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CardCurator — Rewards Intelligence
Card Comparison

U.S Bank Business Leverage vs United Explorer

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

U.S Bank Business Leverage card art
U.S. Bank FlexPerks
U.S Bank Business Leverage
U.S. Bank
More Info
United Explorer card art
United MileagePlus
United Explorer
Chase
More Info
Annual Fee
$95/yr
$150/yr
Foreign Fees
3%
None
Signup Bonus
75,000 points
Spend $7,500 in 4 months
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
  • U.S. Bank Travel Center 5x
  • Top 2 Spending Categories (Automatic) 2x
  • All Other 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
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Common Questions: U.S Bank Business Leverage vs United Explorer

Is the U.S Bank Business Leverage or United Explorer better for dining?

U.S Bank Business Leverage has no dining bonus; United Explorer earns 2x on dining.

Which has the higher signup bonus in 2026?

U.S Bank Business Leverage currently offers 75,000 pts signup bonus (spend $7,500 in 4 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?

United Explorer charges no foreign transaction fees — the better pick for international use. U.S Bank Business Leverage charges 3% on foreign purchases.

Can I hold both the U.S Bank Business Leverage 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. U.S Bank Business Leverage is from U.S. Bank and United Explorer is from Chase, so they're governed by separate bank policies.