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 offer
Welcome offer

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

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)

17.99% to 24.99% variable

17.74% to 24.74% variable

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

APR: 17.99% to 24.99% 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
Cash advance

APR: 26.99% 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

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
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
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 Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
30,000 Bonus Miles after spending $1,000 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.
1 miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$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
50,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1 points
See Rates & Fees
$250
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
2 miles
17.99%, 21.99% or 24.99% variable
$0 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 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your 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. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$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 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
1 miles
17.74% to 26.74% variable
$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
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2 points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
1 points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.99% 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
16.99% 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.

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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
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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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
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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