July 20, 2024
United Explorer Card Overview 2023

United Airways is likely one of the largest airways on the earth, flying to each continent apart from Antarctica. Given the quantity of its flights, United has introduced in lots of loyal prospects through the years. These loyal prospects typically desire a bank card to guide their flights, and the card_name is a transparent possibility.

Nevertheless, with so many journey playing cards out there, the query is whether or not this bank card stands out from the competitors. This card_name overview will analyze this bank card and whether or not its options, charges, and perks make it a worthy addition to your pockets.

TIME’s Take

The card_name is a superb alternative, particularly in case you fly United typically. However even in case you solely fly United a number of occasions yearly, this card may nonetheless be price selecting up for the suitable buyer. You obtain two one-time United Membership passes every year, which may offset this card’s annual_fees. That’s to say nothing of its different advantages, equivalent to 2x miles on United Flights plus resort and restaurant purchases. Regardless of an annual payment decrease than some options, there’s quite a lot of worth right here.

Who’s the cardboard for?

The card_name is for anybody who needs to reap the benefits of its advantages. Its 2x miles on purchases with United plus 2x miles spent on eating and accommodations allow you to accrue MileagePlus miles quickly. It additionally supplies a number of perks for fliers, which may very well be price their weight in gold. Typically, anybody who flies United at the least often ought to take into account this card.

Rewards construction

The card_name card has a comparatively easy rewards construction. You earn 2x miles on all eligible purchases that fall inside its bonus classes, as proven within the desk beneath. All different purchases earn 1x miles.

Provided that this can be a branded airline bank card, one of the best ways to redeem factors is usually by reserving United flights or on seat upgrades. You may’t switch these factors to some other program, however United does have an in depth community of journey companions that can assist you get the place you’re going.

Earn on purchases from United, together with tickets, Financial system Plus®, inflight meals, drinks, and Wi-Fi

Earn on eating purchases, together with eligible supply providers

Earn on resort purchases while you guide immediately with the resort

Advantageous print

Rates of interest

  • Common APR: reg_apr,reg_apr_type.
  • Buy Intro APR: intro_apr_rate,intro_apr_duration
  • Steadiness Switch Intro APR: balance_transfer_intro_apr,balance_transfer_intro_duration


  • Annual Price: $0 your first 12 months, then annual_fees.
  • Steadiness Switch Price: balance_transfer_fees.
  • Money Advance: cash_advance_fee

Further hidden perks

This card has a number of hidden perks that might considerably improve its worth. Some highlights embrace:

  • First checked bag free: You and one companion touring on the identical reservation can test your first bag (as much as $35 worth) totally free. That equals as much as $70 in checked luggage totally free or $140 per spherical journey.
  • 25% again on in-flight purchases: You earn 25% again as a press release credit score on all in-flight purchases of meals, drinks, or Wi-Fi while you pay with the Explorer card.
  • As much as $100 International Entry, TSA PreCheck®, or NEXUS payment credit score: The Explorer card will cowl the payment for International Entry, TSA PreCheck, or NEXUS each 4 years. Relying on which you may have, that’s price as much as $100.
  • Precedence boarding: The first cardmember and journey companions on the identical reservation can board United-operated flights earlier than common boarding.
  • No overseas transaction charges: There aren’t any further transaction charges while you make worldwide purchases along with your Explorer card.

Alternate options

A couple of bank cards stack up as viable options to the card_name. Listed here are a few of the prime decisions.

card_name vs. card_name


The card_name is a stable alternative if you’d like a card that isn’t tied to a selected loyalty program. As an alternative, it earns Chase Final Rewards factors, which you’ll switch to Chase’s switch companions. These embrace United, Southwest Airways, Marriott Bonvoy, World of Hyatt, and IHG. The Sapphire Most popular has the identical annual_fees annual payment because the Explorer card (though it isn’t waived the primary 12 months). It additionally consists of the identical TSA PreCheck/International Entry because the Explorer Card.

Nevertheless, you received’t get precedence boarding, 25% money again, or any of the opposite United-specific perks that the Explorer card supplies. Nevertheless, it does embrace Precedence Move, which grants you lounge entry at choose airports. Should you seldom or by no means fly United, the card_name is the higher alternative. However the card_name may very well be higher for anybody who at the least generally flies United.

card_name vs. card_name


Should you’re a severe street warrior and United is your go-to airline, it may very well be price shelling out for the card_name. This card has a a lot increased annual_fees annual payment and a extra beneficiant welcome supply. It additionally features a United Membership membership, which Chase says is price as much as $650 yearly. You additionally earn 4X miles on United purchases – twice as many factors because the Explorer card. The opposite bonus classes have the identical 2x miles fee.

It additionally offers you your first and second checked luggage free as a substitute of only one. And in contrast to the Explorer Card, which doesn’t provide you with any elite statuses, the card_name consists of IHG One Rewards Platinum Elite standing. This comes with a $75 annual assertion credit score from IHG. There are few downsides to the card_name in comparison with the Explorer Card. The query is whether or not you’ll use the United Membership card sufficient to justify the excessive annual payment.

card_name vs. card_name


The card_name is one other common journey card that may very well be a viable different to the Explorer Card. The card_name additionally earns 2x miles on purchases, however it earns that fee on all purchases, not simply on particular classes. The card_name additionally has a welcome supply and a annual_fees annual payment. However once more, the payment isn’t waived for the primary 12 months. You additionally get entry to Capital One lounges (together with Precedence Move), though you solely get two free lounge visits per 12 months. Miles are additionally transferable to Capital One’s switch companions.

The card_name is an attention-grabbing different to the Explorer Card, particularly because it earns 2x miles on all purchases with a annual_fees annual payment. Nevertheless, whereas it does include some journey perks, the distinction once more is that you simply received’t get the purple carpet therapy whereas flying that you simply would possibly get with a branded airline card.

Helpful perks that may very well be well worth the payment


For many who fly United at the least a few occasions a 12 months, the card_name may very well be price including to your pockets. It has a beneficiant welcome bonus and earns 2x miles on purchases with United, plus 2x miles on eating and resort purchases. It additionally consists of enticing perks like precedence boarding, free checked luggage, United Membership passes, and 25% money again on in-flight purchases. Whereas it has a $95 annual payment, its perks may simply offset that payment, which is waived the primary 12 months.

Ceaselessly requested questions (FAQs)

Is the United MileagePlus Explorer laborious to get?

If you wish to apply for the card_name, you need to have a credit score rating of at the least good to glorious (670-850) to extend your approval odds. Additionally notice that Chase is understood to stick to the 5/24 rule, which implies it received’t approve prospects who’ve opened 5 or extra bank cards with any issuers up to now 24 months.

What’s the credit score restrict?

You may sometimes anticipate a credit score restrict between $5,000 and $20,000 for this card. Nevertheless, the precise credit score restrict you obtain will differ relying in your creditworthiness, as decided by Chase.

Does it pay for TSA PreCheck?

Sure. The card_name will cowl the payment for International Entry, TSA PreCheck, or NEXUS each 4 years.

*APR present as of Mar 31, 2023. APR fluctuates primarily based on rates of interest and your credit score rating. Verify along with your bank card supplier for the most recent APR.