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United Explorer Credit Card

United Explorer Credit Card

Rewards600Reviews33Q&AContact

Excellent Credit, Good Credit

Annual Fee

$0 intro 1st yr, $95 after

Rewards

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months.

Earn 2 miles per $1 spent on eligible purchases from United, at restaurants, eligible delivery services (including GrubHub, Caviar, Seamless and DoorDash) and on hotel accommodations when purchased directly with the hotel.

Earn 1 mile per $1 spent on all other purchases.

Receive 25% back as a statement credit on United inflight purchases. And up to $100 Global Entry, TSA PreCheck™ or NEXUS fee credit.

Free first checked bag (save up to $140 per roundtrip) for primary cardmember and one companion traveling on the same reservation.

Enjoy two United Club one-time passes (over a $100 value), after account opening and each year for your Cardmember anniversary.

Priority boarding, Premier upgrades on award tickets (when available) and no blackout dates.

Earn 500 PQP for every $12,000 you spend on purchases, up to 1,000 PQP in a calendar year.

Earn up to 100,000 bonus miles per year with 10,000 bonus miles for each friend you refer that gets approved for the Credit Card.

APR on Purchases

20.99% - 27.99% (V)

Balance Transfer

APR: 20.99% - 27.99% (V)

Balance Transfer Fee 5% (min $5)

WalletHub Review

United Explorer Credit Card Pros & Cons

High rewards rate

50,000 miles initial rewards bonus

No membership fees first year

No foreign fee

Membership fees in the second year

No intro APR on purchases

No intro APR on balance transfers

Requires good/excellent credit

United Explorer Credit Card's Additional Info

cash advance fee

5% (min $10)

cash advance APR

29.49% (V)

foreign transaction fee

smart chip

Yes, chip-and-PIN

max late fee

$40

max overlimit fee

max penalty APR

29.99% (V)

grace period

21 days

Room Upgrades and Special Amenities with The Luxury Hotel & Resort Collection program.

Travel & purchase coverage built-in benefits.

If approved for an account, your credit access line will be at least $5,000.

Complimentary Visa Signature® Concierge Service 24 hours a day.

United Explorer Credit Card Q&A

Can't find what you are looking for? Submit your question about United Explorer Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

What are the United Explorer Card benefits?

Upvotes

Jeff Pratley, WalletHub Credit Card Advisor

The best United Explorer Credit Card benefits are baggage insurance, along with trip cancellation and interruption insurance. The United Explorer Credit Card also has rental car insurance and extended warranty, which are slightly more common perks.

In addition to its many benefits, the United Explorer Credit Card also offers extensive rewards. New cardholders get 50,000 miles for spending $3,000 in the first 3 months. In addition, the card also offers ongoing rewards: 2 miles per $1 spent with United, restaurants, hotels and eligible delivery services, and 1 mile per $1 spent on all other purchases.

United Explorer Credit Card Benefits

Rewards: Initial bonus of 50,000 miles; Ongoing rewards consisting of 2 miles per $1 spent with United, restaurants, hotels and eligible delivery services, and 1 mile per $1 spent on all other purchases; discounts for inflight purchases and statement credit for Global Entry or TSA PreCheck application fees.
Rental car insurance
Roadside assistance
Baggage Delay insurance
Lost luggage reimbursement
Purchase protection
Travel accident insurance
Trip cancellation and interruption
Trip delay reimbursement
Concierge services

To view details for each of these benefits, including coverage information and how to claim them, consult your United Explorer Credit Card guide to benefits.

The United Explorer Credit Card has an annual fee of $0 intro 1st yr, $95 after, but its extensive rewards and benefits can offset this cost and bring added value. As long as you're a frequent United flyer and have good credit or better (a score of 700+), the United Explorer Credit Card is certainly a card to consider adding to your wallet.

View more answers

How can I get the United Explorer Card 50k bonus?

Upvotes

Sydney Garth, Credit Cards Moderator

You can no longer get the United Explorer Credit Card 50k bonus as the card now offers a higher bonus; 50,000 miles for spending $3,000 in the first 3 months. You are eligible for this bonus if you have not received a United Explorer Credit Card initial bonus within...

How can I reach the United Explorer card customer service?

