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United Explorer Card

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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.

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Card Details

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

Annual Fee $95, $0 first year

Additional Cards Annual Fee $0

Regular Purchase APR 18.24%–25.24% 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

Intro Balance Transfer APR -

Regular Balance Transfer APR 118.24%–25.24% Variable

Balance Transfer Fee 5%, $5 minimum

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

How balance transfers work

Cash Advances

Cash Advance APR 27.24% Variable

Cash Advance Fee 5%, $10 minimum

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

How cash advances work

Card Benefits

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

Read about this specific card’s benefits

Learn about credit card benefits

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. Authorized users receive no additional passes.
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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United Explorer Card

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