United Explorer Card Review

United Explorer Card 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 is everything you need to know to make a good choice.

Key takeaways:

• Earn 1 miles for every dollar spent on everyday purchases.
• Signup bonus. Offers a signup bonus of 60000 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 17.99% up to 24.99%.
• 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 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 rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, Global Entry / TSA Precheck Fee Credit, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

United Explorer Card Pros and Cons:

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 Precheck Fee Credit. Travel accident and travel assistance insurance. Trip cancellation insurance. No foreign transaction fee. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. United Explorer Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.

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

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

United Explorer Card offers a rewards program to its customers.

United Explorer Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	2%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	60000
Signup Bonus Spend Requirement	$3000
Signup Bonus Spend Period (months)	3 months

What are the United Explorer Card benefits?

United Explorer Card 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
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for United Explorer Card?

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 Explorer Card has higher than average purchase APRs.

United Explorer Card 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 Explorer Card fees?

The following fees apply to United Explorer Card:

• 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 $39
Late Payment Fee	up to $39

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

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 can help improve your credit score.

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 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.