Cash Rewards Visa Signature Business vs United Explorer
Cash Rewards Visa Signature Business
$0/yr
7.0/10
VS
United Explorer
$150/yr
6.0/10
Quick Answer
Cash Rewards Visa Signature Business charges no annual fee with 1X base rewards. United Explorer charges $150/yr with 1X base rewards. Cash Rewards Visa Signature Business offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Cash Rewards Visa Signature Business
Lower annual fee ($0 vs $150)
Rewards Earning
Cash Rewards Visa Signature Business
4 earning categories
Benefits & Protection
Cash Rewards Visa Signature Business
0 benefits vs 0
Statement Credits
United Explorer
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Cash Rewards Visa Signature Business wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for Cash Rewards Visa Signature BusinessPREMIUM PICK
United Explorer wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ExplorerRewards Earning: Detailed Comparison
Cash Rewards Visa Signature Business
| Gas stations & EV charging | 3.0X |
| Office supply stores | 3.0X |
| Cell phone provider purchases | 3.0X |
| Everything else | 1.0X |
United Explorer
| United Airlines purchases | 2.0X |
| Dining | 2.0X |
| Hotel stays | 2.0X |
| Everything else | 1.0X |
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