Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

United℠ Explorer Card review

Last updated:  

Find United perks without a premium annual fee.’s rating: 4.4 / 5


  • Get this card if you want United perks like free first checked bag, priority boarding and two United Club one-time passes each year.
  • Pick a general travel card if you want to earn and redeem miles on a variety of airlines.
  • Apply with a good to excellent credit score of 670 to 850.


Miles as welcome offer

Up to 2x



Annual fee

for the first year ($95 thereafter)

16.49% to 23.49%

Purchase APR (variable)


Product NameUnited℠ Explorer Card
Card typeVisa
Annual fee$0 intro annual fee for the first year ($95 thereafter)
Purchase APR16.49% to 23.49% variable
Balance transfer APR16.49% to 23.49% variable
Balance transfer fee$5 or 5% of the transaction, whichever is greater
Cash advance rate24.99% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 21 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$0
Rates & feesrates & fees

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report,, Lifehacker and He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.

Expert review

Occasional and frequent United flyers who don’t want to pay a premium annual fee but still get valuable United perks, should consider theUnited Explorer. Starting with a $0 intro annual fee for the first year, then $95, you get to earn miles on your purchases, which you can redeem toward United flights, seat upgrades, United Club membership and more.

The card’s signup bonus is also worth mentioning, because depending on what you redeem it for — you can get a value of between $520 and $1,200. This is way above competitor airline cards and even some general travel cards.

As far as United perks go, you get your first checked bag free on United-operated flights, priority boarding and 25% savings on in-flight purchases. These are standard features for a cobranded airline card. However, the United℠ Explorer Card goes a step further and adds two annual one-time United Club passes, as well as a credit every four years for your Global Entry or TSA PreCheck application. Both are welcome additions that set this airline card apart.

How to apply for the United℠ Explorer Card

  1. Learn more about how to apply for United℠ Explorer Card.
  2. Complete the application with details like your name, address, annual income and Social Security number. Then review your application and submit it.

How long will it take to get my United℠ Explorer Card?

Because conditional approval is automated on the Chase website, you’ll often get a decision immediately. In some cases, you’ll need to wait a few days to a few weeks to receive a response.

If you’re approved, look for your card in the mail within seven to 10 days.

The perks

  • Rewards.
    Earn 2x miles at eligible restaurants and on hotel stays booked directly with the hotel. Earn 2x miles on such United purchases as flight tickets and in-flight food, beverages and Wi-Fi. Earn 1.5x miles on all other purchases.
  • Signup bonus.
    Spend $2,000 with the card in the first 3 months from signup to earn 40,000 bonus miles. These miles can go a long way. For example, a round trip Economy flight between Los Angeles (LAX) and New York (JFK) costs 29,000 miles. But you can get the best value if you redeem your miles for limited-time deals where your miles can be worth up to 3 cents. For example, you can get a one-way Economy flight between San Francisco (SFO) and Tokyo (NRT) for 35,000 miles, which typically costs around $1,100.

United perks

  • Discounts on eligible in-flight purchases.
    Get 25% back as statement credit when you buy food, beverages or Wi-Fi with your United℠ Explorer Card on a United flight or a United’s partner airline.
  • First checked bag free.
    Purchase a trip on a United flight or a United partner airline with your United℠ Explorer Card so you and one travel partner on the same reservation can each check one bag free. That’s a $140 saved for two in one round trip.
  • Priority boarding.
    Purchase a trip on a United flight or a United’s partner airline with your card to get priority boarding for you and travel partners on the same reservation. You’ll board in Group 2 before general boarding. MileagePlus Premier members, preboarding and Group 1 board first.
  • Free United Club access twice a year.
    Get two United Club one-time passes each card year. Normally, a one-time pass costs $59. This perk alone offsets the annual fee.
  • Global Entry or TSA PreCheck application fee credit.
    Pay your application fee with your United℠ Explorer Card to receive up to a $100 statement credit for your Global Entry or TSA PreCheck application every four years. You would typically find this benefit only with premium cards that cost hundreds of dollars each year.
  • The Luxury Hotel Resort Collection.
    Book a stay with your card for complimentary daily breakfast for two, complimentary Wi-Fi, early check-in, late checkout on availability and an exclusive benefit, depending on the property.
  • United MileagePlus events.
    Redeem your miles for such special events as private winemaker dinners, live theater shows and museum experiences.
  • No foreign transaction fees.
    You’ll pay no transaction fee for using your card abroad or on a foreign website.
  • Visa Signature Concierge.
    Call 24 hours a day for help with reservations, finding gifts, securing tickets to exclusive shows and more.
  • Travel and purchase coverage.
    Pay for your trip or retail purchase with your United℠ Explorer Card to qualify for coverage.

Case study: Megan’s experience

profile pic

Megan Horner
Credit Cards Publisher

I was able to take two roundtrip flights just using the sign up bonus on this card. One was from San Francisco to Austin and the other was from San Francisco to Atlanta, both pretty long flights. I ended up saving $800 total, which is the most mileage I’ve gotten out of a sign up bonus.

Unfortunately, I haven’t gotten a ton of usage from the United-specific perks — like free checked bags and priority boarding. Mostly because you have to buy directly from the airline to get these perks, and I often find cheaper United flights through third-party travel sites. Also, you have to be a primary user to get these perks. So even though my husband’s an authorized user, he can’t use the perks if he flies United without me.

