Last Updated: 10/08/2025
SuperMoney User Recommendation Score +86
Strongly recommended7 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
20.49% - 28.99%(Verified 03/25/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
20.49% - 28.99%(Verified 03/25/2025)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$95
Disclaimer popup with additional information
Number of Reviews
The New United℠ Explorer Card Review
This is a travel card issued by Chase Bank. If you're wondering whether The New United℠ Explorer Card is the right card for you, read on.
Key Takeaways
- Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.49% up to 28.99%.
- $0 intro annual fee for the first year. $0 intro annual fee for the first year, then $95
- A 5% balance transfer fee. The New 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Chase Bank
| The Good | The Bad |
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Chase Bank FAQ
Does Chase Bank have a cash back or rewards program?
Chase Bank is a travel rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Airfare | 2 x miles (2x miles on United® purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Hotels | 2 x miles (2x miles on hotel stays when booked with the hotel.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 2 x miles (2x miles on dining) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x miles (1x mile on all other purchases) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Chase Bank have a signup bonus?
Yes. Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Does Chase Bank offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Chase Bank benefits?
The New 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 Chase Bank?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.The New United℠ Explorer Card has a variable purchase APR that ranges from 20.49% up to 28.99%. The card has a variable balance transfer APR that ranges from 20.49% up to 28.99%. It also has a variable cash advance APR of 29.24% .
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 Chase Bank have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Chase Bank 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 Chase Bank?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95*$0 intro annual fee for the first year, then $95 .
Does Chase Bank 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 Chase Bank?
The customer service number for Chase Bank is (877) 242-7372.
What is the support contact email for Chase Bank?
The support contact email for Chase Bank is customerdepartament@chase.com.
How do people rate the customer service and user experience of Chase Bank?
Overall, Chase Bank is strongly recommended based on community reviews that rate customer service and user experience.
Does The New United℠ Explorer Card report your account activity to credit bureaus?
Yes, The New United℠ Explorer Card reports to the following credit bureaus:
- 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 build your credit.
Does Chase Bank perform a hard credit pull?
Yes, Chase Bank performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Chase Bank
- Visit the website of Chase Bank.
- 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.
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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Other Credit Cards from Chase Bank
Purchase APR
19.99% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
18.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.24%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 28.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$795
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +86, or 4.7 on a 5-point rating scale.
+86
-1000+100
No one recommends
Everyone recommends
The New United℠ Explorer Card Community Reviews
Would you recommend The New United℠ Explorer Card to your friends?
KS
Kaya S.
May 18, 2022
May or may not recommend
I have one of these credit card on my dad's line. My family and I always fly United and therefore this card is a game changer. I am able to obtain many extra miles and bonus perks. Additionally the terms of this card including spending limits etc. are extremely generous.
RG
Rylie G.
Apr 13, 2022
May or may not recommend
I have two credit cards and I use this one explicitly for gas and groceries. You earn more points at gas stations which is a great deal. The miles you earn are great plus the signup bonus is no joke. I usually fly United Airlines so I think this card is very beneficial. If you don't fly United, don't get this card.
CH
Chase H.
Jan 27, 2022
May or may not recommend
For the time my family used this card, we really enjoyed it. The United club lounge at the airport was a fun little perk to get to experience. My family only switched off of this card because we preferred SouthWest as our domestic airline. The benefits are solid, especially if you fly a lot, but does require a high credit score for approval. It's personally not my first choice for ...Show More
GW
Gabrielle W.
Aug 1, 2021
May or may not recommend
The points for the mileage they give are astronomical, this really does what it says it will do and helps credit.
JA
Jacob A.
Nov 16, 2020
May or may not recommend
I would recommend this card to all my friends, family, and people that travel a lot. I used this card for one summer and I saw my credit score rise a substantial amount in those couple of months. I am all about getting the best bang for your buck and this card has relatively low fees as well as the miles you earn by using it. If anyone is planning ...Show More
NI
Nicole I.
Nov 10, 2020
May or may not recommend
This card has been highly beneficial to my family, and we recommend it highly. Some big positives for me is the 2 miles per $1 spent United Airline purchases on the card you can receive. You also receive 25% back on United flight purchases.You also receive 20,000 bonus miles after you spend $1,000 in the first three months. You also receive many perks at the airport which we have ...Show More
U
Anonymous
Jun 4, 2019
May or may not recommend
Decent card but seems like you should get a higher reward rate from United.
Showing 7 of 7 reviews
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