Trip cancellation/interruption insurance reimburses the cost of your trip if it’s cancelled or ended early by factors out of your control. Rental car insurance provides primary coverage for damage related to collision or theft. You can get reimbursed up to the cash value of the car. Purchase protection covers new purchases against damage and theft; coverage amounts vary by card. Extended warranty adds an additional year to the U.S. manufacturer's warranty. Visa concierge is customer-service line that operates 24/7 and helps you with special requests like finding tickets and making dinner reservations.
Some United credit cards have additional benefits. Examples include trip delay insurance, travel accident insurance and baggage insurance. They may also offer extended warranties on purchases and price protection. Some United cards even give free checked bags, priority boarding on United flights and/or complimentary airport lounge access.
It’s also worth noting that all United credit cards are issued as Visa Signature or Visa Infinite cards. That means they all come with either Visa Signature or Visa Infinite benefits.
My favorite United credit card benefit is the initial rewards bonus you get for signing up. It’s not considered a traditional “benefit.” But it’s still a valuable perk. The United Explorer Credit Card has a big bonus. It offers 60,000 miles after spending $3,000 in the first 3 months, plus 10,000 miles after spending a total of $6,000 in the first 6 months.
The best United credit card is the United Explorer Credit Card because it rewards new cardholders with 60,000 bonus miles for spending $3,000 in the first 3 months. Plus, making $6,000 total in purchases within 6 months will get you an additional 10,000 bonus miles.
The United Explorer Credit Card card also gives two one-time United Club passes after account opening and every account anniversary. The card has a $0 intro annual fee for the first year, but charges $95 after that.… read full answer
To learn more about the rest of your options, check out WalletHub's in-depth United Airlines credit card comparison. This review includes picks for the best United credit card by category, for different types of applicants.
The United Explorer Card’s benefits include a free checked bag on United flights, 25% cash back on in-flight purchases, United Club passes each year, and 60,000 miles after spending $3,000 in the first 3 months, plus 10,000 miles after spending a total of $6,000 in the first 6 months. You’ll also earn 2 miles per $1 spent on United purchases and at restaurants and hotels, and 1 mile per $1 spent on all other purchases.… read full answer
There are several other United Explorer Card travel benefits, too. They include rental car insurance, trip delay reimbursement, and a Global Entry/TSA PreCheck credit. You’ll also get purchase protection and extended warranties on items you buy with the card, among other perks.
Top United Explorer Card benefits:
Free checked bag: Applies to cardholder and 1 companion on same United reservation.
Priority boarding: Cardholder and all companions on same United reservation are eligible.
25% cash back: On all United in-flight food, beverage and Wi-Fi purchases.
United Club passes: 2 one-time lounge passes per year (when you open your account and on every anniversary).
Up to $100 fee credit: For the Global Entry or TSA Pre-Check application fee. These programs expedite airport security and you can receive the credit every 4 years.
Initial bonus of 70,000 miles: 60,000 miles after spending $3,000 in the first 3 months, plus 10,000 miles after spending a total of $6,000 in the first 6 months
Last seat availability: Cardholders have unrestricted access to book flights with miles, even when it’s the last seat on the plane.
Rental car insurance: Covers vehicles up to their cash value. Certain vehicles and situations (e.g. reckless/intoxicated driving) are not eligible.
Trip cancellation / delay insurance: $1,500 per person and $6,000 per trip for cancellation by something out of your control (e.g. sickness or injury). $500 per ticket for trips delayed more than 12 hours.
Luggage insurance: $3,000 per passenger for lost luggage. $100 per day for baggage delayed for 6+ hours.
Purchase protection: Up to $10,000 per claim and $50,000 per year. Applies to items you buy with your card that get damaged or stolen.
Extended warranty: 1 extra year of warranty on items you buy with your card that start with warranties of 3 years or less.
2 points per $1 spent: On restaurant and hotel purchases. 1 point per $1 on all other purchases.
Luxury Hotel & Resort Collection benefits: Including breakfast for two, complimentary Wi-Fi, and special gifts unique to each property. Special gifts include dining or spa credits, room upgrades, and late checkout.
Annual fee waiver: $0 intro 1st yr, $95 after.
No foreign transaction fees: You won’t have to pay extra if you buy something from a foreign merchant in person or online.
As you can see, there are a lot of United Explorer Card benefits to take advantage of. If you use them all, you should get back much more than your annual fee in value each year.
The Chase credit card credit score requirement is "good" (a score of 700, at a minimum) or "excellent" (a score of 750, at a minimum), depending on the card. Most Chase cards require at least good credit (a score of 700+), including the Amazon.com Credit Card, the Chase Freedom Flex℠card, and the Ink Business cards. There are also several Chase credit cards that require excellent credit, including the … read full answerChase Sapphire Reserve® card. Chase does not offer credit cards for fair credit or lower credit scores at this time.
It is possible to get approved for a Chase credit card with a credit score lower than 700. Your chances are best if you have a high income and not much debt. Chase also looks at your employment status, housing information, credit history, payment history and more. These factors, combined with your credit score, will ultimately determine your creditworthiness. But the higher your credit score is above 700, the better your Chase credit card approval odds will be.
Major Chase credit card credit score requirements:
Chase hotel cards: Good Credit. World of Hyatt Credit Card, for instance, requires a credit score of 700 at a minimum. That means you need good credit or better for approval.
Most Chase airline cards: Good Credit. United Quest℠ Card, for instance, requires a credit score of 700 at a minimum. That means you need at good credit or better for approval.
Be sure to check your credit score regularly to assess your chances of meeting the Chase credit card credit score requirements. Chase also has an online pre-approval tool that gives you an indication of how well your credit stacks up without having to formally apply.
You'll know within seconds if you're pre-approved for any Chase credit cards. There's no guarantee you'll be approved if you apply, but the odds are on your side. Pre-approvals are done using a soft inquiry or "soft pull" on your credit report, which means there's no effect on your credit score. However, if you decide to actually apply for a card, Chase will perform a hard inquiry, which may cause a slight dip in your credit score.
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