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Offered by: Chase

United MileagePlus® Explorer Card

  • LIMITED TIME OFFER: Start with 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months
  • Check your first bag for free – save up to $100 per roundtrip
  • Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year
  • No foreign transaction fees
  • Earn double miles on tickets purchased from United, and 1 mile per $1 on all other purchases
  • Your miles don’t expire as long as you’re a Cardmember, with no limit to the number of miles you can earn
  • Use your miles for any seat, any time, on any United flight
  • $0 intro annual fee for the first year, then $95

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: 625
Typical High: 790









Additional Details

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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.

Offer Details:

Cash Advance Rate

See Terms

Annual Fee

$0 intro annual fee for the first year, then $95

Late Fee

See Terms

Cash Advance Fee

5%, Min; $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0 intro annual fee for the first year, then $95
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 751
Data Created: February 02, 2015

64 Cardholder 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 Recent Reviews

Great service , not so great rewards Helpful to 4 out of 4 people

Originally got the card because of Continental Airlines. It was good, got the two lounge passes in the mail, companion discount etc. Now the lounge pass never shows up and they charge more annual fee and the rewards dried up. Chase does have an excellent fraud dept, and chargebacks are easy and not complicated. Wish Chase would go to another airline rather than continue to hook their wagon to United. Likely going to cancel card to get a cash back card in near future.

Jan 22, 2015
very happy Helpful to 0 out of 1 people

I love the fress two bags with domestic travel and airport lounge access.  

joshman76's response was:    

Jan 21, 2015

joshman76(1, 0)

Helpful to 1 out of 1 people

income: 40K

age: 22

credit score: 697 

i travel a lot with united and wanted it to accumulate the miles and for the few little travel perks. i was surprisingly accepted with a 5k limit right away. highest credit limit on a card was 3K before this one. Got the card today and had to call customer support and was surprised to get an american after only 30 seconds with the phone tree. He then transfered me to United for somethign and got a person immidiatly. had to recall united afterwards and took 15 min to get to a person, so far customer service was great.

Jan 16, 2015
United Club admittance denied Helpful to 4 out of 13 people

I applied for this card, as we had  6 hour layover on our way to central America, and wanted to take advantage of the "2 free passes" to the United Club. When we arrived, they needed to see the passes, which apparently are mailed to you 6-8 weeks after the card. No passes, no admittance. I called Chase, and they said "sorry, but you need the passes." No where in their literature does it state that the  United Club passes arrive more than a month after the card. REALLY bad karma.

Jan 07, 2015
Just applied, approved! Helpful to 3 out of 3 people

I just applied online, I've been looking at this particular card as I improve my credit score for over a year. I am currently at 702 and I was waiting to pay down some of my other two cards to make my score go up more but took a chance. My boyfriend said I'd probably get approved because I have never had late payments or deliquencies and I just finished off my car loan. He was right. Got approved for 8200, my highest limit (I'm still young, haven't had credit for super long). Really excited to put the card to use and see where we'll end up. Hopefully the customer service is better than some of these reviews are saying. I will update my review to see if they get that extra star from me in the future. 

jennadouglas's response was:    

Jan 04, 2015

jennadouglas(1, 3)

See all 64 Reviews of United MileagePlus® Explorer Card

† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ 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 November 2014 through April 2015. 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.