This card is fantastic for the rental car coverage, if you ever need it! That benefit is quite rare among card issuers, indeed. In January 2017, while driving an Enterprise car I was involved in a weird, unavoidable accident. Enterprise decided I was at fault and billed me for the totaled vehicle - nearly $12,000. Because I had used this card when reserving the car, and had also turned down Enterprise's daily insurance, I was covered fully by Chase. The process to take advantage of the coverage isn't difficult and the service representatives are very professional. They didn't require me to use my own car insurance first - Chase's insurance benefit was primary up to the full value of the car. I chose to charge the Enterprise damage bill on the Chase card itself, and then submitted documents for reimbursement. This gave a nice boost to my reward points! Applying for and getting the card was pretty easy, too, and there are no foreign transaction fees. I've had this card for almost 8 years.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 17.99% - 24.99%* Variable
- Annual Fee $0 intro, $95 after first year
- Purchase Intro APR Not Applicable
- Purchase Regular APR 17.99% - 24.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
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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Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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