United Explorer Card

United Explorer Card Review

This is a rewards 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 65000 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 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.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, 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

Free first checked bag. Annual fee waived during the first year. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty on purchases. Free access to your credit score. Global Entry/TSA Pre✓®. Identity Theft Protection. Travel accident and travel assistance insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on their purchases. United Explorer Card reports to multiple credit bureaus.

Higher than average purchase APRs. You need good credit to qualify. Charges an annual fee of $95 Charges a 5% balance transfer fee.

United Explorer Card FAQ

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

United Explorer Card is a travel rewards card.

United Explorer Card Rewards

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

What are the United Explorer Card benefits?

It provides the following benefits:

• Free Credit Score
• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Trip Cancellation Insurance
• Zero fraud liability
• Travel Accident Insurance
• No blackout dates when redeeming miles
• Travel Assistance
• Reports to major credit bureaus

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.

What are the fees for United Explorer Card?

The following fees apply:

• There is no overlimit fee

United Explorer Card Fees

Fees	Amount
Annual Fee	$95
Overlimit Fee	$0
Foreign Transaction Fee	0%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

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

Yes, United Explorer Card 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 may help improve your credit.

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.