United MileagePlus Explorer Review

United MileagePlus Explorer is a rewards credit card issued by Chase Bank. If you're wondering whether United MileagePlus Explorer is the right card for you, read on. This is everything you need to know to make a good choice.

• Signup bonus. Offers a signup bonus of points after spending $10,000 within 6 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 17.99% up to 24.99%.
• Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
• Annual fee waived the first year. United MileagePlus Explorer gives you the chance to have the card for a year without paying the $0 annual fee.
• 5% Balance transfer fee. United MileagePlus Explorer charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $5.
• $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, Global Entry / TSA Precheck Fee Credit, travel assistance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

The Good	The Bad
No annual fee the first year. Annual fee waived during the first year. Multiple credit card perks. No foreign transaction fee. Earn rewards on every purchase. United MileagePlus Explorer reports to multiple credit bureaus. Cardholders can earn rewards on their purchases. Global Entry / TSA Precheck Fee Credit. Travel assistance insurance	Higher than average purchase APRs. Requires good to excellent credit. Charges a 5% balance transfer fee

Is there a United MileagePlus Explorer cash back or rewards program?

United MileagePlus Explorer offers a rewards program to its customers.

United MileagePlus Explorer Rewards

Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	65000
Signup Bonus Spend Requirement	$10000
Signup Bonus Spend Period (months)	6 months

What are the United MileagePlus Explorer benefits?

United MileagePlus Explorer provides the following benefits:

• Emergency Support
• Zero fraud liability
• Travel Assistance
• Reports to major credit bureaus

What are the relevant APRs for United MileagePlus Explorer?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. United MileagePlus Explorer has higher than average purchase APRs.

United MileagePlus Explorer has a variable purchase APR that ranges from 17.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 17.99% up to 24.99%. It also has a variable cash advance APR of 26.49% .

What are the United MileagePlus Explorer fees?

The following fees apply to United MileagePlus Explorer:

• There is no overlimit fee

United MileagePlus Explorer Fees

Fees	Amount
Annual Fee	up to $0
Overlimit Fee	$0
Foreign Transaction Fee	0%
Balance Transfer Fee	5%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	$39
Late Payment Fee	$39

Does United MileagePlus Explorer report your account activity to credit bureaus?

United MileagePlus Explorer reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for United MileagePlus Explorer

• Visit the United MileagePlus Explorer 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.