United℠ 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.
  • Earn 2 miles per $1 spent at restaurants and on hotel stays
  • Up to $100 Global Entry or TSA Pre✓® Fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $120 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
  • Earn 2 miles per $1 spent on purchases from United, and 1 mile per $1 spent on all other purchases
Annual Fee:
$0 intro, $95 after first year
Purchase Intro APR:
Purchase Regular APR:
17.99% - 24.99%*
Balance Transfer Intro APR:
Balance Transfer Regular APR:
17.99% - 24.99%*

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 26.99%* 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*


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


2 miles per dollar

spent at restaurants


2 miles per dollar

spent on purchases from United

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
Solid card for a weak airline.
by JeramyCLE
Helpful to 33 out of 33

As I was rebuilding my credit, this credit card was my long term goal, so I was thrilled when I was finally approved. I put everything, including a bathroom remodel on it, and used the miles to take my wife on a trip for our anniversary.

Finding good flights on miles has become more difficult and United has spent the last year stepping on metaphorical yard rakes, but Chase has been fantastic. So, I’ve dropped this card in favor of the Sapphire Preferred.

Still, if you live in a United hub city, this card deserves a look.

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
Don't file a claim
Helpful to 65 out of 71

In theory, the benefits of this card seem great.  In practice, I felt like I’m dealing with scam artists.  Our overseas trip last year with United resulted in delayed flights, missed flights and luggage delays.  When our luggage didn’t arrive and we had to attend a wedding and a baptism, I called the international number on the back of my Mileage Plus Explorer card. They informed me of the benefits that we have and the amounts that we will be reimbursed, indicating to save our receipts and save the delayed baggage claim.  After returning to the U.S., I submitted the claim and the receipts.  I repeatedly received notifications that I need to submit proof that I tried to collect money from the overseas airline partner (final destination) and that I was denied the claim.  I was never told that this is a requirement when I called.  After many failed attempts to contact the overseas airlines to get verification, I called the claims department by phone to discuss if I have any other options.  The phone representative indicated that if I haven’t been successful in getting the information from the airlines, then I should send them proof of my attempts and the credit card claims department will work with the airlines to obtain it.  Again, I followed the instructions that I received over the phone.  A few weeks later, I receive another email indicating that the claim is on hold until I provide the requested information.  I replied indicating that I am waiting on their help.  Their response:  Per your terms and conditions, "You are responsible for gathering the necessary documentation to complete your claim and that all documents including the claim form must be received as soon as reasonably possible." The claim can be reopened once you have filed that claim with the carrier and provide the documentation to substantiate your claim.  There’s either a big disconnect between the claim officers and the customer support representatives on the phone or there’s a scam factor in the Explorer Card benefits.  Very pathetic on their part, but the customer is the one suffering.  The Mileage Plus card has been my primary credit card for around 25 years until I received the Mileage Plus Explorer card a couple of years ago.  As a result of this transaction, I cancelled the Mileage Plus card and soon to cancel my Explorer card once I determine how to use my remaining United miles before switching to another airline.  I started reviewing online and I’m finding many cards offering similar benefits with no annual fees.


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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 July 2018 through December 2018. 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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