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United Explorer Business Card
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| 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
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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 |
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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.| 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.
| 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?
Yes, United Explorer business 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.
Message From Chase Bank
Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 USA - (877) 242-7372
- Visit Site
- Email Support
Other Services by Chase Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
| Annual Fee | $95 |
| Cash Advance Fee (%) | 5% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 0% |
| Late Fee Amount | $40 |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Minimum Interest Charge | $0 |
| No Annual Fee First Year | |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | $40 |
United Explorer Business Card Community Reviews
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