United Explorer Card Review: Rich Benefits & 60K Miles

United Explorer Card Review: Rich Benefits & 60K Miles

United℠ Explorer Card Earn 60,000 bonus miles | $0 introductory annual fee for the first year, then $95
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United℠ Explorer Card Earn 60,000 bonus miles | $0 introductory annual fee for the first year, then $95
Earn 2x miles on United purchases
Free Checked Bag
Two United Club Passes Annually
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Chase and United offer a suite of co-branded credit cards, and in this post, I wanted to take a closer look at the United℠ Explorer Card. I’d argue that this is one of the most lucrative airline credit cards with an annual fee of under $100.

United Airlines Explorer Card Basics For November 2021

The United Explorer Card is probably Chase’s most popular co-branded United Airlines credit card. This is a consumer card that offers perks that can be valuable whether you’re a frequent United flyer, or just travel with the airline every once in a while.

Let’s look at what you need to know about this card in more detail, from the welcome bonus, to the return on spending the card offers, to the perks.

Welcome Bonus Of 60,000 MileagePlus Miles

Through January 26, 2022, the United Explorer Card is offering a limited time welcome bonus of 60,000 bonus MileagePlus miles after spending $3,000 on purchases within the first three months of card membership. As a point of comparison, prior to this the card was offering a bonus of 40,000 miles.

I value United miles at ~1.4 cents each, so to me the bonus miles are worth about $840.

Redeem your MileagePlus miles for a Polaris ticket

Card Eligibility & Restrictions

The welcome bonus on the United Explorer Card isn’t available to those who currently have the card, or those who have received a new cardmember bonus on the card in the past 24 months. However, you are eligible for this card if you have (or have had) another United Airlines credit card.

In addition to that, there are general restrictions when applying for Chase cards, including the 5/24 rule.

$95 Annual Fee, Waived The First Year

The United Explorer Card has a reasonable $95 annual fee, waived for the first year. This is a great way to try the card before you actually have to pay an annual fee.

You can add authorized users to the card at no extra cost.

Earn 2x Miles On Restaurants, Hotels, And United Flights

The United Explorer Card offers bonus categories that some might find useful. Here’s the rewards structure of the card:

  • Earn 2x miles on United purchases
  • Earn 2x miles at restaurants
  • Earn 2x miles at hotels
  • Earn 1x miles on all other purchases

For an airline credit card, those are some extremely well rounded bonus categories. However, I’d argue there are still better cards for everyday spending.

Earn double miles on dining purchases

No Foreign Transaction Fees

The United Airlines Explorer Card has no foreign transaction fees, so this is a good card to use for purchases abroad. Visa has excellent global acceptance, and you may even find yourself earning bonus miles for purchases abroad, including at restaurants and hotels.

Earn PQPs Towards Status

Spending money on the United Explorer Card can help you earn MileagePlus status, even with the changes that have been made to the program as of 2020:

  • Earn 500 Premier Qualifying Points (PQPs) for every $12,000 spent in a calendar year
  • Earn up to 1,000 PQPs in a calendar year through the credit card
  • Generally, the PQPs can be applied up to Premier Platinum status, though for 2021 they can also be applied towards Premier 1K status

Ultimately this won’t get you that far towards status, but is better than nothing, especially with United’s reduced elite thresholds for 2021. I’d say the primary reason you should consider spending money on the card is if you want to earn PQPs.

Card spending can count towards elite status

United Explorer Card Perks & Benefits

Not only does the United Explorer Card offer an excellent welcome bonus and an annual fee that’s waived for the first year, but the card also has all kinds of fantastic perks. I’d argue that the United Explorer Card is the most perks-rich airline credit card out there with an annual fee of under $100. In no particular order, let’s take a look at what you can expect…

A Free First Checked Bag

The United Explorer Card primary cardmember and one companion traveling on the same reservation receive a standard free first checked bag. In order to be eligible for this, you have to pay for your ticket with your United Airlines credit card.

United charges $35 for a first checked bag, so this is a value of up to $140 on a roundtrip ticket.

Two United Club Passes Annually

For having the United Explorer Card you receive two United Club passes annually. This includes the year where you open your card, and any subsequent years. These will automatically be deposited into your MileagePlus account within four weeks.

A United Club pass ordinarily costs $50, so that’s a value of up to $100. For the occasional traveler, this is an awesome perk, since it can make your travels on United more pleasant.

