United Explorer Card Review (2020)

Filed Under: Chase, United
In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers (terms apply) that we have found for each product or service. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out our advertiser policy for further details about our partners, and thanks for your support!
2x miles
on United
2x miles
at restaurants
no foreign
transaction fees
Annual Fee: $0 introductory annual fee for the first year, then $95.

Chase and United offer a suite of co-branded credit cards, and at the moment we’re even seeing limited time welcome bonuses on some of these cards. In this post I wanted to take a closer look at the United℠ Explorer Card.

Is this card worth getting, especially with the increased bonus right now?

United Airlines Explorer Card Basics For August 2020

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.

Limited Time Welcome Bonus Of 60,000 MileagePlus Miles

Through September 30, 2020, the United Explorer Card is offering a welcome bonus of 60,000 United MileagePlus miles after spending $3,000 on purchases within the first three months of card membership.

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


Redeem your United miles towards 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 the 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, and it’s 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 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

I’d say that restaurants are a pretty useful bonus category, though in fairness there are lots of credit cards offering great rewards on dining.


Earn double miles for dining purchases with the card

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.

Use your card abroad with no foreign transaction fees

United Explorer Card Perks

In addition to the welcome bonus and rewards structure on the United Explorer Card, it’s also worth knowing about the perks offered by the card. That’s actually the primary reason you’ll want to consider this card, because for many people the perks more than offset the annual fee.

So, what are the perks offered by the Explorer Card?

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 card you receive two United Club passes annually. This includes when you open your card, and in 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.


Two annual United Club passes is a nice perk

25% Back On United Inflight Purchases

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

You have to pay with your 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 $85-100 enrollment fee 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 TSA Pre-Check with the Explorer Card statement 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 as a cardmember

Premier Upgrades On Award Tickets

MileagePlus elite members receive complimentary upgrades on domestic 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 Premier upgrades on award tickets if you have this card

Expanded Award Availability

For having the United Explorer Card you receive access to more award availability. This applies to United’s “standard” level awards, and means that you can book award tickets with no blackout dates. Note that often these awards are priced higher, though, so this isn’t useful for those looking for a bargain.

Get access to more award availability as a cardmember

Earn PQPs Towards Status

Spending money on the United Explorer can help you earn MileagePlus status, even with the recent changes to the program:

  • 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
  • The PQPs can be applied up to Premier Platinum status (though not to Premier 1K status)

Ultimately this won’t get you that far towards status, but is better than nothing. As a reminder, here are United’s elite requirements:

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.

Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

This is a great card for car rental coverage

Trip Delays & 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.

If you’re a United elite member you may benefit from the United Club passes, additional award availability, 25% savings on inflight purchases, Global Entry 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.

On the surface I consider this to be the sub-$100 airline credit card with the strongest perks.

Best of all, the card currently has an increased bonus, and 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 the first year.

United Explorer Vs. United Club Infinite

In addition to the United Explorer Card, there’s also the United Club℠ Infinite Card, which is the more premium version of the card. The United Club Infinite Card is offering a bonus of 100,000 MileagePlus miles after spending $5,000 within three months, but the card does have a $525 annual fee.

Who should consider the United Club Infinite Card? It does have some incremental perks, including the following:

  • 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 then it could be worth going for the United Infinite Card, given the additional perks.

Read a full review of the United Club Infinite Card.

Get a United Club membership with the United Club Infinite Card

United Explorer Vs. United Business

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

The card has a $99 annual fee, and offers many similar benefits to the Explorer Card, including a first checked bag fee, 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.

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

As I mentioned above, while the 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.

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.

See this post for the best credit cards for earning United miles.

United Explorer Card Summary

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 credit, a first checked bag free, and much more.

If you don’t yet have this card then this is a great time to apply, given the bonus of 60K miles.

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 their cards, not to mention the increased flexibility.

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

Apply Now

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.
Comments
  1. So, to confirm, Premier Upgrades on award bookings is not available for international flights right? Just domestic? Thanks!

  2. “ If you’re a United elite member you may benefit from the United Club passes, additional award availability”

    United elites already see the additional award inventory.

  3. For me, the primary benefit of this card is the additional 25% earned on MPX (don’t even need to use the card to earn the additional 25%), plus the additional award space as I am no longer an elite member

  4. I have this card; my spouse is an authorized user of my card. Does my spouse still qualify, or does Chase already see her as a holder of the card?

  5. Let’s put the whole “sell credit cards for a living” thing to the side for a second and look at the card: 65k welcome points for $10k spend for a constantly devaluing currency and no set rewards chart, not to mention 2x max bonus categories. That isnt good. At all.

