United℠ Explorer Card review

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Advertiser Disclosure

Interest Rate: Purchases
18.24% ‐ 25.24%
Balance Transfer
18.24% ‐ 25.24%
Rewards
1 - 2 Miles
Signup Bonus
40000 miles (after spending $2,000)


8.1/10
Informr score
The United℠ Explorer Card currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 17 sources including reviews from users and the web's most trusted critics.

Am I eligible?


United℠ Explorer Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Business Insider

Overall, United offers a very strong suite of cards to choose from. The United Explorer Card does a great job at delivering huge value for a reasonable annual fee (that's even waived for the first year). Even if it isn't your main card you use every day, it could still be well worth applying.

- Eric Rosenberg, Business Insider
LendEDU

The United MileagePlus Explorer credit card offers solid for anyone who regularly flies with United and stands to save significantly with free checked bags and lounge passes. Just be sure to compare the card with other options to make sure it’s really the right one for you.

- Christy Rakoczy, LendEDU
The Points Guy

Between free TSA PreCheck, annual lounge visits and Luxury Hotel & Resort Collection access, the card is jam-packed with perks that will enhance your trips from start to finish — not just when you’re in the air. The card’s elevated welcome bonus of up to 60,000 miles is just the cherry on top.

- Benji Stawski, The Points Guy
CreditCards.com

With a generous sign-up bonus, the United Explorer Card makes it easy to earn a free flight quickly; but you’ll have to fly United often to make up for the card’s $95 annual fee.

- Andy Shuman, CreditCards.com
Money Crashers

Heavy spenders get more out of this card (thanks to a miles bonus for spending more than $25,000 in any calendar year), and cardholders who like to travel in comfort are likely to appreciate the slew of travel perks. This card isn’t as useful for people who don’t travel often, don’t live near a Unit...

- Brian Martucci, Money Crashers

Details


Interest Rates
Regular APR Interest Rate 18.24% ‐ 25.24%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.24% ‐ 25.24%

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 27.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $95.00

Waived on the first year.

Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus 40000 miles after spending $2,000

- On purchases within the first 3 months.

- Plus, an additional 20,000 Bonus Miles after you spend $8,000 total on purchases in the first 6 months from account opening.

Rewards
All Purchases 1 mile for $1 spent
Restaurants 2 miles for $1 spent
Gas No
Groceries No
Hotels 2 miles for $1 spent
Travel 2 points per $1 spent

On purchases from United, including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.

Pharmacy No
Bills No
Additional Details

25% back on United inflight purchases

Features & Benefits
Additional Card Holders Yes

Earn 5,000 bonus miles after you add the first authorized user and make your first purchase in the first 3 months from account opening.

Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Additional Benefits
  • Free first checked bag
  • Priority boarding
  • United Club passes
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Trip Cancellation/Trip Interruption Insurance
  • Trip Delay Reimbursement
  • Global Entry or TSA Pre✓ Fee Credit – up to $100 as a statement credit every 4 years
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments Other Names (AKA): Chase United MileagePlus Explorer card

Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Business Insider

Bonus miles, free checked bags, TSA PreCheck, and more

from Business Insider

Overall, United offers a very strong suite of cards to choose from. The United Explorer Card does a great job at delivering huge value for a reasonable annual fee (that's even waived for the first year). Even if it isn't your main card you use every day, it could still be well worth applying.

Read full review

Overall, United offers a very strong suite of cards to choose from. The United Explorer Card does a great job at delivering huge value for a reasonable annual fee (that's even waived for the first year). Even if it isn't your main card you use every day, it could still be well worth applying.

Read full review

Less

LendEDU

A great choice for jet-setters

from LendEDU

The United MileagePlus Explorer credit card offers solid for anyone who regularly flies with United and stands to save significantly with free checked bags and lounge passes. Just be sure to compare the card with other options to make sure it’s really the right one for you.

Read full review

The United MileagePlus Explorer credit card offers solid for anyone who regularly flies with United and stands to save significantly with free checked bags and lounge passes. Just be sure to compare the card with other options to make sure it’s really the right one for you.

