United℠ Explorer Card vs United MileagePlus® Club | finder.com
finder.com

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

United℠ Explorer Card vs United MileagePlus® Club card

Earn reward flights with these two frequent flyer cards.

The winner: United℠ Explorer Card

United℠ Explorer Card logo

40,000-mile

Signup bonus after spending $2,000 in first 3 months

  • Global Entry/TSA PreCheck credit
  • Get 2x miles at restaurants, hotels and on United Airlines
  • $0 intro annual fee, then $95
See offer
Avatar
Megan Horner
Updated
Fact checked

The United℠ Explorer Card is a mid-tier card with a $0 intro annual fee the first year, then $95, a generous welcome offer and 2x miles at restaurants, hotels and United purchases. The United MileagePlus® Club card, on the other hand, is a high-end card with a $450 annual fee, a slightly better welcome offer and 2x miles on United and 1.5x miles on all other purchases. With the second card, you also get other premium perks such as United Club membership and first and second checked bags free.

This makes the two cards complementary. If you frequently fly United and you can afford it, consider applying for both cards to maximize their value.

United℠ Explorer Card

United℠ Explorer Card

Terms apply, see rates & fees

United MileagePlus® Club card

United MileagePlus® Club card

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.4 / 5.0 		Not rated yet
Best for
Best for
  • Earning miles in multiple ways for United Airlines
  • Premium United perks
Welcome offer
Welcome offer

40,000 miles after spending $2,000 in the first 3 months, plus 25,000 miles after spending $10,000 in the first 6 months

50,000 miles after spending $3,000 in the first 3 months
Rewards
Rewards

2x miles at restaurants, hotels and United and 1.5x miles on all other purchases

2x miles on United and 1.5x miles on all other purchases
Purchase APR
Purchase APR

16.49% to 23.49% variable

17.99% to 24.99% variable

Annual fee
Annual fee $0 intro annual fee the first year, then $95 $450
Balance transfer APR
Balance transfer APR 16.49% to 23.49% variable 17.99% to 24.99% variable
Cash advance
Cash advance

APR: 24.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 26.49% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $38
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 21 days 21 days
Minimum interest
Minimum interest $0
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Compare United℠ Explorer Card vs. United MileagePlus® Club card

Data updated regularly
Name Product Welcome offer Rewards Annual fee Filter values
United℠ Explorer Card
United℠ Explorer Card
40,000 miles after spending $2,000 in the first 3 months, plus 25,000 miles after spending $10,000 in the first 6 months
2x miles at restaurants, hotels and United and 1.5x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 40,000 miles after spending $2,000 in the first 3 months. Plus an additional 25,000 miles after spending $10,000 in the first 6 months.
See offer
View details
loading

Compare up to 4 providers

Compare Chase credit cards

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site