United MileagePlus® Explorer Card

For People with
Good Credit

The United MileagePlus Explorer Card offers some great rewards from frequent travelers of United, providing 2X miles per dollar for tickets purchased 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.

A signup 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 one of our picks for the Best Airline Credit Cards.

Card Quick Facts

Card Quick Facts

  • Earn 2X miles on tickets purchased from United, and 1X mile per $1 on all other purchases
  • Start with 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months
  • Check your first bag for free, for you and a companion – save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
  • 25% discount on in-flight purchases on United flights
  • Up to $100 statement credit for the application fee for Global Entry or TSA Pre✓
  • No foreign transaction fees
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95

For People with
Good Credit

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Card Details



  • 2X miles awarded for every $1 spent:
    • with United Airlines
    • on hotel accommodations made directly with the airline
    • at restaurants
  • 1X mile awarded for every other $1 spent
How to Redeem

Introductory Bonus

  • 40,000 bonus miles for spending $2,000 in the first 3 months; add an authorized user and make a purchase in first 3 months to earn 5,000 bonus points
Card Stats

Card Stats

Annual Fee $95, $0 the first year
Additional Cards Annual Fee $0
Regular Purchase APR 17.49%–24.49% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
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 $37
Returned Payment Fee Up to $37
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 17.74%–24.74% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.74% 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.

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