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
View reward detailsRewards & 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%
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