United Explorer card review: Good airline benefits and expanded access to the cheapest award flights for a reasonable annual fee

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United℠ Explorer Card

Chase United℠ Explorer Card

At the checkout counter, this card adds purchase protection for 120 days and an extended manufacturer's warranty by up to a year where eligible.

The card also includes access to Visa's concierge service. If you've never tried it, it's pretty cool. They will research and/or book travel, gifts, and other online purchases for you at no additional cost for arranging the services.

United℠ Explorer Card

Chase United℠ Explorer Card

Annual Fee
Regular APR
Credit Score
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  • 4.55 out of 5 Stars
    Editor's Rating

    Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

    Annual Fee

    $95, waived first year

    Regular APR

    16.49% to 23.49% Variable

    Credit Score

    Good to ExcellentA five pointed star

  • A five pointed star
  • A five pointed star
  • A five pointed star
  • A five pointed star
  • 4.55 out of 5 Stars
    Editor's Rating
    Featured Reward

    60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open (plus, an additional 10k bonus miles after you spend $6,000 in the first 6 months)Chevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Details
  • Pros & Cons
    • 60k bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, an additional 10k bonus miles after you spend $6,000 in the first 6 months.
    • $0 introductory annual fee for the first year, then $95
    • Earn 2 miles per $1 spent at restaurants, on hotel stays, and on United purchases
    • Up to $100 Global Entry or TSA PreCheck™ fee credit
    • 25% back on United inflight purchases
    • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
    • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
    • Earn 2 miles per $1 spent at restaurants and eligible delivery services including GrubHub, Caviar, Seamless and DoorDash
    Pros
    • Annual fee is waived the first year
    • Earns bonus miles on several purchase categories, including restaurants
    • Includes an application fee credit for Global Entry or TSA PreCheck
    • Gets you a free checked bag on United when you pay with the card
    Cons
    • Not the most rewarding card for most non-United travel purchases

    United Explorer card costs and fees

    The United℠ Explorer Card has a $95 annual, but it's waived for the first 12 months so you won't start paying for it until you've had it for a year. There are no foreign transaction fees, so you can use the card anywhere in the world without racking up extra charges.

    You can avoid most other fees on the United℠ Explorer Card by paying your bill in full each month and avoiding interest charges.

    • APR on purchases and balance transfers: 16.49% to 23.49% Variable
    • Cash advance APR: 24.99%
    • Balance transfer fee: 5%, with a $5 minimum
    • Cash advance fee: 5%, with a $10 minimum
    • Late payment fee: Up to $39
    • Returned payment fee: Up to $39

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