United Explorer Business Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 04/18/2025
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United Explorer Business Card
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in Business Credit Cards from Chase Bank
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
16.49% - 23.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
17.99% - 24.99%(Verified 06/21/2024)
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Annual Fee
$95
Credit Score Range
650 - 850
United Explorer Business Card Review
United Explorer Business Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a cashback card issued by Chase Bank. If you're wondering whether United Explorer Business Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 40000 points that can be redeemed for travel, gifts, or other perks.
- APRs: United Explorer Business Card has a variable regular purchase APR that ranges from 16.49% up to 23.49%.
- $0 intro annual fee for the first year. United Explorer Business Card gives you the chance to have the card for a year without paying the $95 annual fee.
- A 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 Auto Rental Collision Damage Waiver, access to a concierge, extended warranty protection on purchases, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of United Explorer business card
| The Good | The Bad |
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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 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 $40 .
- A returned payment fee of $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 or 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Blackout Dates? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | 40,000 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Miles | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 - 2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- 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 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.
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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
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