United Explorer Business Card | Review & Miles Calculator
This card was closed to new applicants on 1/23/2020. It has been replaced by the United Business Card.

United Explorer Business Card

Card Review & United Miles Calculator
2X United Purchases
2X Restaurant
2X Gas Station
2X Office Supply Stores
1st Checked Bag Free

Get a review of the United Explorer Business Card, calculate how many United Miles you can earn based on your spend, and compare results to travel cards.


The United MileagePlus Club Explorer Business Card is a solid choice for any business owner that wants to earn some extra United Miles while receiving a few benefits. It earns bonus miles on United airfare, restaurants, gas stations, and office supply stores. In addition to that, the Explorer Business Card offers a free checked bag, the chance to earn bonus miles based on spend, and priority boarding.

Bonus Categories

The United Explorer Business Card has 4 bonus categories that earn extra MileagePlus Miles. Those categories are United Airlines purchases, restaurants, gas stations, and office supply stores. There is no limit to the amount of United Miles you can earn spending in these categories. Below are the details of each bonus category featured on the Explorer Business Card.

2x United Airlines

United Airlines purchases on the United Explorer Business Card will earn 2 MileagePlus Miles per $1 spent. This includes United airline tickets (purchased directly with United), seat upgrades, in-flight food, beverages, Wi-Fi, baggage service charges and other United fees. This does not include United Cruises, MileagePlus X, DIRECTV, and Merchandise Awards.

2x Restaurant

Restaurant spending with the United Explorer Business Card will earn 2 MileagePlus Miles per $1 spent. These purchases must be coded as restaurant. This usually applies to merchants whose primary business is sit-down or eat-in dining, including fast food restaurants as well as fine dining establishments.

2x Gas Stations

The United Explorer Business Card earns 2 MileagePlus Miles per $1 spent at gas stations. This will consist of merchants that sell automotive gasoline that can be paid for either at the pump or inside the station, and may or may not sell other goods or services at their location.

2x Office Supply Stores

Office Supply Store purchases with the United Explorer Business Card will earn 2 MileagePlus Miles per $1 spent at office supply stores. These are generally merchants that specialize in selling a variety of office supplies, from larger office supply stores to smaller stationary stores.

1x Non-Category

Any spending on the United MileagePlus Explorer Business Card outside of the categories above will earn you 1 MileagePlus Mile per $1 spent. If you can squeeze great value out of United Miles, then this could be worth it. Outside of paring an Ultimate Rewards credit card with one of Chase's 1.5% cash back credit cards, you could pick up the United TravelBank Card for non-category spend if you really want all purchases to go towards United.

Perks and Benefits

Bonus United Miles

Spending $25,000 on the United Explorer Business Card in a calendar year will earn you a bonus of 10,000 United Miles. This is worth $100-$120 on average when redeemed for airfare, but could be worth more or less depending on how you use your MileagePlus miles.

Free Checked Bag

When you use the United Explorer Business Card to pay for United airfare tickets (directly though United), you and up to one companion traveling on the same reservation will receive the first checked bags free (standard size bag).

Authorized users are only eligible if they are on the same reservation as the primary card member.

Priority Boarding

As a United Explorer Business card member, you and your companions traveling on the same reservation will have priority boarding. This means you will be invited to board United-operated flights before general boarding.

Complimentary Upgrades

United Explorer Business Card holders that are MileagePlus Premier® members traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United-operated flights (when available). This a great benefit for loyal United customers who still want the chance to be upgraded on award flights.

Standard Chase Benefits

The United Explorer Business Card comes with the standard Chase protections featured on most of their credit cards. This includes but is not limited to:

  • Trip Cancellation
  • Trip Interruption Insurance
  • Baggage Delay Insurance
  • Purchase Protection
  • Extended Warranty Protection

Sign Up Bonus

The sign up bonus for the Chase United Business Explorer Credit Card sits at 50,000 United Miles after you spend $3,000 on purchases in the first 3 months. This worth around $500 to $600 on average but can be worth more or less depending on how much you value United Miles.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The United Explorer Business Card has an annual fee of $0 for first year, then $95. If you use this card for the free checked bags perk, this card will pay for itself after a few flights. If you already receive free checked bags due to having United Premier Status or plan on using a different rewards card to earn more miles or a better return, this card may be harder to justify paying the annual fee.

Authorized User Fee

The authorized user fee for the United Explorer Business Card is $0. I would recommend adding employees, friends, and family members to help build your United Miles. This will also help in reaching the $25,000 spend for the 10,000 bonus miles.

Foreign Transaction Fee

The United Explorer Business Card has a foreign transaction fee of 0%. This allows you to use the Explorer Business Card worldwide and earn additional United Miles without being penalized a fee for transactions outside of the United States. Unfortuntely, this card doesn't offer much on non-category spend so you would want to run international spend on a better travel rewards card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
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This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
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Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
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Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
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Options
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Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
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This will clear the spend in all of the categories in both columns. This will also clear all saved values.
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Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
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Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
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Grand Total
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Total Card Value
The value of the card when everything is taken into account.
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Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-03-25
Article By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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