Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
United Explorer Card Review
Key Takeaways
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- Welcome offer. Offers a signup bonus of 60000 points that can be redeemed for travel, gifts, or other perks.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.74% up to 27.74%.
- $0 intro annual fee for the first year. United Explorer Card gives you the chance to have the card for a year without paying the $95 annual fee.
- A 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 security, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of United Explorer Card
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United Explorer Card FAQ
Does United Explorer Card have a cash back or rewards program?
| Description |
- Trip Cancellation Insurance
- Travel Assistance
What are the relevant APRs for United Explorer Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What are the fees for United Explorer Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for United Explorer Card?
What is the support contact email for United Explorer Card?
What is the login page for United Explorer Card?
How do people rate the customer service and user experience of United Explorer Card?
Does Chase Bank perform a hard credit pull?
How to apply for United Explorer Card
- Visit the website of United Explorer Card.
- 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.
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.
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