United Explorer Card
in Personal Credit Cards from Chase Bank
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Would you recommend United Explorer Card to your friends?
| Community Rating |
Rating not yet determined |
| 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
- 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.
- 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.
- 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, Global Entry / TSA Precheck Fee Credit, identity theft protection, 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 & Cons
| The Good | The Bad |
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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.
| Minimum rewards rate | 1x |
| Max rewards rate | 2x |
| Annual rewards limit | N/A |
| Signup Bonus (Points/Miles) | 60000 |
| Signup Bonus Spend Requirement | $3000 |
| 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 60000 points signup bonus after spending $3000 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:
- 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 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.| Description |
|---|
What are the fees for United Explorer Card?
The following fees apply to United Explorer Card:
- There is no overlimit fee
| 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?
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.
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Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 - (877) 242-7372
- Visit Site
Other Services by Chase Bank
View all personal credit cards offered by Chase Bank
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. |
United Explorer Card Community Reviews
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