Upvotes

Rhonda Stewart, WalletHub Loans Analyst

You can reach the United Explorer Credit Card customer service online or by calling (800) 888-8756.

Here's how to contact United Explorer Credit Card customer service:

Online: Log in to your online account to send secure messages.
Via phone: You can contact the Chase...

Can I still get the United Explorer Card 70k miles offer?

Upvotes

Maria Adams, Credit Cards Moderator

No, you cannot get the United Explorer Credit Card's 70k miles offer anymore, as it is no longer available. The card currently offers a signup bonus of 50,000 miles for spending $3,000 in the first 3 months.

Keep in mind that you will not be eligible for...

How much is the United Explorer card annual fee?

Upvotes

Maria Adams, Credit Cards Moderator

The United Explorer Credit Card annual fee is $0 for the first year and $95 after that. The annual fee, though, isn't the only fee you need to worry about with the United Explorer Credit Card.

Important United Explorer Credit Card Fees

Annual Fee: $0...

What credit score is needed for the United Explorer card?

Upvotes

Sydney Garth, Credit Cards Moderator

A good credit score is needed for the United Explorer Credit Card. When processing your application, the issuer will also look at your income and existing debts, not only your score. Based on these and a couple of other factors, it will either deny or approve you for a...

How does the United Explorer card's TSA PreCheck benefit work?

Upvotes

Maria Adams, Credit Cards Moderator

The United Explorer Credit Card TSA PreCheck benefit provides $85 in statement credit to cardholders who charge the program's application fee to this card.

TSA PreCheck is a program that helps expedite people's way through security at airports. To get the benefit with the United Explorer Credit Card,...

What does PQP mean for my United Explorer card?

Upvotes

Maria Adams, Credit Cards Moderator

What PQP means for your United Explorer Credit Card is "Premier Qualifying Points." This is a term United uses for qualification levels for the MileagePlus status. PQP are awarded based on the amount you spend with your United Explorer Credit Card. More specifically, with this card, you earn 500...

How does the United MileagePlus Explorer card rental car insurance work?

Upvotes

Maria Adams, Credit Cards Moderator

The United Explorer Credit Card rental car insurance covers damages caused by theft or collision for up to the actual cash value of most rented vehicles. In order to qualify for the coverage, you must pay for the rental entirely with your United Explorer Credit Card and decline any insurance...

How does the United MileagePlus Explorer card's priority boarding benefit work?

Upvotes

Terry Rivera

The United MileagePlus Explorer priority boarding benefit allows the primary card member and companions traveling on the same reservation to get priority boarding on their United flights.

To receive priority boarding, the primary card member must include their MileagePlus number in their reservation.

Compare The United Explorer Credit Card

United Explorer Credit Card

Citi® / AAdvantage® Executive World Elite Mastercard®

Delta SkyMiles® Blue American Express Card

(600)

(217)

(53)

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR20.99% - 27.99% (V)

Regular APR20.49% - 29.49% (V)

Rewards Rate1 - 2 miles / $1

Apply Now

Rates & FeesTerms Apply

United Explorer Credit Card Reviews

Share your insights and review the United Explorer Credit Card

3.6

What's Your Rating?

Nuno
November 26, 2021 • @nunom

Verified Customer

Great card with great benefits. This partnership is one of the best in the market. Even with the annual fee, the benefits compensate for it.

Comment

Dale
August 14, 2021 • @dalef_21

Verified Customer

Chase automatically approved me for pretty much any of their cards, and I selected this one for the 70,000 mile sign-up bonus and due to the fact that United is the most prominent major airline in our West Coast service area. From my experience so far, Chase really treats their good customers well! I’ve been impressed!

Comment

julio martinex
April 20, 2020 • @torod87429

“60k bonus for 3k spend” offer is extended through end of April. Also as mentioned before from slickdeals: Get an extra bonus 2500 miles if you go through unitedexplorercard.com/inflight
promotion code: UA3478.

Just found out United Miles dont expire anymore like they used to which is good. This card was handy for the boarding priority and free checked bag.

Going to keep it for a year and see how I can cash out the miles.

