Chase United MileagePlus Explorer Business Card Review

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The United℠ Business Card is an airline co-branded business travel card designed for business owners who frequently fly with United Airlines. With this card, you will earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases. Cardholders can also earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

As a cardholder, you will get airline perks and savings, an auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance, trip delay reimbursement, purchase protection, and concierge service. Perks include a free checked bag, priority boarding and two annual United Club℠ one-time passes.

  • Issuer NameChase
  • Credit NeededGood, Excellent
  • Annual Fee$0 intro annual fee for the first year, then $99
  • Regular APR21.99% – 28.99% Variable
  • Penalty APRUp to 29.99%
  • Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
  • Cash Advance FeeEither $15 or 5% of the amount of each transaction, whichever is greater.
  • Foreign Transaction Fee$0

On Chase’s Secure Website.

  • Frequently travel for business with United Airlines.
  • Will take advantage of perks like the checked bag benefit.
  • Don’t mind paying an annual fee.

Beyond the welcome offer and rewards, the United℠ Business Card has a few frequent flyer features to take advantage of. One is for status seekers: You can earn up to 1,000 Premier Qualifying Points. For every $500 you spend on purchases, you’ll get 25 PQPs that can be applied toward your Premier status qualification. Also, after seven United flights purchased in one year, you’ll get a $100 United travel credit. Finally, if you have both the United℠ Business Card and a personal United credit card, you’ll score 5,000 “better-together” anniversary bonus miles.

Editor’s Take

This card is for business owners who frequently travel with United Airlines. If you fit that bill, you’ll likely find the card very valuable. The free first checked bag for you and a companion on just one trip alone is worth more than the annual fee. Then, when you consider the other perks, travel protections and the accelerated path toward higher loyalty program status, the United℠ Business Card has a definite return on investment.

Dawn PapandreaContributor

You can earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

Cardholders of the United℠ Business Card earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases. You’ll earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

U.S. News rates credit cards by analyzing factors including fees, interest rates and benefits, each weighed against their importance to determine an overall score for each credit card. Consumers can rely on these ratings to provide objective, accurate assessments of credit card choices.

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