United business credit cards: MileagePlus Explorer vs MileagePlus Club

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

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

Those loyal to United have likely eyeballed both the United MileagePlus® 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 MileagePlus® Explorer Business Card will likely serve you just fine.

United MileagePlus® Explorer Business Card

United MileagePlus® Explorer Business Card

United MileagePlus® Club Business Card

United MileagePlus® Club Business Card

Welcome bonus

Earn 50,000 miles after spending $3,000 in the first 3 months

Earn a $100 statement credit after your first purchase
Rewards

Earn 2x miles at restaurants, gas stations and office supply stores, 2x miles on tickets purchased from United, and 1x miles on all other purchases.

Earn 2x miles on tickets purchased from United and 1.5x miles on all other purchases.

Purchase APR (annual percentage rate)

17.74% to 24.74% variable

17.74% to 24.74% variable

Annual fee $0 the first year, then $95 $450
Balance transfers

APR: 17.74% to 24.74% variable

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

APR: 17.74% to 24.74% variable

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

Cash advance

APR: 26.74% to 0% variable

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

APR: 26.74% variable

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

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

Which card should you choose?

United MileagePlus® Explorer Business Card

United MileagePlus® Explorer Business Card

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

The United MileagePlus® Explorer Business Card is going to cost you less than its counterpart — only $95 a year — and you'll still have the opportunity to rake in the same amount of miles on tickets purchased from United. You'll even be able to earn an additional 10,000 bonus miles when you spend $25,000 each calendar year. And if you're spending across multiple categories like gas, dining and office supplies, you can earn 2x miles — an offer the United MileagePlus® Club Business Card lacks.

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

Off the bat, you'll get a $100 statement credit when you make your first purchase with the United MileagePlus® Club Business Card. Plus, you'll have Premier Access, which speeds up the time-consuming processes at the airport — including fast-tracked check-in, security, boarding and baggage handling. You'll also get exclusive access to The Luxury Hotel & Resort Collection, be invited to register for Discoverist status with World of Hyatt and get Elite status with Hertz Gold Plus Rewards President's Circle. And if booking flights last minute happens often in your business, the absence of close-in fees for reward flights will be a lifesaver.

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 Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
1 points
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.74% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2 points
16.74% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
Earn 60,000 points after spending $5,000 in the first 3 months
1 points
None (Charge Card)
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
Earn 25,000 points after spending $2,000 in the first 3 months
1 points
None (Charge Card)
$0 annual fee for the first year ($195 thereafter)
25,000 bonus Membership Rewards® Points (up to $250 value) when you spend $2,000 in the first 3 months
Earn 25,000 points after spending $1,000 in the first 90 days
1.5 points
16.74% to 24.74% variable
$0
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Earn 50,000 points after spending $3,000 in the first 90 days
1.5 points
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
Earn 50,000 miles after spending $3,000 in the first 3 months
2 miles
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 40,000 miles after spending $2,000 in the first 3 months
1 miles
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.* Plus a $100 statement credit after your first purchase.
Earn 40,000 points after spending $1,000 in the first 3 months
1 points
17.74% to 24.74% variable
$99
40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
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APR

16.74
variable

Annual fee

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APR

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variable

Annual fee

75 For the first year
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Indigo® Platinum Mastercard® Credit Card
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APR

23.9
variable

Annual fee

75 For the first year
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