United Explorer Business Card

United Explorer Business Card Review

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

• 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

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.

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 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 1% 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

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.

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.