The lounge passes are pretty sweet though. Just know that once you start visiting lounges, you might start thinking it’s worth getting a card that offers more or unlimited lounge visits — I definitely did. The other perk I’ve used is the Global Entry credit, which also gives you TSA Precheck, and it’s another one I won’t go back on. All in all, there are some good perks, even if you’re not an exclusive United flyer.

What to watch out for

  • Annual fee.
    The card comes with a $95 starting from your second card year. However, using the card’s perks is more than enough to cover the annual fee and get rewards on top.
  • Purchase directly from hotels to earn 2x miles from hotel spending.
    You might not earn accelerated rewards when you book through third-party travel sites.
  • Use your United℠ Explorer Card to qualify for statement credit, purchase protection and travel insurance.
    You won’t qualify if you use a different card.

Is the $95 annual fee worth it?

According to our valuation at the time of writing, United miles are worth an average 1.5 cents each when redeemed for flights. You’ll need to earn 6,334 miles to break even, which you can do with spending in reward tiers. The annual fee is worth it if you think your spending will amount to enough miles.

See spending breakdown
CategoriesRewardsHow much you need to spend
Restaurants, eligible hotel stays, United purchases2x miles$3,167
Other purchases1.5x miles$6,334

Of course, you’ll probably spend in both 2x- and 1.5x-mile categories, affecting your rewards breakdown.

See spending breakdown
CategoriesRewardsHypothetical spendingMiles earned
Restaurants, eligible hotel stays, United purchases2x miles$1,5003,000
Other purchases1.5x miles$4,3084,308

Other United℠ Explorer Card perks that might offset the annual fee

See values from card benefits
BenefitPotential annual value
Free first checked bag (4 one-way flights a year)$140
Annual United Club passes$118
25% back as statement credit$25
Global Entry application fee credit$20
Priority boarding$60

According to these calculations, you could get $363 of value from the card’s benefits. This doesn’t include potential value from perks like Luxury Hotel & Resort Collection stays, purchase protection and travel insurance.

Compare travel credit cards

The United℠ Explorer Card is an excellent card if you fly United at least few times each year. But travelers who tend to switch airlines often may find a better value from a general travel card. For example, the Chase Sapphire Preferred® Card has a similar annual fee, but it lets you earn 2x points on multiple airlines not just United. And should you decide to fly United and you get a better deal via the MileagePlus portal, you can transfer your Chase points to United miles in a 1:1 ratio.

Compare the cards in the table to see if you may find a better alternative to the United℠ Explorer Card.

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Hilton Honors American Express Card
80,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
Luxury Card Mastercard® Titanium Card™
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.

Compare up to 4 providers

What should I know before I apply?

To apply for the United℠ Explorer Card, you must be at least 18 years old (19 in Alabama and Nebraska, 21 in Puerto Rico).

Information you’ll need

  • Full name
  • Mailing address and residential status
  • Date of birth, mother’s maiden name and Social Security number
  • Phone number and email address
  • Total gross annual income and primary source of income
  • Optional: MileagePlus number

What credit score do I need?

You’ll have a better chance of being approved for the United℠ Explorer Card if you apply with a good to excellent credit score of 670 or higher.

United℠ Explorer Card reviews and complaints

Cardholders often say they’re pleased with priority boarding and free checked baggage. Others say they’ve had difficulty with approval for their travel insurance claims.

JPMorgan Chase Credit Card is not accredited by the Better Business Bureau (BBB). However, it currently earns an A+ rating from the agency.

The bank has an average customer review score of just over 1 star. It has more than 2,100 complaints, most of which have been answered or resolved according to the BBB.

I got the card. Now what?

  • Make payments on time. You can pay your card bill online at the Chase website. You can also enroll in autopay.
  • Avoid interest payments. After the close of each billing cycle, you have a grace period of 21 days to pay your balance. If you do, you won’t pay interest on your purchases. Of course, this assumes you haven’t carried a balance from the previous billing cycle.
  • Avoid fees. Late and returned payments come with hefty fees of up to $39. Balance transfers and cash advances also come with fees.
  • Contact customer service. If you have questions, you can contact Chase support by phone, email or Twitter.

How do I redeem miles using the United℠ Explorer Card?

Miles earned miles during a billing cycle automatically transfer to your United MileagePlus account at the end of the cycle.

Head to the United website and log in to your MileagePlus account to redeem your miles. Redemption options include:

  • Flights
  • Hotel stays
  • Car rentals
  • Cruises
  • Merchandise
  • Gift cards
  • Experiences
  • United Club membership
  • United Wi-Fi
  • TSA PreCheck application
  • Transfer or donate miles
  • Dine at select airports
  • Magazines and newspapers
  • Dining gift cards, certificates and discounts

Redeeming miles for flights gets you a strong redemption rate on your rewards. Based on the miles redemption site at the time of writing, United miles are worth an average 1.5 cents each when redeemed for flights. But you can also find excellent limited-time deals worth up to 3 cents per mile.

You may receive a lower rate if you redeem for other options. For example, redeeming miles for hotel stays yields an average value of 0.7 cents a mile

Bottom line

Consider the United℠ Explorer Card if you want strong perks without a premium price. If you’re not sure it’s right for you, compare other travel credit cards.

Frequently asked questions

Credit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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 only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site