Who is This Credit Card Best For?
Is turning their passion into a money-making venture
Diligently searches for the best products and delights in a good bargain
Prioritizes sticking to their budget while buying what they want and need
Hits the road often, whether for work or play
The United Explorer Business Card is best for business owners who fly United Airlines often and want to earn more miles and access frequent flyer perks. You’ll need good or excellent credit to qualify, but this card’s miles earning structure and perks are worth pursuing.
Generous sign-up bonus and earning structure
Access to frequent flyer perks
Lots of travel and other benefits
High spending threshold to earn full sign-up bonus
- Generous sign-up bonus and earning structure: Unlike some airline credit cards that only offer 2 miles per $1 spent on airline purchases, this card offers double miles on restaurant, gas station, and office supply stores as well. You can also score up to 100,000 bonus airline miles within six months, which is rare among airline credit cards.
- Access to frequent flyer perks: This card gives you and a companion on your itinerary a free checked bag on United-operated flights. You also get to board the airplane before general boarding takes place.
- Lots of travel and other benefits: Having this card means having access to perks like primary rental car insurance, baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance, trip delay reimbursement, purchase protection, and extended warranties.
- High spending threshold to earn full sign-up bonus: While you can earn 100,000 bonus miles with this credit card, you’ll need to spend $25,000 on your card within six months to do so. That’s a hefty requirement to meet, and it may not be possible for many business owners.
United Explorer Business Card Sign-Up Bonus
This business credit card offers a two-tiered sign-up bonus that can be lucrative if you’re able to meet the full spending threshold.
First, you’ll earn 50,000 miles when you spend $5,000 on your card within three months of account opening. If you can spend a total of $25,000 on your card within the first six months, you’ll rack up 50,000 more airline miles.
According to The Balance’s analysis of the value of United MileagePlus miles, each is worth 2.16 cents, on average. That means the full 100,000 mile bonus is worth $2,160 in airfare. Most airline credit cards offer fewer miles upfront, which makes this bonus one of the most valuable ones on offer.
Earning Points & Rewards
You’ll earn 2 miles per $1 spent on restaurant, gas station, and office supply store purchases in addition to purchases made with the airline. You’ll also get 1 mile per $1 spent on everything else you buy.
Wi-Fi, in-flight meals and beverages, airfare, and other United purchases all earn at the 2 mile per $1 spent rate.
And remember, having free employee cards means you can earn miles when your employees make work-related charges, too.
Miles transfer to your United MileagePlus account, and that’s where you’ll monitor, manage, and redeem them.
You can cash in miles for flights with United Airlines or its partners to more than 350 destinations around the globe. You can also redeem rewards for flight upgrades, hotel stays, cruises, merchandise, gift cards, and experiences like concerts or Broadway shows.
How to Get the Most Out of This Card
Considering United miles are most valuable when redeemed for airfare, you’ll get the most bang for your buck with this card if you redeem your miles for free flights instead of gift cards or hotel stays. The value of those rewards can vary considerably.
On the earning side, you may want to consider pairing this card with a personal or business credit card that earns Chase Ultimate Rewards points. Chase lets you transfer Ultimate Rewards points to United Airlines at a 1:1 ratio, and several of Chase’s cards offer better points earning rates in some spending categories. When you’re ready to redeem, transfer your Ultimate Rewards to your United account.
United Explorer Business Card’s Excellent Perks
The United Explorer Business Card offers a slew of important perks many credit cards leave out. These are the ones the editors of The Balance consider “excellent.”
- Priority boarding and a free checked bag: You and a companion traveling on the same reservation can board prior to general boarding—and you’ll each enjoy a free checked bag.
- United Club passes: You’ll receive two airport lounge passes once you become a cardholder and two more every year thereafter on your cardholder anniversary.
- Primary auto rental coverage: Qualify for primary auto rental coverage when renting a car for business purposes. Coverage is good for up to the cash value of the car for theft and collision damage, although coverage is not valid for certain types of vehicles and in certain destinations.
- Insurance coverage for lost or delayed luggage: Coverage for lost luggage is good for up to $3,000 per passenger when luggage is lost by a common carrier. If luggage is delayed by six hours or more, you’ll be reimbursed up to $100 per day (for up to three days) to cover the cost of incidentals.
- Insurance coverage for trip cancellation, interruption, or delay: Get reimbursed for up to $10,000 per trip in prepaid travel expenses when your trip is cancelled or interrupted for a covered reason. For trip delays, you’re covered for up to $500 of expenses.
United Explorer Business Card’s Other Features
- Insurance for stolen or damaged purchases
- Extended warranties
- Concierge for booking event tickets, travel, and other services
J.D. Power’s 2019 U.S. Credit Card Satisfaction Study ranked Chase fourth among 11 credit card issuers. Chase scored 807 out of 1,000 possible points in the study, whereas the national issuer average was 806.
As a major credit card issuer Chase offers major credit card issuer customer service. You can access your account online or via an app, and there are multiple ways to reach a customer service rep. If you sign up for Chase’s Credit Journey service, you’ll have access to a free VantageScore credit score and other credit monitoring tools.
Chase offers industry standard security features like fraud alerts, zero liability for fraudulent purchases, plus credit monitoring if you sign up for Credit Journey.
United Explorer Business Card Fees
Fees for the United Explorer Business Card are industry standard. However, the lack of foreign transaction fees makes this card an option if you use a credit card for business purchases outside the United States.