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Chase United Business Card vs United Explorer Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. United Business Card 1.2% 1x base rate
  2. United Explorer Card 1.2% 1x base rate

Dining

  1. United Business Card 2.4% 2x
  2. United Explorer Card 2.4% 2x

Gas

  1. United Business Card 2.4% 2x
  2. United Explorer Card 1.2% 1x base rate

Flights

  1. United Explorer Card 3.6% 3x
  2. United Business Card 1.2% 1x base rate

Hotels

  1. United Explorer Card 2.4% 2x
  2. United Business Card 1.2% 1x base rate

Public transit

  1. United Business Card 2.4% 2x
  2. United Explorer Card 1.2% 1x base rate

Rideshare & taxis

  1. United Business Card 2.4% 2x
  2. United Explorer Card 1.2% 1x base rate

Tolls

  1. United Business Card 2.4% 2x
  2. United Explorer Card 1.2% 1x base rate

What the numbers are doing

Where they differ: United Business Card takes gas, public transit, rideshare & taxis and tolls; United Explorer Card takes flights and hotels.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseUnited Business Card1.2%
DiningUnited Business Card2.4%
GasUnited Business Card2.4%
FlightsUnited Explorer Card3.6%
HotelsUnited Explorer Card2.4%
Public transitUnited Business Card2.4%
Rideshare & taxisUnited Business Card2.4%
TollsUnited Business Card2.4%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. United Business Card — 1.2%
  2. United Explorer Card — 1.2%

Dining

  1. United Business Card — 2.4%
  2. United Explorer Card — 2.4%

Gas

  1. United Business Card — 2.4%
  2. United Explorer Card — 1.2%

Flights

  1. United Explorer Card — 3.6%
  2. United Business Card — 1.2%

Hotels

  1. United Explorer Card — 2.4%
  2. United Business Card — 1.2%

Public transit

  1. United Business Card — 2.4%
  2. United Explorer Card — 1.2%

Rideshare & taxis

  1. United Business Card — 2.4%
  2. United Explorer Card — 1.2%

Tolls

  1. United Business Card — 2.4%
  2. United Explorer Card — 1.2%
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