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Ink Business Preferred® Credit Card vs The New United℠ Explorer Card
This comparison aims to help users decide between the Ink Business Preferred® Credit Card and the The New United℠ Explorer Card. Both cards offer unique benefits tailored to different financial needs and spending habits.
Card Overviews
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is designed for business owners who want to maximize their rewards on everyday business expenses. With a high earning potential on select categories and robust travel benefits, this card is ideal for those who frequently travel for work and want to leverage their spending into valuable rewards.
The New United℠ Explorer Card
The The New United℠ Explorer Card targets frequent United Airlines travelers, offering valuable benefits such as priority boarding, free checked bags, and access to United Club lounges. The card is perfect for those who prioritize airline perks and want to earn miles on their travel purchases.
Detailed Feature Comparison
| Feature | Ink Business Preferred® Credit Card | The New United℠ Explorer Card |
|---|---|---|
| Annual Fee | $95 | $0 Intro Annual fee for the First Year, then $150 |
| Welcome Bonus | Earn 90k bonus points after you spend $8,000 in the first 3 months | Earn 80,000 bonus miles after you spend $3,000 in the first 3 months |
| Rewards Structure | 3 points per $1 on first $150,000 spent in select categories, 1 point on all other purchases | 2x miles on United purchases, dining, and hotel stays, 1x on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Purchase Protection, Zero Liability, Points worth 25% more on travel | Free first checked bag, priority boarding, up to $120 fee credit for Global Entry or TSA PreCheck |
Rewards Highlights
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year.
- Earn 2x miles on United® purchases, dining, and hotel stays when booked with the hotel.
- 1x mile on all other purchases.
Pros and Cons
Ink Business Preferred® Credit Card
- Pros:
- High rewards on business-related expenses
- Flexible redemption options for points
- Robust travel and purchase protections
- Cons:
- Annual fee may not appeal to occasional users
- Higher spending requirement for bonus points
The New United℠ Explorer Card
- Pros:
- Great benefits for United Airlines travelers
- Introductory annual fee
- Valuable perks like free checked bags and priority boarding
- Cons:
- Rewards are limited to United-specific purchases for higher earnings
- Annual fee kicks in after the first year
Who Should Consider Which Card?
- Ink Business Preferred® Credit Card: Ideal for business owners who spend significantly on travel and select categories, looking for flexible point redemption and added protections.
- The New United℠ Explorer Card: Best for frequent United Airlines travelers who want to earn miles while enjoying airline-specific perks like free checked bags and lounge access.
Conclusion
Choosing between the Ink Business Preferred® Credit Card and The New United℠ Explorer Card depends on your individual needs and spending habits. Consider what features align best with your financial goals and travel preferences before making a decision.