United Explorer Business Card
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.
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.
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.
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.
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.
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
|Authorized User Fee|
|Foreign Transaction 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.
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.
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