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United℠ Explorer Card

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As the name suggests, this United Visa Card caters to the explorers who prefer flying United, offering good opportunities to earn extra miles and featuring several useful airline perks. There is no annual fee for the first year, and depending on how you redeem your miles, could provide the equivalent of up to 14% cash back on United flights.

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Our rating
Min. credit level: Good
Annual Fee: $0 introductory annual fee for the first year, then $95
Regular APR: 16.49% to 23.49% Variable

United℠ Explorer Card

Our rating
Good Min. credit level
$0 introductory annual fee for the first year, then $95 Annual Fee
How To Apply Read our Review

Highlights & Features

Rewards

Spending 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
Introductory Bonus
  • 40,000 bonus miles for spending $2,000 in the first 3 months

Balance Transfers

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

Intro Balance Transfer APR N/A
Regular Balance Transfer APR 16.49% to 23.49% Variable
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee N/A
Returned Payment Fee Up to $39
Additional Cards Annual Fee $0
Foreign Transaction Fee $0
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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.

Cash Advance APR 24.99% Variable
Cash Advance Fee Either $10 or 5% of the amount of each transaction, whichever is greater.
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

Chase

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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.

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.