Receive two United Club passes annually

25% Back On United Inflight Purchases

If you have the United Explorer Card you’ll receive 25% back in the form of an account statement credit on purchases of food, beverages, and Wi-Fi, onboard United and United Express flights.

You have to pay with your United Explorer Card, and your statement credit should post within 24 hours.

Global Entry Or TSA Pre-Check Credit

The United Explorer Card offers a Global Entry or TSA Pre-Check credit every four years. Simply charge the enrollment fee of up to $100 to your card, and it will automatically be reimbursed.

Nowadays quite a few credit cards offer these fee credits, so you can always use this benefit for a friend or family member. They just have to use your credit card to pay, and you’ll automatically receive the statement credit.

Get a Global Entry or TSA Pre-Check credit

Priority Boarding

For having the United Explorer Card you and your companions receive priority boarding on United and United Express flights. You can board before general boarding, after customers with Premier Access, and those requiring special assistance. This would be in Group 2.

Receive priority boarding on United flights

Premier Upgrades On Award Tickets

MileagePlus elite members receive complimentary upgrades on domestic and short haul international flights (in most markets) when paying cash for their ticket. If you have the Explorer Card you also receive Premier upgrades on award tickets when traveling on United or United Express. Travel companions and authorized users aren’t eligible for this benefit.

Receive elite upgrades even on award tickets

Expanded Award Availability

For having the United Explorer Card you receive access to more award availability. This includes both extra saver and standard level award availability. It can be useful because MileagePlus miles are often best used for travel on United metal.

Get access to more award availability for United flights

Primary Car Rental CDW

The United Explorer Card offers a primary collision damage waiver benefit. Just decline the rental company’s collision insurance and charge the entire rental cost to your card. This is a really valuable benefit that comes in handy when renting cars.

This card is great for car rental protection

Trip Delay & Lost Luggage Protection

The United Explorer Card offers a variety of protection benefits when traveling, assuming you pay for purchases with your card. These features include the following:

  • Trip cancellation & trip interruption insurance — be reimbursed up to $1,500 per person and $6,000 per trip when your trip is canceled or cut short due to sickness, severe weather, etc.
  • Trip delay reimbursement — if your flight is delayed by more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket
  • Lost luggage reimbursement — be reimbursed up to $3,000 per passenger if you or your immediate family member check or carry on luggage that is damaged or lost by an airline
  • Baggage delay insurance — be reimbursed up to $100 per day for three days for essential purchases when your bag is delayed by over six hours

Make sure you check your cardmember agreement for all of the details, since there are terms & conditions.

Is The United Explorer Card Worth It?

While I generally wouldn’t recommend using the United Explorer Card for your everyday spending (since there are better cards for earning United miles), this is one of the best airline credit cards when it comes to having great perks and a reasonable annual fee. On the surface I consider this to be the sub-$100 airline credit card with the strongest perks.

If you’re a United Airlines elite member you may benefit from the United Club passes, additional award availability, 25% savings on inflight purchases, Global Entry or TSA Pre-Check credit, expanded award availability, upgrades on award tickets, and more.

If you’re a non-elite member, then the first checked bag free, priority boarding, United Club passes, savings on inflight purchases, and more, could come in handy.

Now is an especially good time to sign-up, given the huge bonus for new cardmembers. The annual fee is even waived for the first year, so this is a great way to try the card without even having to pay an annual fee to start.

Visit the United Polaris Lounge Newark

United Explorer Card Vs. United Quest Card

The United Quest℠ Card has a $250 annual fee, so it’s a more premium version of the United Explorer Card. I’d say this is an excellent card:

  • The United Quest Card is offering a welcome bonus of 80,000 MileagePlus miles after completing minimum spending
  • The United Quest Card offers some unique perks, like a $125 annual United credit, plus up to 10,000 miles reimbursed each year when redeeming miles on United; for many, those two perks alone will more than offset the annual fee

Read a full review of the United Quest Card.

United Explorer Card Vs. United Club Infinite Card

In addition to the United Explorer Card, there’s also the United Club℠ Infinite Card, which is United Airlines’ most premium personal credit card. The United Club Infinite Card has a $525 annual fee, but offers some fantastic incremental perks, including the following:

  • A welcome bonus of 100,000 MileagePlus miles after completing minimum spending
  • A United Club membership for as long as you have the card
  • A first and second checked bag free for you and one companion when flying United
  • Premier Access travel services, including priority check-in, security, boarding, and baggage handling

If you’re a frequent United flyer and value United Club access, then I think this card could be worth it.

Read a full review of the United Club Infinite Card.

