United Explorer

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

Earn 2 points per $1 on purchases by United Airlines, restaurants, and hotels

Earn 1 point per $1 spent 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)
  • This card is under the  Chase 5/24 rule.
  • You can only get approved for up to 2 Chase Credit Cards in 30 days. (Business Card and Personal cards are counted separately)
  • You are not eligible for this bonus if you currently have a United Explorer card or if you have received a bonus on a United Explorer card with in the last 24 months
  • 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 1 800 453 9719 to be reconsidered
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
  • Earn 25% cashback on United in flight wifi, food and drinks
  • Global entry and TSA pre-check
  • No Foreign Transaction Fee
  • Lounge Access
  • Trip Cancellation Insurance
  • Auto Rental Collision Insurance
  • Lost Luggage Reimbursement
  • Extended Warranty Protection
  • Purchase Protection

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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 CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers.