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United MileagePlus Explorer Card

in Personal Credit Cards

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United MileagePlus Explorer Card

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in Personal Credit Cards

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Overview

Who is the United MileagePlus Explorer Card Designed For?

The United MileagePlus Explorer Visa is designed for people with excellent credit who like to travel, particularly those who frequently fly with United Airlines. Its generous signup bonus and $0 annual fee during the first year make it an excellent card to rack up miles quickly and redeem for free flights, hotel rooms or car rentals.

What are the United MileagePlus Explorer Card's Rates?

The rates range from 17.49% APR to 24.49% APR for purchases and balance transfer. Cash advances and overdraft advances have a 26.49% APR. 

What Are the Fees for the United MileagePlus Explorer Card?

The United MileagePlus Explorer Visa has a $95 annual fee, but the fee is waived the first year. There are no foreign transaction fees either, but there is a $5 or 5% (whichever is greater) fee on balance transfers, and a $10 or 5% fee on cash advances. Late payments incur a $15 to $37 fee, depending on how much is owed, and returned payments have a $37 fee.

What Is the United MileagePlus Explorer Card Rewards Program Like?

The United MileagePlus Explorer Visa gives double miles on every dollar spent on United tickets and one mile for every dollar spent on all other purchases. These miles don't expire and can be redeemed for flights, hotel rooms, car rentals, cruises, gift cards and merchandise. When used to purchase United flights there are no limitations, restrictions or blackout dates on available seats, as long as you provide your MileagePlus number before starting the award booking process.

What about the United MileagePlus Explorer Card Signup Bonus?

United MileagePlus Explorer Visa has a 40,000 miles signup bonus for cardholders who spend $2,000 within the first three months. Cardholders who add an authorized user and make a purchase within the first three months receive an additional 5,000 bonus miles.

Does the United MileagePlus Explorer Card Have Any Other Benefits?

The United MileagePlus Explorer Visa gives cardholders and one companion a free checked bag on United flights: a $25 value per person for each bag and each way. Primary cardholders and their companions also receive priority boarding on United flights and two United Club passes every year.

The card also popular shopping and travel benefits, such as purchase protection, auto rental collision damage, room upgrades and access to exclusive events through Chase Access private.

How Is United MileagePlus Explorer Card Better Than Other Credit Cards?

The United MileagePlus Explorer Visa is probably the best travel rewards card available for people who fly frequently with United Airlines. The huge signup bonuses and valuable travel benefits make it an excellent deal for loyal United travelers. However, the rewards program only gives double points on United purchases. All other purchases only earn one mile per dollar spent. Travelers who don't travel regularly with United would probably be better off using a travel card with a more generous travel rewards program. 

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...

Availability

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

Feature Breakdown

Grace Period
21
Over-Limit Fee
$0
Minimum Interest Charge
$0
Foreign Currency Transaction Fee
0%
No Annual Fee First Year
No Foreign Transaction Fee
Returned Payment Fee
$37
Late Payment Penalty
$37
Annual Fee
$95
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Credit Score Range
700 - 850
850 300 700
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • ID Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Rewards Categories
  • Airfare
  • Every Purchase
All Other Purchases
1 mile per $1 spent
No Blackout Dates
Every Purchase
2 miles for each $1 spent on tickets purchased from United
No Reward Expiration Period
Signup Bonus (points)
40,000
Cash Advance APR
(Variable APR)
Starting at
26.49%
Purchases APR
(Variable APR)
17.49% - 24.49%
0% 29%
Balance Computation
daily balance method (including new transactions)
Balance Transfer APR
(Variable APR)
17.49% - 24.49%
8% 29%
Transfer Fee
5%
Transfer Fee Minimum
$5
Transfer Fee
5% or $5

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