SuperMoney
  United Explorer Business Card

United Explorer Business Card

in Business Credit Cards from Chase Bank

Claimed

United Explorer Business Card

Claimed

in Business Credit Cards from Chase Bank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
Cast your vote

Would you recommend United Explorer Business Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 16.49% - 23.49%
Balance Transfer APR  (Variable APR) 17.99% - 24.99%
Credit Score Range 650 - 850
Annual Fee $95

United Explorer Business Card Review

Key Takeaways
  • Signup bonus. Offers a signup bonus of 40000 points after spending $2,000 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. United Explorer Business Card has a variable purchase APR that ranges from 16.49% up to 23.49%.
  • Annual fee waived the first year. United Explorer Business Card gives you the chance to have the card for a year without paying the $95 annual fee.
  • 5% Balance transfer fee. United Explorer Business Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of United Explorer business card
The Good The Bad
  • Annual fee waived during the first year.
  • Multiple business credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere United Explorer Business Card is accepted.
  • United Explorer Business Card reports to multiple credit bureaus.
  • Charges an annual fee of $95
  • Charges a 5% balance transfer fee.
United Explorer business card FAQ

Who is United Explorer business card designed for?

This is a credit card issued by Chase Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 16.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 17.99% up to 24.99%.

It also has a variable cash advance APR starting at 24.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

United Explorer business card Rates & Terms
Purchase APR 16.49% - 23.49%
Balance Transfer APR 17.99% - 24.99%
Cash Advance APR Starting at 24.99%
Penalty APR 29.99%

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $95.
  • A late payment penalty of up to $40.
  • A returned payment fee of up to $40.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

United Explorer business card Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Balance Transfer Fee 5%
Minimum Balance Transfer Fee $5
Returned Payment Fee $40
Late Payment Fee $40

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Airfare
  • Every Purchase
  • Gas stations
  • Hotels
  • Restaurants

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

However, it does include a 40000 points signup bonus after you spend $2000 that can be redeemed for travel, gifts, or other perks.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (877) 242-7372.

What is the support contact email?

The support contact email for this business credit card is customerdepartament@chase.com.

How do people rate the customer service and user experience?

Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does United Explorer Business Card report your account activity to credit bureaus?

Yes, United Explorer Business Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Chase Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From United Explorer Business Card

The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free – calculated as up to a $35 value for the first checked bag, each way, per person – on United-operated flights when purchasing tickets with their United Explorer Card. Up to $100 as a statement credit for Global Entry or TSA PreCheck® every 4 years as reimbursement for the application fee for either program when charged to your card. 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Explorer Card. Priority boarding - the primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Chase Bank

Icon for Business Credit Cards
View all business credit cards offered by Chase Bank

Feature Breakdown

Foreign Currency Transaction Fee 0%
Minimum Interest Charge $0
No Annual Fee First Year
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 21 days
Annual Fee $95
Cash Advance Fee (%) 5%
Cash Advance Fee Minimum $10
Late Fee Amount $40
Minimum Cash Advance Fee ($) Starting at $10
Returned Payment Fee $40
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
Bonus Rewards Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, earn an additional 25,000 bonus miles after you spend $10,000 total on purchases in the first 6 months your account is open.
No Blackout Dates
Rewards Rates
  • Airfare
  • Gas
  • Hotels
  • Restaurants
  • Every Purchase
Signup Bonus (points) 40,000
Balance Computation Daily balance method (including new transactions)
Cash Advance APR (Variable APR) Starting at 24.99%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 16.49% - 23.49%
Balance Transfer Fee % 5%
Balance Transfer Fee Minimum $5
Balance Transfer APR (Variable APR) 17.99% - 24.99%
Card Network Visa
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Travel
  • Gas
  • Airline
  • Bonus Offers

United Explorer Business Card Community Reviews

 

Would you recommend United Explorer Business Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

sorted by

Other Business Credit Cards

Chase Bank Business Credit Cards

Loading...