Get a United Club membership with the United Club Infinite Card

United Explorer Card Vs. United Business Card

The United℠ Business Card is essentially the business version of the United Explorer Card, so if you’re looking for a small business card, that’s what I would consider.

The card offers many similar benefits to the United Explorer Card, including a first checked bag free, priority boarding, 25% savings on inflight purchases, and more. The card even has some unique perks, like an anniversary bonus of 5,000 miles if you have the card in conjunction with a personal United card.

Furthermore, the card is offering a phenomenal welcome bonus of 75,000 MileagePlus miles after completing minimum spending, and the card’s annual fee is also waived for the first year.

Read a full review of the United Business Card.

The United Business Card is worth considering if you have a small business

The Best Way To Earn United Miles With Credit Cards

While the United Explorer Card has great perks, I wouldn’t generally use it for my everyday spending. That’s true whether you want to earn United miles for your spending or not. United MileagePlus is a Chase Ultimate Rewards transfer partner, so you can convert Ultimate Rewards points into United miles at a 1:1 ratio.

There are so many great Ultimate Rewards cards that earn points at a potentially faster rate than you’d earn directly through United, so that’s something worth considering.

Best for beginners Earn 2x points on all travel and 3x points on dining
Chase Sapphire Preferred® CardChase Sapphire Preferred® Card
Best for premium benefits Earn 3x points on all travel and dining, plus annual travel credits, airport lounge access, and superior trip coverage and purchase protection
Chase Sapphire Reserve®Chase Sapphire Reserve®
Best for rotating bonus categories Earn 5% cash back in rotating quarterly bonus categories, which can be converted to Ultimate Rewards points with a premium Chase card
Chase Freedom Flex℠Chase Freedom Flex℠
Best for non-bonus spend Earn 1.5% cash back on all purchases, which can be converted to Ultimate Rewards points with a premium Chase card
Chase Freedom Unlimited®Chase Freedom Unlimited®
Best for business travel Earn 3x points on travel, shipping, advertising with social media, and internet and phone services
Ink Business Preferred® Credit CardInk Business Preferred® Credit Card
Best for office expenses Earn 5% cash back at office supply stores, which can be converted to Ultimate Rewards points with a premium Chase card
Ink Business Cash® Credit CardInk Business Cash® Credit Card
Best for everyday business expenses Earn 1.5% cash back on all purchases, which can be converted to Ultimate Rewards points with a premium Chase card
Ink Business Unlimited® Credit CardInk Business Unlimited® Credit Card

Bottom Line

The United Explorer Card is one of the most benefits-rich airline credit cards out there. For a low $95 annual fee (which is even waived for the first year) you get two United Club passes annually, savings on inflight purchases, a Global Entry or TSA Pre-Check credit, a first checked bag free, and much more. That’s not even accounting for the card’s incredible welcome bonus, which has been increased for a limited time.

Long term I still think the best way to earn United miles is through Chase Ultimate Rewards, given the superior earnings rates offered by some of those cards, not to mention the increased flexibility. However, I’d absolutely consider picking up the card with the current bonus.

If you want to learn more about the United Explorer Card or apply, follow this link.

Conversations (3)
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  1. Regis Guest

    I have this card. The only real benefit are the two club passes. Before you could use them in conjunction with a boarding pass from any airline. Now you have to be flying Untied to use them, which is a carrier I refuse yo fly, so for me it pretty erases the value of the card, which will be cancelled soon.

  2. GBOAC Platinum

    In my experience, United (group 2) priority boarding is bogus -- always seems like half the passengers on any United flight have priority 2 boarding. And they start to line up very early.
    Everyone gives Southwest grief over its supposed cattle call boarding process (even though it hasn't been like that for years) but the real cattle call is a United's group boarding line:-(

    1. ovacikar New Member

      When everone is an elite ( via credit card) , practically none is.

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The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

ovacikar New Member

When everone is an elite ( via credit card) , practically none is.

1
GBOAC Platinum

In my experience, United (group 2) priority boarding is bogus -- always seems like half the passengers on any United flight have priority 2 boarding. And they start to line up very early. Everyone gives Southwest grief over its supposed cattle call boarding process (even though it hasn't been like that for years) but the real cattle call is a United's group boarding line:-(

1
Regis Guest

I have this card. The only real benefit are the two club passes. Before you could use them in conjunction with a boarding pass from any airline. Now you have to be flying Untied to use them, which is a carrier I refuse yo fly, so for me it pretty erases the value of the card, which will be cancelled soon.

0
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