United℠ Explorer Card

Apply now
  • Limited time offer! Earn up to 60,000 Bonus Miles.
  • $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 ClubSM 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:
18.24% - 25.24%*
Balance Transfer Intro APR:
Balance Transfer Regular APR:
18.24% - 25.24%*

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* 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 27.24%* 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.

Plus earn an additional 20,000 bonus miles after you spend $8,000 total on purchases in the first 6 months your account is open.

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
Awesome for United Travel
by Creditwarrior32
Helpful to 43 out of 45

I have had this card for quite a few years and have never had any problems using it for airfare and upgrades. Also I was told by a car rental place it has the 2nd best coverage only behind Amex Black. You have to use the card to purchase tickets or car rental in order to get the perks that may be the issue for some people.

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 103 out of 111

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.


Similar Offers

† 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 October 2018 through March 2019. 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.

My Saved Cards
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.