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Chase United MileagePlus Explorer Business Card – Is This the Ultimate Mileage Rewards Card Around?


Let’s take a look at the Chase United MileagePlus Explorer Business Card as the world of mileage rewards credit cards basks in its ultimate flyer miles glow. This is not one of Chase’s widely advertised credit cards; it takes more of a walk-in-store-and-see kind of approach. The in-store sign-up garners a much better welcome points bonus deal than the online sign-up method does, and if you’re not lucky enough to be offered the supersized bonus point offer individually, you’d better find a Chase branch to sign-up in instead. The beauty of the Chase United MileagePlus Explorer Business Card is that you don’t have to be an existing customer to sign-up or to receive the larger bonus point award, Chase are happy enough to have a one on one to get you all set up and they are not too strict on credit score availability.

The Chase United MileagePlus Explorer Business Card holds some massive credibility within the current market and could well be the ultimate mileage rewards card around. Backed by visa and packed full of travel perks, this airline card really does boast some of the most attractive features of any credit card of its kind. If you are a frequent flyer and are looking for a card that not only understands your needs, but rewards you for them, this is likely to be the perfect card for you.

So what are the bonus points of the Chase United MileagePlus Explorer Business Card and who is entitled to them?

Many reviewers and customers are under the impression that the Chase United MileagePlus Explorer Business Card holds ‘targeted’ bonus point offers, but that is not completely the case. In a nutshell some customers are targeted, but anybody can receive the same large bonus point offer simply by signing up in store instead of online.

There are loopholes dotted around the web to find the targeted offer page, so if you’d prefer to apply online, make sure to look around a bit. One of the loopholes is that if you have an existing account with United, you can simply log into your United account and click on the “Explorer card offer” that appears at the bottom of the “My MileagePlus Summary” section. It will direct you to apply via the coveted ‘targeted benefit’ page.

If you don’t find one of the many hidden targeted offer pages when you apply for this card online, you will receive 25,000 bonus miles after your first purchase and then another 5,000 bonus miles on top when you add an authorized user to your account.

If you do find the targeted offer page or just simply apply for the Chase United MileagePlus Explorer Business Card in-store, you will receive 50,000 bonus miles when you spend over $2,000 within the first 3 months and then another 5,000 bonus miles when you add an authorized user to your account within 3 months.

No matter how you sign up, you can also receive an extra bonus of 10,000 miles when you spend a minimum of $25,000 per calendar year.

Apart from these massive sign-up bonus point offers, what else does the Chase United MileagePlus Explorer Business Card have to offer?

There is an annual fee at $95 on this travel card, but it is waived for the first year. The low variable APR of 15.24% is not a bad feature and the fact that Chase has recently removed the hefty foreign transaction fee means that you can now use your Chase United MileagePlus Explorer Business Card anywhere around the world without the worry of a penalty charge. Upon sign up, and for every calendar year following sign-up, card holders will receive two (yes two!) one time use special passes to the United Club airline lounge. The United Club airline lounges have all the facilities you’d expect, including free wifi and complimentary snacks and beverages. You and one companion (appearing on the same reservation) will be fast tracked onto the aeroplane before general boarding. Card holders can also check one bag in each free, as long as the tickets for the flight were purchased using the card.

Earning air miles is pretty straightforward, get 2 miles per dollar spent on any United airline ticket and 1 mile per dollar on all other purchases. Some United flights that can be found on certain discount travel websites won’t qualify for double point bonuses, so make sure to buy directly if you want to get the best out of your card. All bonus miles don’t hold an expiry date or limit, so card holders are free to cash out whenever you want. All points are redeemable via the MileagePlus Program for standard United airline tickets and seat upgrades, all partner flights, hotel stays, car rentals and particular United merchandise.

What are the standard features?

The standard features of the Chase United MileagePlus Explorer Business Card are:

  • Card holders can redeem miles against any seat at any time on absolutely any United flight.
  • There are no limitations, restrictions or blackout dates on available seats as long as card holders provide their MileagePlus number at the beginning of the booking process.
  • All card holders can enjoy special luxury resort and hotel privileges such as room upgrades, complimentary breakfast daily for two diners, early check-in and late checkout times and more.
  • There is a $95 annual fee after the first year of ownership and an annual fee of $25 for each additional card.
  • This card holds a great low credit score award rate.

Is This the Ultimate Mileage Rewards Card Around?

To sum this credit card up, we’d say yes. This decision is based mainly on the sign-up bonus miles, because although there are other competing travel cards on the market that will offer much the same as this one, the initial bonuses are just too good to pass up, even if you are not targeted with the larger bonuses and sign up otherwise.

The many loopholes that allow you to effectively become a ‘targeted’ customer are probably a major fail for both Chase and United, but it does make the card much more attractive to anyone wanting to commit to it. The fact that the acceptance rate for this card is high is another very attractive feature, because even with a bad credit score you are likely to get approved. The overall perks of the Chase United MileagePlus Explorer Business Card will more than pay for the annual fee, which itself is not as high as it could be for a card of this status

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