United℠ Explorer Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.49% ‐ 23.49% (Variable)
Balance Transfer
16.49% ‐ 23.49% (Variable)
1 - 2 Miles
Signup Bonus
40000 miles (after spending $2,000)

Informr score
The United℠ Explorer Card currently has an Informr score of 8.5 out of 10. This score is based on our evaluation of 23 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...


The United Explorer Card is one of the best all-around travel credit cards. If there was one co-branded airline credit card that I had to choose, it would be this card. Obviously, if you don’t fly United this card will have much less value for you but it’s hard to deny all of the value packed into t...

- Daniel Gillaspia, UponArriving

The United Explorer card offers United enthusiasts plenty of value, as is expected. But, despite its $95 annual fee after the first year, it’s also a card with appeal to those who don’t have a favorite airline and are willing to consider a branded airline card.

- Ben Luthi, Investopedia
The Simple Dollar

As long as you fly with United every now and then, the United℠ Explorer Card should be worth the annual fee. While there are better rewards rates with other travel cards, the travel benefits with the United℠ Explorer Card makes it a promising choice.

- Kristie Kwok, The Simple Dollar
One Mile at a Time

The United Explorer Card is one of the most benefits-rich airline credit cards out there. For a low $95 annual fee (which is even waived for the first year) you get two United Club passes annually, savings on inflight purchases, a Global Entry credit, a first checked bag free, and much more.

- Ben, One Mile at a Time
The Wirecutter

United Airlines passengers enjoy a sampling of nice perks and bonuses that other, similar airline cards don’t offer.

- Ben Luthi, The Wirecutter


Interest Rates
Regular APR Interest Rate 16.49% ‐ 23.49% (Variable)

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

Balance Transfer Interest Rate 16.49% ‐ 23.49% (Variable)

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

Cash Advance Interest Rate 24.99% (Variable)

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 $39.00


Sign up bonus 40000 miles after spending $2,000

On purchases within the first 3 months.

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 miles for $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

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
Virtual Cards 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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments Other Names (AKA): Chase United MileagePlus Explorer card

Terms & Conditions Official Terms & Conditions
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