United business credit cards: MileagePlus Explorer vs MileagePlus Club

United℠ 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℠ 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 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open Earn a $100 statement credit after your first purchase
Rewards
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)
Purchase APR (annual percentage rate)

18.24% to 25.24% variable

18.24% to 25.24% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $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

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

The United℠ 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 other 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.

An alternative airline card

Gold Delta SkyMiles® Credit Card from American Express

  • Limited time offer: Earn 60,000 bonus miles after spending $2,000 in purchases on your new card in 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 1 mile for every eligible dollar spent on 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.
  • See Rates & Fees
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Read more
See Rates & Fees
Promoted
Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
60,000 miles after spending $2,000 in the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $3,000 in the first 3 months. Plus $100 after making a Delta purchase in the same time
2x miles on Delta purchases and 1x miles for all other purchases
$195
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you make $3,000 in purchases on your new card within your first 3 months. Plus $100 after making a Delta purchase in the same time. Rates & Fees
75,000 points after spending $1,000 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 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
70,000 miles after spending $5,000 in the first 90 days
2x miles on all purchases
$0 intro annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$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. Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $5,000 in the first 3 months
2x miles on direct Delta purchases and 1x miles on all other purchases
$450
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you spend $5,000 in purchases on your new card in your first 3 months. Rates & Fees
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on purchases made directly with Delta and 1x miles on all other purchases
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
Earn 3x points on travel — or 4x points if you’re a PenFed Honors Advantage member — and 1.5x points on all other purchases
$0
Earn 25,000 bonus points when you spend $2,500 in the first 90 days from account opening.
20,000 bonus LifeMiles after first card use
2x miles on Avianca purchases, 1x miles on all other purchases. Plus a 15% discount on purchases of miles with Multiply Your Miles
$59
20,000 bonus LifeMiles after first card use
40,000 bonus LifeMiles after first card use
3x miles on Avianca purchases, 2x miles at gas stations and grocery stores and 1x miles on all other purchases. Plus 15% discount on purchases of miles with Multiply Your Miles
$149
40,000 bonus LifeMiles after first card use
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.

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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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