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  United Explorer Card

United Explorer Card

in Personal Credit Cards from Chase Bank

Claimed

United Explorer Card

Claimed

in Personal Credit Cards from Chase Bank

Net Recommendation Score +50%

SUPERMONEY NET RECOMMENDATION SCORE

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Highlights
Highlights
Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 16.49% - 23.49%
Balance Transfer APR  (Variable APR) 16.49% - 23.49%
Credit Score Range 700 - 850
Annual Fee $95

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 40000 points after spending $2,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. United Explorer Card has a variable purchase APR that ranges from 16.49% up to 23.49%.
  • 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 access to a concierge, Global Entry / TSA Precheck Fee Credit, purchase protection, 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 & Cons
The Good The Bad
  • Free first checked bag.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Access to a concierge.
  • Global Entry / TSA Precheck Fee Credit.
  • 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.
  • Requires good to excellent credit.
  • Charges an annual fee of $95
  • Charges a 5% balance transfer fee.
United Explorer Card FAQ

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) 40000
Signup Bonus Spend Requirement $2000
Signup Bonus Spend Period (months) 3 months

Does United Explorer Card have a signup bonus?

United Explorer Card doesn't offer a cash signup bonus. However, it does include a 40000 points signup bonus after spending $2000 that can be redeemed for travel, gifts, or other perks.

Does United Explorer Card offer an annual loyalty bonus?

United Explorer Card doesn't offer a cash loyalty bonus.

What are the United Explorer Card benefits?

United Explorer Card provides the following benefits:

  • No blackout dates when redeeming miles
  • 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 a variable purchase APR that ranges from 16.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 16.49% up to 23.49%. It also has a variable cash advance APR of 24.99% .

Does United Explorer Card have an introductory APR offer on balance transfers?

No, United Explorer Card does not come with an introductory APR offer for balance transfers.

Does United Explorer Card have an introductory APR offer on new purchases?

United Explorer Card does not offer an introductory rate on new purchases.
United Explorer Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for United Explorer Card?

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 have a foreign transaction fee?

United Explorer Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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.

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • 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

Airfare (Points) 2
Every Purchase (Points) 1 mile per $1 spent on all other purchases.
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Annual Fee First Year  
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $95
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Global Entry / TSA Precheck Fee Credit
  • Identity Theft Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
No Blackout Dates  
Rewards Rates
  • Airfare
  • Every Purchase
  • Hotels
  • Restaurants
Signup Bonus (points) 40,000
Rewards Type Miles
Cash Advance APR (Variable APR) 24.99%
Balance Computation daily balance method (including new transactions)
Purchase APR (Variable APR) 16.49% - 23.49%
Balance Transfer APR (Variable APR) 16.49% - 23.49%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

United Explorer Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+50%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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