Chase
United Explorer Business
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Card review
United Explorer Business
Chase
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$95
Welcome bonus
See issuer
Est. net value
$522/yr
Credit score
Varies
Top earn rate
2x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The United Explorer Business from Chase carries a $95 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $477.36 in rewards plus $140.00 in credits and perks — $522.36 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseUnited Airlines | 2× |
| DiningDining | 2× |
| GasGas | 2× |
| Everything elseOffice Supply Stores | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- United Club Passes$100/yr
- Free Checked Bag$30/yr
Primary cardmember and one traveling companion on the same reservation are each eligible to receive their first standard checked bag free.
- Priority Boarding$10/yr
The primary cardmember and companions traveling on the same reservation are eligible for priority boarding.
- LHRC
Luxury Hotel & Resort Collection (LHRC) offers elite-like benefits including: free breakfast, Wifi, upgrade, early check-in, and late check-out.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Emirates Skywards1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$95
- Stated credits
- +$0
- Perks (est.)
- +$140
- Net after credits & perks
- $45
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.