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United℠ Explorer Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.99% ‐ 27.99% (Variable)
Interest Rate: Purchases
20.99% ‐ 27.99% (Variable)
Balance Transfer
20.99% ‐ 27.99% (Variable)
Balance Transfer
20.99% ‐ 27.99% (Variable)
1 - 2 Miles
1 - 2 Miles
Signup Bonus
50000 miles (after spending $3,000)
Signup Bonus
50000 miles (after spending $3,000)

Informr score
The United℠ Explorer Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 35 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 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 United℠ Explorer Card is the airline’s entry-lever personal credit card. For people who aren’t flying on United multiple times per month, this can be a solid choice. The card's benefits are what makes it really stand out from the crowd. Here’s what you’ll get: One free checked bag for each fligh...

- Kevin Payne, SlickDeals

The United℠ Explorer Card can benefit frequent United Airlines fliers looking for a miles-earning credit card. By using it to pay for your purchases, you can accumulate miles faster. This credit card is also ideal for individuals looking to make international purchases without worrying about foreign...

- Brett Holzhauer, MoneyGeek

If United Airlines is your airline of choice and you tend to travel frequently on business or pleasure, the United℠ Explorer Card is well worth the annual fee of $95 (after the first year) and should be a fine addition to your wallet. The numerous perks, along with the absence of a foreign transacti...

- Jennifer Doss,
One Mile at a Time
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 or TSA PreCheck credit, a first checked bag free, and mu...

- Ben Schlappig, One Mile at a Time


Interest Rates
Regular APR Interest Rate 20.99% ‐ 27.99% (Variable)

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

Balance Transfer Interest Rate 20.99% ‐ 27.99% (Variable)

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

Cash Advance Interest Rate 29.49% (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 $40.00


Sign up bonus 50000 miles after spending $3,000

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

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
  • Free year of DoorDash DashPass
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
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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