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)

17.49% to 24.49% variable

17.99% to 24.99% variable

Annual fee
Annual fee $95 $450
Balance transfers
Balance transfers APR: 17.49% to 24.49% variable

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

APR: 17.99% to 24.99% variable

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

Cash advance
Cash advance

APR: 26.49% to 0% variable

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

APR: 26.49% 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

Read review

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.

Name Product Welcome offer Rewards Annual fee Filter values
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 points after spending $2,000 in the first 3 months
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees
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
See terms
See terms
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

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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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