United Explorer

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welcome offer

Earn 40,000 points after $2,000 spent within the first 3 months

Bonus Cash Value

Approximately $520*

Annual Fee

$95 (waived 1st year)

Card Rewards

2 points on purchases by United Airlines, restaurants, and hotels

1 point everywhere else

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The United Explorer card is great for those traveling with United. You get your first checked bag free, priority boarding, and expanded award availability. The card comes along with various great travel insurance like trip cancellation or trip delay, as well as baggage delay or lost luggage insurance. You earn 2 miles per dollar spent at restaurants, hotels, and United purchases plus earn unlimted 1 mile per dollar spent on all other purchases.

Card-Smart Tips & Advice
  • Good credit needed (you will probably need at least one credit card open for more than a year)
  • Chase will decline an applicant that has opened 5 or more cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Chase Bank will usually pull your Experian credit report
  • You can check your application status at Chase.com / Customer Center / Check my app status or call 1 888 338 2586
  • If declined you can call 1 888 609 7805 to be reconsidered
Welcome Offer Eligibility
The United Explorer card is not available to either current Cardmembers of the United Explorer credit card, or previous Cardmembers of the United Explorer credit card who received a welcome bonus for this credit card within the last 24 months.
Card Details And Benefits
  • First checked bag free for you and your companion
  • Priority boarding
  • 2 annual free United Club passes
  • Premier upgrades on United flights (only for Mileage Plus Premier members)
  • Expanded Award Availability
  • Receive 25% back (statement credit) on United in flight purchases of wifi, food and drinks
  • Global Entry or TSA PreCheck
  • No Foreign Transaction Fee
  • Lounge Access
  • Trip Cancellation Insurance
  • Auto Rental Collision Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

Compare Cards

CardUnited Club Infinite CardUnited ExplorerUnited Business Card
Welcome BonusThe annual fee is waived the first year (then $525)Earn 40,000 points after $2,000 spent within the first 3 monthsEarn 60,000 points after $3,000 spent within the first 3 months.
Annual Fee$525 (waived 1st year)$95, (waived 1st year)$99 (waived 1st year)
Rewards- 4 points on United purchases - 2 points on restaurants and travel - 1 point everywhere else- 2 points on purchases by United Airlines, restaurants, and hotels - 1 point everywhere else- 2 points at United Airlines, restaurants, gas, office supplies - 1 point everywhere else
Upgraded StatusComplimentary Hertz President’s Circle membership Premier upgrades on United flights (only for Mileage Plus Premier members) Hotel upgrades at over 900 luxury hotels and resorts worldwidePremier upgrades on United flights (only for Mileage Plus Premier members)Premier upgrades on United flights (only for Mileage Plus Premier members)
Free BaggageFirst and second bag checked free for you and one companion on United flights. Plus receive a free carry on bag even with a basic economy ticket. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation.First checked bag free for you and one companion on United flights. Plus receive a free carry-on bag even with a basic economy ticket. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation.First checked bag free for you and one companion on United flights. Plus receive a free carry-on bag even with a basic economy ticket. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation.
CreditsEarn $100 annual United travel credit after 7 United purchases of $100 or more Earn 5,000 bonus miles each anniversary year, if you have both the United Business card and a United personal credit card
Extra Redemption ValueExpanded Award Availability on United Flights when booking award flightsExpanded Award Availability on United Flights when booking award flightsExpanded award availability on United Flights when booking award flights
Global Entry and TSA pre-checkStatement credit for Global Entry or TSA Pre-Check every 4 years.Get a statement credit for Global Entry or TSA Pre-Check every 4 years.
No Foreign Transaction FeeNoneNoneNone
Lounge AccessComplimentary United Club Lounge access for you plus two companions when flying United or its partners. Receive 2 complimentary annual free United Club lounge passesReceive complimentary 2 annual free United Club lounge passes
Trip Cancellation InsuranceCoverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $10,000 per person for a max of $20,000 per trip.Coverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $1,500 per passenger and $6,000 per trip for non-refundable flight tickets.Coverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $1,500 per passenger and $6,000 per trip for non-refundable flight tickets.
Auto Rental Collision InsurancePrimary worldwide coverage on rentals up to 31 daysWorldwide primary coverage on rentals up to 31 daysPrimary worldwide coverage on rentals up to 31 days when renting for business use.
Travel Accident InsuranceGet coverage if you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.Get coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.Get coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation.
Lost Luggage ReimbursementUp to $3,000 per person for lost or damaged luggageUp to $3,000 per person for lost or damaged luggageUp to $3,000 per person for lost or damaged luggage
Trip Delay ReimbursementIf your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use itemsIf your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use itemsIf your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.
Return ProtectionNot happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $500 per claim, $1,000 per year)Not happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $500 per claim, $1,000 per year)
Extended Warranty ProtectionGet one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less.Get up to one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less).Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account.
Purchase ProtectionGet refunded if your purchase is damaged or stolen for up to 120 days from the date of purchase. Max $10,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 120 days from the date of purchase. Max $10,000 per claim ($50,000 per year)Get refunded if your purchase is damaged or stolen for up to 120 days from date of purchase. Max $10,000 per claim ($50,000 per year)
Authorized User Fee$0$0$0
Luggage Delay InsurenceIf your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days.
Priority BoardingPremier Access for check in, security, boarding, baggage handlingPriority boarding on United flightsPriority boarding on United flights
Inflight SavingsReceive 25% back (statement credit) on United in flight purchases of wifi, food and drinksReceive 25% back (statement credit) on United in flight purchases of wifi, food and drinksReceive 25% back (statement credit) on United in-flight purchases of wifi, food, and drinks

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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