United business credit cards: MileagePlus Explorer vs MileagePlus Club

United℠ Explorer Business Card vs. United MileagePlus® Club Business Card

Battle of the United Airlines business credit cards. Who flies higher?

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Those loyal to United have likely eyeballed both the United℠ Explorer Business Card and the United MileagePlus® Club Business Card. But which United Airlines business credit card makes the most sense for you?

If you’re constantly booking United flights, you’ll enjoy the extended amount of comfort that the United MileagePlus® Club Business Card offers. But if you’re not much of a frequent flyer, the United℠ Explorer Business Card will likely serve you just fine.

United℠ Explorer Business Card

United℠ Explorer Business Card

United MileagePlus® Club Business Card

United MileagePlus® Club Business Card

Best for
Best for
  • United miles for everyday purchases
  • Premier access and upgrades with United Airlines
Welcome offer
Welcome offer 50,000 miles after spending $5,000 in the first 3 months plus 50,000 after spending $25,000 total in the first 6 months 50,000 after you spend $3,000 on purchases in the first 3 months your account is open
Rewards
Rewards

2x miles at restaurants, gas stations and office supply stores, 2x miles on United and 1x miles on all other purchases

2x miles on United and 1.5x miles on all other purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

18.24% to 25.24% variable

18.24% to 25.24% variable

Annual fee
Annual fee $95 $450
Balance transfers
Balance transfers APR: 18.24% to 25.24% variable

Fee: $5 or 5% of the transaction, whichever is greater

APR: 18.24% to 25.24% variable

Fee: $5 or 5% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 27.24% to 0% variable

Fee: $15 or 5% of the transaction, whichever is greater

APR: 27.24% variable

Fee: $15 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 $39
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 20 days 20 days
Minimum interest
Minimum interest $0 $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Which card should you choose?

United℠ Explorer Business Card

United℠ Explorer Business Card

  • First bag checked free
  • 2 complimentary United Club passes each year
  • No foreign transaction fees

United MileagePlus® Club Business Card

United MileagePlus® Club Business Card

  • Complimentary United Club Membership ($550 value per year)
  • First and second bag checked free
  • No foreign transaction fees

Both cards offer no foreign transaction fees, distinct travel perks, employee credit cards at no cost and miles that don’t expire.

What’s next?

If you fly for business or personal reasons and your go-to airline is United, these two Chase United business cards can keep you comfortable when doing so — just be sure to choose the one that makes sense for how often you fly.

But if you’re someone who isn’t a complete United loyalist, you’ll likely be better off with an all-around travel rewards credit card. See what else is offered in our comparison table below.

An alternative airline card

Gold Delta SkyMiles® Credit Card from American Express

  • Earn 30,000 bonus miles after you use your new card to make $1,000 in purchases within your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn one mile for every eligible dollar you spend on other purchases.
  • Check your first bag free on Delta flights – that’s a savings of up to $240 per round trip for a family of four.
  • Settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms apply.
Read less
Read more
See Rates & Fees
Promoted
Name Product Welcome offer Rewards Annual fee Filter values
90,000 points after spending $2,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 90,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the card within your first 3 months of card membership. Rates & fees
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
50,000 points after spending $2,000 in the first 3 months
3x points at Marriott Bonvoy hotels, 2x on travel and 1x on all other purchases
$0
50,000 bonus points after you spend $2,000 on purchases in your first 3 months from your account opening.

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Disclaimer

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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