Read full review

Less

The Points Guy

Not your run-of-the-mill airline credit card

from The Points Guy

Between free TSA PreCheck, annual lounge visits and Luxury Hotel & Resort Collection access, the card is jam-packed with perks that will enhance your trips from start to finish — not just when you’re in the air. The card’s elevated welcome bonus of up to 60,000 miles is just the cherry on top.

Read full review

Between free TSA PreCheck, annual lounge visits and Luxury Hotel & Resort Collection access, the card is jam-packed with perks that will enhance your trips from start to finish — not just when you’re in the air. The card’s elevated welcome bonus of up to 60,000 miles is just the cherry on top.

Read full review

Less

CreditCards.com

Valuable benefits for frequent fliers

from CreditCards.com

With a generous sign-up bonus, the United Explorer Card makes it easy to earn a free flight quickly; but you’ll have to fly United often to make up for the card’s $95 annual fee.

Read full review

With a generous sign-up bonus, the United Explorer Card makes it easy to earn a free flight quickly; but you’ll have to fly United often to make up for the card’s $95 annual fee.

Read full review

Less

Money Crashers

Ideal for people who regularly fly on United Airlines

from Money Crashers

Heavy spenders get more out of this card (thanks to a miles bonus for spending more than $25,000 in any calendar year), and cardholders who like to travel in comfort are likely to appreciate the slew of travel perks. This card isn’t as useful for people who don’t travel often, don’t live n...More

Heavy spenders get more out of this card (thanks to a miles bonus for spending more than $25,000 in any calendar year), and cardholders who like to travel in comfort are likely to appreciate the slew of travel perks. This card isn’t as useful for people who don’t travel often, don’t live near a United hub, prefer cards with better benefits for everyday spending, or prefer flexible redemption options.

Read full review

Less

NerdWallet

Practical perks, upgraded rewards

from NerdWallet

No credit card is a must-have, but if you’re a frequent flyer on United, the United Explorer Card is easy to justify. Its free checked bags and lounge access passes alone can compensate for the annual fee. But if you spread your flying among several airlines, a cash-back or general travel credit card might serve you better.

Read full review

No credit card is a must-have, but if you’re a frequent flyer on United, the United Explorer Card is easy to justify. Its free checked bags and lounge access passes alone can compensate for the annual fee. But if you spread your flying among several airlines, a cash-back or general travel credit card might serve you better.

Read full review

Less

Credit Card Insider

Can provide cardholders with a wealth of miles

from Credit Card Insider

The United MileagePlus Explorer Card is good for flying United, but if you want more or different benefits you can check out some alternatives.

Read full review

The United MileagePlus Explorer Card is good for flying United, but if you want more or different benefits you can check out some alternatives.

Read full review

Less

Get.com

One of the best airline credit cards on the market

from Get.com

United MileagePlus® Explorer Card is a great choice of card for those who fly often on United and want to earn frequent flyer miles on everyday purchases.

Read full review

United MileagePlus® Explorer Card is a great choice of card for those who fly often on United and want to earn frequent flyer miles on everyday purchases.

Read full review

Less

ValuePenguin

A good card for dedicated United Airlines customers

from ValuePenguin

We recommend the United MileagePlus® Explorer Card for high spenders, who travel with United Airlines at least twice a year (and are checking bags). If you want greater freedom, and the option to travel with other airlines, or to use your rewards to book hotel stays, check out the Chase Sapphire Preferred® Card.

Read full review

We recommend the United MileagePlus® Explorer Card for high spenders, who travel with United Airlines at least twice a year (and are checking bags). If you want greater freedom, and the option to travel with other airlines, or to use your rewards to book hotel stays, check out the Chase Sapphire Preferred® Card.

Read full review

Less

Finder

A good choice if you’re a regular United flyer

If you’re willing to wait for Saver Awards — and you’re a regular United flyer — you’ll get a lot of value from the United MileagePlus Explorer card.

Read full review

If you’re willing to wait for Saver Awards — and you’re a regular United flyer — you’ll get a lot of value from the United MileagePlus Explorer card.

Read full review

Less

User Reviews


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