Chase United Explorer Card - Find Me a Card

Chase United Explorer Card

A decent card for frequent United flyers, with 2x miles on United purchases, restaurants, and hotels, as well as a 60K miles signup bonus (after spending $3K in the first 3 months), but also a $95 annual fee.

Your total savings: $3,033 over the next 5 years

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Credit Score Required:
Average (670-739)

Rewards & Perks

Reward Highlights

  • 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months.
  • Plus another 10,000 bonus miles after you spend $6,000 total in the first 6 months.
  • x miles on United purchases, restaurants, and hotels (when purchased directly with the hotel). (Restaurant purchases include eligible delivery services such as GrubHub, Seamless, DoorDash, and Caviar.)
  • 1 mile per dollar spent on all other purchases.
  • 25% cash back on United in-flight purchases.
  • Chase Luxury Hotel & Resort Collection benefits: Provides the following benefits at over 1,000 luxury hotels, resorts, lodges, and spas: Daily breakfast for two, a room upgrade (if available), early check-in and late check-out (if available), complimentary wi-fi, and a special benefit unique to each property (e.g., lunch or dinner for two, a spa treatment, waivers of golf greens fees, welcome gift, or airport transfers).
  • 2 United Club one-time passes each year for your travel.
  • Priority boarding: The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
  • Free first checked bag for you plus one travelling companion.
  • Premier upgrades on award tickets: The primary card member who is also a MileagePlus Premier member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United-operated flights (when available).
  • Personal concierge service (via Visa Signature Concierge): Visa Signature concierge service gives you access to concierges who can help with travel planning, restaurant recommendations, and event reservations.
  • Access to United card events from Chase and United MileagePlus events.

Other Rewards & Perks

  • Car rental loss and damage insurance: Provides you reimbursement for damage due to collision or theft. Coverage is supplemental to and in excess of other insurance. You must decline the collision/loss damage waiver offered by the auto rental agency.
  • Baggage delay insurance: Provides reimbursement of up to $100 per day (up to five days), when your bags are delayed or misdirected by a common carrier for more than six hours for essential items including clothing.
  • Global Entry or TSA Pre-Check fee credit: Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.
  • Lost luggage reimbursement (up to $3,000 per passenger): Provides you coverage for luggage and its contents if they are lost or stolen due to theft or misdirection by the common carrier (airline, bus, train, cruise ship).
  • Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed for your pre-paid, non-refundable travel expenses, including passenger fares, tours, etc.
  • Trip delay reimbursement: Provides reimbursement (e.g., up to $500 per purchased ticket) for you and your eligible family members for reasonable expenses if a covered trip is delayed (due to a covered hazard) for more than 12 hours (or for more than 6 hours, depending on which credit card you have).
  • Extended warranty for warranties of 3 years or less: Extends the time period of the U.S. manufacturer's warranty (by an additional 1+ years) for eligible items that would otherwise have warranties of 3 years or less. (Refer to the offer details on the credit card issuer's website for details about dollar limits and exclusions.)
  • Purchase protection (120 days): Coverage for eligible items you buy with your card if they are lost or stolen within 120 days of your purchase.
  • Free online access to your credit score (via Chase Credit Journey): You can opt-in to access your credit score (updated monthly) for free, within Chase's mobile app or website.

Special Signup (Promo) Rewards & Perks

  • 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months.
  • Plus another 10,000 bonus miles after you spend $6,000 total in the first 6 months.
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Rates & Fees

Summary of Rates & Fees

  • Annual fee: $95. ($0 in the first year.)
  • APR on purchases and balance transfers: 16.49-23.49%.
  • No foreign transaction fees.

Annual Fee: $95 ($0 for first year)

Interest Rate (“Purchase APR”): 16.49-23.49%

BT Fee: 5% of BT

BT APR: 16.49-23.49%

Cash Advance Fee: 5%

Cash Advance APR: 24.99%

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Other Info

Date Introduced: 2011-07-19

Date Last Updated: 2022-04-07

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