United MileagePlus® Explorer Card

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  • Start with 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months from account opening
  • 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 your credit card account is open, 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
Annual Fee:
$0 intro annual fee for the first year, then $95
Purchase Intro APR:
N/A
Purchase Regular APR:
16.24% - 23.24%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
16.24% - 23.24%*
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 25.24%* Variable
Cash Advance Fee 5%, Min; $10
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 5%, Min: $5
Foreign Transaction Fee None
Return Payment Fee See Terms*

Rewards

Sign-Up Bonus

Earn 30,000 miles after you spend $1,000 in 3 months.

All Purchases

1 mile per dollar

No cap on spending

Airfare

2 miles per dollar

Earn double miles on tickets purchased from United, and 1 mile per $1 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
tiaharrison7
surprised to get this card
by tiaharrison7
Helpful to 76 out of 80

I am in the process of rebuilding my credit. Capital One cash rewards, along with responsible cash management over the past year has brought my credit score up about 100 points. My credit is still poor though, Trans 614 EQU 571 Experian 654

-United MileagePlus Explorer Card instantly approved me for the card and gave me a $5000 Credit Limit. The perks of the card look great and about 1 year ago I thought I was going to have to pay a company like credit one 100 bucks a year for a $300 credit line and no perks, I'm so thankful I didn't go that route and now have 3 great cards to help me rebuild my credit with rewards. I felt like I was on a roll and applied for a discover card the same day and got approved for that too $1000 credit limit with discover. All cards seem to have different perks and it seems to be good to have a small assortment of cards and just pay the bill in full each month.

capital one-great for establishing credit and improving credit quick with responsible use! initially I was given $500, 6 months later they brought it up to $2000 automatically

United MileagePlus Explorer Card-great rewards! free checked bags, free flights, free club passes; even after the first free year, the card pays for itself if you travel! $95 annual fee after the first year, but with all the rewards and perks of the card, it will save me about $500 a year

Discover-great rewards, no foriegn transaction fee, flexible card, no annual fee!

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
crabspy
Just here for the trip insurance
by crabspy
Helpful to 7 out of 7

I've had this card for 2 years now. Was able to get the old 50,000 miles spending bonus when it was offered back then. The priority boarding benefit lets you board as a Group 2 member which is good if you have carry on bags that you place in the overhead storage. The lounge passes are pretty ehhh especially with what is in the lounge. If you are flying solo you have to fly 2 round trips to break even with the annual fee if you are checking 1 bag. I fly 4 round trip domestic flights a year so I will never get status with the airline. The reason I keep this card is for the trip insurance. For that $95 annual fee I was able to get $250 in food and hotel when my flight was delayed. Which is actually a Visa Signature benefit and not really one with United.


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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 2016 through November 2016. 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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