Car rental insurance is sweet for a 95$ card

Comment

nik desai
February 4, 2020 • @nikesh_desai

Worst customer service, get an AMEX. Disputed a charge where merchant clearly over charged thousands of dollars. They hardly helped, reposted the bill without recontacting me with interest! Their policies are rigid and favor the merchant, not their individual customers...and after 20 years of doing business with them.

Comment

Bobby Jones
May 1, 2019 • @bobbyj_35

Verified Customer

So far, I've really liked this card. I'd wanted it for a long time because I travel a lot with United, and the perks are just what I need; however, I was ineligible for a long time because of Chase's 5/24 rule. Once I was below 5/24, I had to wait a couple weeks until the first day of the 25th month to apply. I was approved with a initial limit of $18,700, which was surprising. What I don't like is that they pulled both my Equifax and Experian reports. My Equifax score FICO was 715 and my Experian FICO was 700. My utilization was at 7%. Keep in mind that to get the free checked bag and priority boarding on United flights, you must have booked your flight with this card. Just recently, I got behind a guy at the airport who was irate with a check-in agent because he had booked his flight with another card, but because he had a United Explorer card that he could show her, he expected to be able to check his bag for free and board early. Unfortunately, it doesn't work that way. That's pretty much on par with all travel rewards cards.

Comment

Liz Marquez
January 13, 2018 • @Emarquez

*** BEWARE OF UNITED MILEAGE PLUS CARD ***
Paid with my United Mileage Plus Explorer Credit Card for kitchen and bathrooms cabinets to Kitchen Classics in Pleasant Hill, California, a company who after a few months of false promises didn't deliver the cabinets and closed for business. After notifying United Mileage Plus Card about the closure and the fact that numerous customers have been defrauded, I requested a refund but this card declined my request and doesn't want to reimburse several thousand dollars I had paid them. BEWARE, United Mileage Plus Credit Card will not stand behind it's customers and couldn't care less about consumer protection

Comment

David Reynolds
December 20, 2017 • @davidhr

Verified Customer

We have had this card for 2 years now. I am still paying for trips a year and a half ago! The interest alone is killing us. I make $400.00 a month payments. Double the payment amount and I see that I am still at $15,000 a almost two years later! So, $267.98 goes to interest. $132.02 goes to the balance. Interest is applied to the membership few, and with the annual cost of $95.00 IM DONE! I tap out! This last summer me and my wife paid cash for our trip and it was so nice to not come home with HIGH scamming BILLS waiting! Chase is a scam. A bunch of extortionists!! You can pay for your whole trip by cash and use your debit card to rent cars hotel, and flight tickets. Hold onto your money and run away from these credit card companies!

Comment

Leila McDowell
May 15, 2016 • @leilam_1

This card cost me over $60 after a merchant double billed me. Unlike great cards like Discover, they would not take up the dispute because it was not posted in 60 days. They made no effort, kept me on hold forever and basically said tough luck. Discover on the other hand will take up a dispute anytime and make sure it is investigated without any bureaucracy or hesitancy. I closed my United account. The customer service was also horrible as they always kept me waiting for inordinate amounts of time

Comment

Daniel Laurie
May 3, 2016 • @daniell_26

What is the point of having miles and then you book a rewards flight upgrade only to be told at the gate you did not get the upgrade? This is a really terrible system. Flying with BA or Virgin if you book an upgrade you get it. I will be taking my business elsewhere it really is a waste of time.

Comment

LJ Decker
February 5, 2016 • @ljd

I signed up for this card based on a 50,000 mile offer if I spent $3,000 within the first three months. To my surprise I got a letter after already nearing that limit in the first month (I have five kids) which stated that I was not eligible for the promotion.

The very promotion that enticed me to sign up for the card. This is known as fraud. I was fraudulently induced into signing up for a credit card, which I then set up for all my auto bill pays and such. I would not have signed up for this card absent the bonus, so I cancelled it today after the customer service rep (in a fairly rude fashion) told me there was nothing he could do.

Comment

Review United Explorer Credit Card

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United Explorer Credit Card

United Explorer Credit Card

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

WalletHub Review

United Explorer Credit Card Pros & Cons

United Explorer Credit Card's Additional Info

United Explorer Credit Card Q&A

Compare The United Explorer Credit Card

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