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

Choose between the standard and premium United Airlines business cards.

Kyle Morgan
Kyle Morgan

Updated

Fact checked
The United℠ Explorer Business Card is the standard option, with a $95 annual fee. Meanwhile, the United Club℠ Business Card is the premium option at $450 a year. The biggest advantage of the latter is its complimentary United Club membership, plus exclusive United perks such as two free checked bags per flight and Premier Access travel services. However, the cheaper card still offers one free checked bag per flight and priority boarding.

United℠ Explorer Business Card

United℠ Explorer Business Card

Rates & Fees

United Club℠ Business Card

United Club℠ Business Card

Rates & Fees
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★★★★★

60 / 5.0
Best for
Best for
  • United miles for everyday purchases
  • Premier access and upgrades with United Airlines
Welcome offer
Welcome offer

60,000 miles after spending $3,000 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
Purchase APR

15.99% to 22.99% variable

16.49% to 23.49% variable

Annual fee
Annual fee $95 $450
Balance transfer APR
Balance transfer APR 15.99% to 22.99% variable

 16.49% to 23.49% variable
Cash advance
Cash advance

APR: 24.99% to 0% variable

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

APR: 24.99% 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 $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
Learn more
Learn more

Summary of card features

United℠ Explorer Business Card

United℠ Explorer Business Card

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

United Club℠ Business Card

United 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
American Express® Gold Card
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Apply now
View details
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Apply now
View details
Citi Premier® Card
Citi Premier® Card
60,000 points after spending $4,000 in the first 3 months
3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
$95
Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.
Apply now
View details
Chase Sapphire Reserve®
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Apply now
View details
Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant™ American Express® Card
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
Apply now
View details
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