Card Comparison
Atmos Rewards Business vs United Explorer
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$99/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $4,000 in 3 months
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
- All Purchases 1x
- United Purchases 2x
- Restaurant Purchases 2x
- Hotel Stays 2x
Reward Type
miles
miles
Key Credits
None
- Statement Credit $5
- Statement Credit $50
- Statement Credit $50
- +1 more
Card Perks
None listed
- 2 United Club one-time passes per year
Transfer Partners
No transfer partners
No transfer partners
Common Questions: Atmos Rewards Business vs United Explorer
Is the Atmos Rewards Business or United Explorer better for dining?
Atmos Rewards Business has no dining bonus; United Explorer earns 2x on dining.
Which has the higher signup bonus in 2026?
Atmos Rewards Business currently offers 75,000 pts signup bonus (spend $4,000 in 3 months). United Explorer offers 85,000 pts signup bonus (spend $3,000 in 3 months). United Explorer has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Atmos Rewards Business and the United Explorer?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Atmos Rewards Business is from Bank of America and United Explorer is from Chase, so they're governed by separate bank policies.