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Compare the Features and Benefits of Chase Ink Business Unlimited® Credit Card and
United℠ Explorer Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Primary Car Rental CDW Waiver
Extended Warranty
Purchase Protection
Travel and Emergency Assistance Services
0% Intro APR on Purchases
Does Not Report Credit Line to Personal Credit Profile
Roadside Assistance
No Fees for Authorized Users
Unique Card Benefits
Free Checked Bags
Airport Lounge Access
Priority Boarding
Global Entry / TSA PreCheck Reimbursement
Trip Protections
No Foreign Transaction Fees
Concierge Services
Free Access to Credit Score
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
Ongoing APR
18.49%-24.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Lyft
1.5x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer
Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

If you are a small business owner, I strongly recommend that you carry all three Chase Ink credit cards: the Chase Ink Business Unlimited® Credit Card (this card!), the Chase Ink Business Preferred®, and the Chase Ink Business Cash®.

They all work together as what we refer to as a Chase business credit card “Trifecta.” The Chase Ink Preferred® allows you to transfer points to Chase’s Ultimate Rewards airline and hotel partners like United, Hyatt, and British Airways.

But then it makes sense to also get the Ink Business Cash credit card and Chase Ink Business Unlimited credit card to maximize your total earnings on bonus categories – since all points can be combined to your Ink Preferred.

Here, with the Chase Ink Business Unlimited credit card, it is your “default” card for your business spend. What I mean by that is that if the purchase you are making isn’t in a bonus category on your other cards, you would put the charge on the Ink Unlimited for 1.5X Ultimate Rewards points. This way you are never, ever getting less than 1.5% back on your business purchases.

There is no limit to how many Ultimate Rewards points you can earn on the Chase Ink Business Unlimited credit card, all at the 1.5X multiplier.

However, it is very important to know is that although this card states that you are earning cash back, that is only if you don’t also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card.

Yes, you are earning Chase Ultimate Rewards points with the Chase Ink Business Unlimited credit card.

But without one of the above credit cards, your only redemption option is to cash out your points for 1 cent per point, meaning that, on its own, it’s a cash back card and the points have an actual cash value of 1 cent each.

chase-ink-business-unlimited-credit-card

Assuming you do have an Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card in your wallet, however, you’ll be able to move your points from your Ink Business Unlimited card to any of those other 3 cards, where you will be able to transfer to airline and hotel partner programs like United and Hyatt – or redeem for travel via the Chase Ultimate Rewards portal where your points are worth either 1.25 or 1.5 cents each, depending on which card you have.

The Ink Preferred and Sapphire Preferred offer 1.25 cents a point while the Sapphire Reserve (with its $550 annual fee) gives you 1.5 cents per point when booking travel in the Ultimate Rewards portal.

The bottom line is that the Chase Ink Unlimited is simply a staple in the Chase Ink family of business credit cards. It backs up the Preferred and Cash with that 1.5% “floor” on rewards – and all with no annual fee.

When using our bonus spend calculator on this card, you’ll notice we ask you if you also have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Sapphire Reserve® Card. That’s because, if you do, we’ll increase the value of rewards on this card from 1 cent to 1.75 cents accordingly accounting for the ability to utilize Chase’s point transfer partners.

Please note: you must be under 5/24 (more on the Chase 5/24 rule) to apply for this card and you cannot apply for more than one Chase Business card in any 30 day period. You can apply for a maximum of two Chase cards within 30 days, with only, at most, 1 of them being a Chase Ink business card (or any Chase business card).

Read more
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
0% Intro APR on Purchases
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Roadside Assistance
yes
No Fees for Authorized Users
yes
Unique Card Benefits
no
Free Checked Bags
no
Airport Lounge Access
no
Priority Boarding
no
Global Entry / TSA PreCheck Reimbursement
no
Trip Protections
no
No Foreign Transaction Fees
no
Concierge Services
no
Free Access to Credit Score
no
Annual Fee
$0 Introductory Annual Fee for the first year, then $95
Avg. Min. Credit Score
670-850 *
APR on purchases
-
Ongoing APR
21.99%-28.99% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
2x Airfare

On United flights only; otherwise earn 1X

2x Dining Out / Food Delivery
2x Hotels
1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer

Earn 60,000 United MileagePlus® Miles after spending $3,000 on qualifying purchases in the first three months of opening an account, plus the Annual Fee waived for the first year. Offer ends August 7, 2024.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The United Explorer is one of the best credit cards out there for occasional United flyers. That’s because you’ll get useful perks, such as free first checked bags, priority boarding privileges, a 25% food and beverage discount on board United operated flights, and even get a taste of airport lounge access with two anniversary United Club passes. Plus. the annual fee is waived the first year, then just $95 thereafter.

Consider this scenario: Even if you only fly United a couple of times per year, the Explorer Card is worth it for the free checked bag benefit alone. Keep in mind, this applies to the primary card holder and one companion on the same reservation, as long as you use the card to pay for your ticket. At $35 for one checked bag, and $140 for a round-trip flight for two people, it’s easy to get value that exceeds the card’s annual fee.

In addition to the sign-up bonus earned after account opening, the United Explorer card earns a decent 2X miles on United Airlines purchases, 2X miles on dining, including eligible delivery services, 2X miles on hotel stays when booked with the hotel and 1x miles on all other purchases. Also, the card helps to fast track your United elite status goals with 500 Premier Qualifying Points (PQPs) for every $12,000 you spend on purchases (up to 1,000 PQPs in a calendar year). These PQPs can be applied toward your Premier status qualification — up to the Premier 1K level.

And don’t forget the ability to earn PQPs towards elite status from spend. You’ll earn 25 Premier Qualifying Points (PQPs) for every $500 you spend on purchases – up to 1,000 PQPs per year.

If you’re in need of extra miles besides flying on United flights, keep in mind that Chase Ultimate Rewards points can be transferred to the United Mileage Plus program at a 1:1 ratio to help you top up your miles balance.

While the United Explorer card is a fantastic option for the occasional United flyer, those that travel more often with the airline might want to consider other options, including United’s other, more premium, credit cards.

In more simple terms, the Explorer card fits the “occasional United flyer” once or twice per year mold, while the $250-per-year United Quest fits the “semi-frequent United flyer.” Then, there’s the United Club Infinite Card for the “frequent United flyer.” If you’re looking for a United Club membership and need more than just two one-time passes, you’ll probably be better off with the United Club Infinite Card, which comes with a full United Club membership but also charges the highest annual fee of the United cards at $525.

Read more
Primary Car Rental CDW Waiver
yes
Extended Warranty
yes
Purchase Protection
yes
Travel and Emergency Assistance Services
yes
0% Intro APR on Purchases
no
Does Not Report Credit Line to Personal Credit Profile
no
Roadside Assistance
no
No Fees for Authorized Users
no
Unique Card Benefits
yes
Free Checked Bags
yes
Airport Lounge Access
yes
Priority Boarding
yes
Global Entry / TSA PreCheck Reimbursement
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Concierge Services
yes
Free Access to Credit Score
yes

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