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United℠ Explorer Card vs United MileagePlus® Club card

Earn reward flights with these two frequent flyer cards.

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Megan Horner
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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.

Unitedâ„  Explorer Card

Unitedâ„  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

Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.

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
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