every four years. Currently, the United℠ Explorer Business Card does come with that benefit.

As always, the best card depends on your spending habits and needs. For example, if you need employee cards, you’ll obviously need to go with the United℠ Explorer Business Card. On the other hand, if you need Global Entry or TSA, and you don’t anticipate making $25,000 worth of purchases with the card, then the personal card may be a better option.

Similarly, since the rewards categories vary slightly (gas stations and office supplies vs hotel accommodations), your spending patterns can also help you choose between the two.

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About Author

Jennifer Lobb

Jennifer Lobb

Jennifer is a alum of the University of Denver. While in the graduate program there, she enjoyed spending time identifying ways in which non-profits and small businesses could develop into strong and profitable organizations that while promoting strong community growth. She also enjoys finding unique ways for freelancers and start-up businesses to reach and expand their goals.