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  United Explorer Card
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United Explorer Card

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Highlights
Purchase APR  (Variable APR) 18.74% - 25.74%
Balance Transfer APR  (Variable APR) 18.74% - 25.74%
Credit Score Range Starting at 700
Annual Fee $95

United Explorer Card Review

This is a credit card issued by Chase Bank. If you're wondering whether United Explorer Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Signup bonus. Offers a signup bonus of 50000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 25.74%.
  • Annual fee waived the first year. United Explorer Card gives you the chance to have the card for a year without paying the $95 annual fee.
  • 5% Balance transfer fee. United Explorer Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • Multiple credit card benefits. Includes generous credit card perks, such as airline credit, purchase protection, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of United Explorer Card

The Good The Bad
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Airline Credit.
  • Travel assistance insurance
  • Trip cancellation insurance.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges an annual fee of $95
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 5% balance transfer fee.

United Explorer Card FAQ

Does United Explorer Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the United Explorer Card benefits?

It provides the following benefits:

  • Trip Cancellation Insurance
  • Travel Assistance

What are the relevant APRs for United Explorer Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

United Explorer Card has a variable purchase APR that ranges from 18.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 25.74%. It also has a variable cash advance APR of 27.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does United Explorer Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does United Explorer Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for United Explorer Card?

The following fees apply:

United Explorer Card Fees
Fees Amount
Annual Fee $95
Returned Payment Fee $40
Late Payment Fee $40

What is the customer service phone number for United Explorer Card?

The United Explorer Card customer service number is (877) 242-7372.

What is the support contact email for United Explorer Card?

The support contact email for United Explorer Card is customerdepartament@chase.com.

What is the United Explorer Card login page?

You can access the United Explorer Card login page here.

How do people rate the customer service and user experience of United Explorer Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for United Explorer Card

  • Visit the United Explorer Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

United Explorer Card Disclosure: You will qualify for 50,000 bonus miles if you make $3,000 in purchases within 3 months of account opening. After qualifying, please allow 6 to 8 weeks for bonus miles to post to your account. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus miles do not count toward Premier status. If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Chase Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Annual Fee First Year
Cash Advance Fee (%) 5%
Annual Fee $95
Returned Payment Fee $40
Late Fee Amount $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 -
Credit Card Benefits
  • Purchase Protection
  • Trip Cancellation Insurance
  • Travel Assistance
  • Airline Credit
Signup Bonus (points) 50,000
Cash Advance APR (Variable APR) 27.24%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 18.74% - 25.74%
Balance Transfer APR (Variable APR) 18.74% - 25.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Travel
  • Airline
Card Network Visa

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