United MileagePlus® Explorer Card

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  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Check your first bag for free (a savings of up to $100 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • No foreign transaction fees
  • Earn 2 miles per $1 spent on tickets purchased from United, and 1 mile per $1 spent on all other purchases
  • Your miles don't expire as long as your credit card account is open, with no limit to the number of miles you can earn
Annual Fee:
$0 intro, $95 after first year
Purchase Intro APR:
N/A
Purchase Regular APR:
16.99% - 23.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
16.99% - 23.99%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.99%* Variable
Cash Advance Fee 5%, Min; $10
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 5%, Min: $5
Foreign Transaction Fee $0
Return Payment Fee See Terms*

Rewards

Welcome Bonus

Earn 40,000 miles after you spend $2,000 in the first 3 months.

All Purchases

1 mile per dollar

No cap on spending

Airfare

2 miles per dollar

Earn 2 miles per $1 spent on tickets purchased from United, and 1 mile per $1 spent on all other purchases


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
CrNa2020
I love my United Card
by CrNa2020
Helpful to 34 out of 37

 

I've had this card for about a year now. Here is some background. So when I was 18 I had 2 credit cards that I let go into default (crazy teen not really aware of credit how important credit is) I think my credit score was somewhere in the low 500's. Fast forward 10 years later in 2015 I had no real credit history of my own (my mom co-signed for 2 cars for me).  I went to the dealership to look at a car and ended up buying it on my own . I remember calling my mom at the dealership saying how I probably wasnt going to get approved but I did. My credit score was 644 according to the salesman. The 2 cards had fallen off of my credit report I only had a couple of small medical things like $200 total on the negatives. I applied for a Capital one Quicksilver one card and I was app for $1000 it's now at $3000 and the United MilagePlus card. With the MilagePlus Card I was so scared because I didnt think I would get it but I got app for $5000! My limit is still at $5000 because I dont want another credit inquiry from them Chase does a hard inquiry but I think I am just going to go for it so the limit increase helps my overall utilization. Oh, when I first applied for the card I was supposed to get 2 club passes. A couple of months went by and I didnt get them. I called customer service and they saw that they infact were not mailed. I wanted them for an upcoming trip I was about to go on.They overnight shipped the passes +2 extra for my trouble to my front door through UPS. I thought that was awesome.

 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
FryingDutchman
It's a nightmare to redeem points.
by FryingDutchman
Helpful to 22 out of 24

Love our Venture card(s). Ome for personal and one for business.  Was really looking forward to this card as we fly United regularly. Redemption is through the mileage plus people and I'm not wasting one more minute of my life on this card to explain how bad their service is and how difficult it was to plan trips around restrictions.  Hours on the phone every trip.  You've been warned. One star for lack of useability. Which is the only reason to buy it.  $95 annual


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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2017 through November 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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