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Ink Business Premier® Credit Card vs The New United℠ Explorer Card
This comparison aims to help you make an informed decision between the Ink Business Premier® Credit Card and the The New United℠ Explorer Card. Both cards offer unique benefits tailored to different spending habits and financial goals.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for business owners looking to earn significant cash back on their purchases. With a focus on high spending, especially for larger transactions, this card offers a robust rewards structure and various travel benefits.
The New United℠ Explorer Card
The The New United℠ Explorer Card is ideal for frequent travelers, particularly those who fly United. It offers travel perks such as priority boarding and free checked bags, making it a strong choice for those who prioritize travel rewards and benefits.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | The New United℠ Explorer Card |
|---|---|---|
| Annual Fee | $195 | $0 Intro Annual fee for the First Year, then $150 |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening. | Earn 80,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. |
| Rewards Structure | Unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases. | 2x miles on United® purchases, dining, and hotel stays when booked with the hotel; 1x mile on all other purchases. |
| Foreign Transaction Fee | No | No |
| Additional Benefits | Trip Cancellation/Trip Interruption Insurance, Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, No additional cost for employee cards. | Free first checked bag, priority boarding, United Club℠ access with 2 one-time passes, up to $120 Global Entry or TSA PreCheck® fee credit, and $100 United travel credit after $10,000 in purchases in a calendar year. |
Rewards Highlights
Ink Business Premier® Credit Card
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
The New United℠ Explorer Card
- Debut Offer: Earn 80,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- 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 Premier® Credit Card
- Pros:
- High cash back rates for large purchases.
- No foreign transaction fees.
- Flexible payment options with the Flex for Business feature.
- Comprehensive purchase protections.
- Cons:
- Higher annual fee compared to some other business cards.
- Welcome bonus requires significant spending.
The New United℠ Explorer Card
- Pros:
- Introductory annual fee is waived for the first year.
- Generous bonus miles offer.
- Travel perks like priority boarding and free checked bags.
- Rewards structure favorable for United travelers.
- Cons:
- Annual fee applies after the first year.
- Less rewarding for non-United purchases.
Who Should Consider Which Card?
- The Ink Business Premier® Credit Card is best for business owners who regularly make large purchases and want to maximize cash back rewards, especially on their business expenses.
- The The New United℠ Explorer Card is ideal for travelers who frequently fly United and are looking for travel benefits and rewards associated with airline purchases.
Conclusion
When choosing between the Ink Business Premier® Credit Card and the The New United℠ Explorer Card, consider your spending habits, travel frequency, and how much you value cash back versus travel rewards. Each card has distinct advantages that cater to different user needs.