United Explorer Card


For People with
Good Credit

The United Explorer Card offers some great rewards from frequent travelers of United, providing 2X miles per dollar for purchases from United. That covers flights operated by any airline, as long as the tickets are purchased from United.

2X miles are also awarded for hotel accommodations purchased directly from hotels, and at restaurants.

An introductory offer of 40,000 bonus miles can be had for spending $2,000 in the first 3 months after account opening.

Cardholders also get several airline perks, like free first checked bags, a 25% discount on in-flight purchases, two United Club airport lounge passes per year, and priority boarding. Hotel stays can be a bit cheaper and more comfortable with the Luxury Hotel & Resort Collection. And there are a variety of shopping and travel protections too.

This card is not available to you if you already have it, or if you’ve received a new cardmember bonus for this card in the past 24 months.

Card Quick Facts

Card Quick Facts

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 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 on purchases from United, and 1 mile per $1 spent on all other purchases

For People with
Good Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 2X United miles per dollar spent:
    • With United Airlines
    • On hotel accommodations made directly with the hotel
    • At restaurants
  • 1X United mile per dollar spent on other purchases
How to Redeem

Introductory Bonus

  • 40,000 bonus miles for spending $2,000 in the first 3 months after account opening
Card Stats

Card Stats

Annual Fee $95, $0 first year
Additional Cards Annual Fee $0
Regular Purchase APR 17.99%–24.99% Variable
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit $5,000
Maximum Credit Limit -
Free Credit Score No
Penalty APR See Terms
Late Fee Up to $38
Returned Payment Fee Up to $38
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 17.99%–24.99% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.99% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Priority Boarding Privileges

    Get called to board United flights before general boarding.

  • Free First Checked Bags

    You and up to one traveling companion on the same reservation get your first checked bag free, for a potential savings of $120 per round trip.

  • 25% Discount on In-Flight Purchases on United Flights

    Get 25% back in the form of a statement credit on in-flight purchases on United-operated flights, like food, beverages, and WiFi.

  • 2 Annual Passes to United Club

    Two one-time passes per year to United Club airport lounges, which include complimentary beverages, snacks, and other amenities like work spaces, free WiFi and more.

  • Global Entry or TSA Pre✓ Application Fee Credit

    Get a statement credit for the fee for either Global Entry ($100) or TSA Pre✓ ($85), once every five years.

  • Luxury Hotel & Resort Collection Privileges

    Includes room upgrades, complimentary daily breakfast for two, early check-in, late checkout and other amenities at more than 750 luxury hotels and resorts worldwide.

  • Visa Signature Concierge

    Call 1-800-953-7392 to speak with your own personal assistant through Visa Signature Concierge, for help with all sorts of non-emergency tasks.

  • Chase Inside Access

    Access exclusive experiences, which range from celebrity meet-and-greets to world-class cultural events.

  • United MileagePlus Experiences

    Bid for invitations to interesting experiences by United, like dugout seats at sports games and dining with top chefs at their restaurants.

  • No Blackout Dates

    When using miles to book award flights.

  • Zero Liability Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Fraud Alerts

    Sign up to get notified of any possibly fraudulent card activity.

  • Purchase Protection

    Provides coverage for eligible items for 90 days against theft and damage.

  • Extended Warranty Protection

    Extends a manufacturer’s warranty by 1 year, for warranties of 3 years or less.

  • Travel and Emergency Assistance

    Provides help with emergencies, including legal and medical referrals, transportation, ticket replacement, etc.

  • Travel Accident Insurance

    Provides up to $100,000 in coverage against loss of life, limb, hearing, or sight, when traveling by common carrier.

  • Trip Cancellation / Trip Interruption Insurance

    If a trip is disrupted for an eligible reason, provides reimbursement for non-refundable costs. Eligible reasons include severe weather and sickness.

  • Trip Delay Reimbursement

    Reimbursement is available if an eligible hazard causes at least a 12-hour delay in your trip, or an overnight stay.

  • Lost Luggage Reimbursement

    If checked or carry-on bags are lost or damaged, you get reimbursed.

  • Baggage Delay Protection

    If your bags are late by more than six hours, you can be reimbursed for the emergency purchase of essential items.

  • Roadside Assistance

    Call 1-866-359-5402 for help if you break down on the road, for any reason.

  • Auto Rental Collision Damage Waiver

    Provides primary coverage against theft and collision, as long as the car rental company’s own insurance is declined.

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