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| Community Rating | Strongly recommended |
| 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 |
| Number of Reviews | 8 |
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.
- 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.
- 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 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.
| The Good | The Bad |
|---|---|
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Does United Explorer Card have a cash back or rewards program?
United Explorer Card is a travel rewards card.
| 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 |
Does United Explorer Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 65000 points signup bonus after spending $10000 that can be redeemed for travel, gifts, or other perks.Does United Explorer Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.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.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% . 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.
Does United Explorer Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does United Explorer Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for United Explorer Card?
The following fees apply:
- There is no overlimit fee
| 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 have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for United Explorer Card?
The United Explorer Card customer service number is (312) 997-8000.
What is the support contact email for United Explorer Card?
The support contact email for United Explorer Card is customerdepartament@chase.com.
How do people rate the customer service and user experience of United Explorer Card?
Overall, United Explorer Card is strongly recommended based on community reviews that rate customer service and user experience.
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.
Contact
- Headquarters
-
270 Park Avenue
New York, NY 10017 - (312) 997-8000
- Visit Site
- Email Support
Other Services by Chase Bank
Availability
- 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
| 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 $40 |
| Late Fee Amount | Up to $40 |
United Explorer Card Community Reviews
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