Rating: 4 Stars
Bottom Line:
For United Business Travelers
TABLE OF CONTENTS
Card Details
| Regular APR: | 17.74 ? 24.74 (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | 2 miles per $1 spent on United purchases, gas stations, office supply stores and restaurants 1 mile per $1 spent on all other purchases |
| Credit Needed: | (740 – 850) Excellent |
| Annual Fee: | $95 |
| Card Brand: | Visa |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- Up to 100,000 bonus miles: 50,000 bonus miles after you spend $5,000 in purchases in the first 3 months your account is open. Plus, an additional 50,000 bonus miles after you spend $25,000 total in purchases in the first 6 months your account is open
- 2 miles per $1 spent on United purchases
- 2 miles per $1 spent at gas stations, office supply stores and restaurants
- 1 mile per $1 spent on all other purchases
- Employee Cards at no additional cost Miles earned from their purchases accrue in your account so you can earn rewards faster
- 2 United Club one-time passes after account opening and on each anniversary ? over a $100 value per year
- Free first checked bag: Save up to $120 per roundtrip
- Priority boarding: Board United-operated flights prior to general boarding
Is United MileagePlus Explorer Business Card worth it?
United MileagePlus Explorer Business is a great card for people who fly United a few times a year for business, especially if you spend $5,000 per month in your business.
At a $95 annual fee, United MileagePlus Explorer Business is significantly less expensive than $450 annual fee United MileagePlus Club Business, which comes with United Club lounge access, free first and second checked bags, and Premier status offering priority check-in and the opportunity for and complimentary upgrades.
United MileagePlus Explorer Business cardholders receive only 2 one-time United Club passes, a free first checked bag, and no automatic Premier status, but you do get not only 2 miles per $1 spent on United purchases but 2 miles per $1 spent at gas stations, office supply stores and restaurants.
Businesses with over $25,000 in spending in the first 6 months, a little less than $5000 per month, receive 50,000 bonus miles, on top of the bonus 50,000 miles you receive for spending $5,000 in the first 3 months after signup. United Miles are worth about one to one and a half cents depending on if you redeem for the cheaper Saver fare or for the Everyday fare, which has more availability, so these miles are worth $1000 – $1500 in United airfare.
If you don?t fly United for business that often, and especially if you spend more than $5000 per month in your business, United MileagePlus Explorer Business is a great card for you.
Pros
- Up to 100,000 bonus miles: 50,000 bonus miles after you spend $5,000 in purchases in the first 3 months your account is open. Plus, an additional 50,000 bonus miles after you spend $25,000 total in purchases in the first 6 months
- 2 miles per $1 spent on United purchases
- 2 miles per $1 spent at gas stations, office supply stores and restaurants
- Redeem points on Star Alliance Partner airlines including Asiana Airlines, Avianca, Lufthansa, Swiss Air, Thai Airways, and more than 10 more.
Cons
- $95 annual fee
Why 4 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
4 Stars
Perks
5 Stars
Overall
4 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance Fee | Either $15 or 5% of the amount of each transaction, whichever is greater |
| Penalty APR | 29.99% |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Baggage Delay Reimbursement |
| Concierge Service |
| Emergency Card Replacement |
| Emergency Cash Disbursement |
| Extended Warranty Protection |
| Lost Luggage Reimbursement |
| Travel Accident Insurance |
| Price Protection |
| Purchase Protection |
| Return Protection |
| Roadside Dispatch |
| Travel and Emergency Assistance |
| Trip Cancellation/Trip Interruption Reimbursement |
| Trip Delay Reimbursement |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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