  6. To confirm: can you downgrade this card to the no AF united MileagePlus Card? If so, do you have to wait until you pay an annual fee after the first year?

  7. I’ve been a bit lax in trimming my cards and I’m not sure why I have this one. Neither Phoenix nor BWI are big United hubs, Baltimore doesn’t really have any useful lounges, Phoenix has Delta and AA lounges. I’m guessing the passes that I get and rarely use can only be used if I’m flying United.

    Probably $95 or whatever I’m throwing away yearly. I’d be better off with a Delta card since I’ve been flying them more often. I think this one may go out the door along with the Chase Marriott card.

  8. @MattB you have to wait until the annual fee hits but if you downgrade within 30 days of the fee hitting it will be refunded.

  9. There is one reason to get this card…and it wasn’t even covered! For those of us with status, this gives you a bump in the queue for upgrades. When those with the same status (1K for example) and the same fare Class (W for example) are in queue for an upgrade, those with the card will rise above those without the card.

    To me, the $95 for a bump in the upgrade queue is a huge reason for this card!

  10. Friendly reminder! Possibly the last days of this offer. I think
    it changes to 50k miles sometime soon. Not sure what date.
    60k miles + 2500miles offer still valid as of today.
    unitedexplorercard.com/inflight (for the addtl 2500)

    code: UA3478. Box is next to mileage plus number box on application.
    If the box still exists then the 2500 additional promo miles are live and valid.

    i was told the 2500 bonus offer is valid regardless of promotion change.
    It gets tacked on top of whatever the current offer of the month/quarter
    is.
    I wish I grabbed this offer instead of the 65k for 10k spend offer in Jan. Took me forever to reach it. Those considering it, this is probably the best offer for a few months from them.

    Glad United finally changed the policy so Miles never expire anymore last year. They were late but they finally did it.

  11. Seems like the new offer is actually 40k miles.
    To get 52.5k miles instead you can use : unitedexplorercard.com/inflight
    Code: UA3478

    It takes you to Uniteds Inflight promotion. 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open*

    Plus, an additional 10,000 bonus miles after you spend $5,000 total on purchases in the first 6 months your account is open

    Might be a better option for people

  12. I’ve paired this card with my Chase Sapphire Preferred, I’ve found this card to be perfectly fine. As a United flyer who flies about 40k miles a year, I think it has proved its worth. The waived checked bag fee, priority boarding, and club passes have been great. The Global Entry credit which includes PreCheck has saved me a few times when custom lines have been extremely long (although I don’t see that being the case for a long, long time). The best perk of this card though, in my opinion, is the expanded award itinerary availability that is not available to the regular non-status holding United MileagePlus member. The sign up bonus (40k) got me a fantastic card-holder only itinerary from Omaha to Bangkok (OMA-EWR-LHR-BKK) for my trip to Southeast Asia earlier in the year. This allowed me to go out and explore London for a few hours, plus fly the A380 on Thai Airways. The way back (SIN-SFO-ORD-OMA) for 40k was solid as well. Overall, not bad at all.

  13. Does travel protection work for any airline, Star Alliance or United partners, or United only?

  14. I just applied for this card with the offer on the chase website, 40,000 miles with $2,000 spend and an additional 10,000 with, I believe another $3,000 spend within 6 month. After initially being declined I was able to be approved by moving credit around. What are the possibilities of being able to match to the new offer? I have read that that is not possible currently.

  15. Lucky, you mention that YN space is lame, and I agree. But you don’t mention that the card accesses XN, which is much more plentiful than X. That is why I keep the card. But I guess you’ve never seen XN as an Aeroplan member 😉

  16. United & Chase lie about reimbursement for Global Entry fees!

    A while back, United & Chase sent me an e-mail advising me that as a United Explorer Club Card holder, there was new benefit that I could take advantage of – reimbursement for my Global Entry fee. When it came time for me to renew my Global Entry, I did charge it to my United Explorer Club Card.

    Well, after a number of back and forths both with United and Chase, I got the b*llsh*t response that the benefit did NOT apply to existing holders of the United Explorer Club Card, but only to holders of the new, United Explorer Club Infinite Card (which runs $200 more per year matching the increase in United Club annual membership) which wasn’t even in existence when I got the initial communication from United about this benefit.

    RUN from these United cards. They don’t keep their published promises!

Leave a Reply

If you'd like to participate in the discussion, please adhere to our commenting guidelines. Your email address will not be published. Required fields are marked *