All comparisons
Head-to-head, 2026
Chase United Business Chase United Explorer
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Chase
United Business
- Annual fee
- $150
- Network
- visa
- Welcome value
- —
- Min spend
- $5,000 / 3mo
Top earning rates
- 8×Eligible United flights · MileagePlus
- 2×Gas stations · MileagePlus
- 2×Office supply stores · MileagePlus
- 2×Local transit · MileagePlus
Key benefits
- Emergency Evacuation and Transportation · $1000000
- Travel Accident Insurance · $500000
- Purchase Protection · $10000
- Lost Luggage Reimbursement · $3000
- Trip Delay Insurance · $500
Chase
United Explorer
- Annual fee
- $150
- Network
- visa
- Welcome value
- —
- Min spend
- $3,000 / 3mo
Top earning rates
- 9×Eligible United flights
- 3×All other eligible United® purchases
- 2×Hotel stays when booked directly with the hotel
- 2×Dining
Key benefits
- Free first checked bag · $200
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
- $100 JSX Statement Credit · $100
- $100 United travel credit (Spend Tier) · $100
- United Hotels credits · $100
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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