United℠ Explorer Card
Basic Information
Program ID: united-explorer-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 12:07
Last Scraped: 01/15/2026 07:13
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $70,000.00
Spending Requirement: $4,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of the statement closing date following the spend requirement.
Rewards Program
Reward Type: United MileagePlus Miles
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x United purchases, 2x Dining, 2x Hotel stays
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles do not expire.
Transfer Partners: N/A - Earns directly into United MileagePlus program.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
- Hotel Status: Hertz President's Circle Elite Status
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: Applicants must be 18 years or older, a U.S. resident, and possess excellent credit. Approval is subject to Chase's 5/24 rule, meaning you are generally ineligible if you have opened 5 or more personal credit cards across any issuer in the past 24 months. Furthermore, you are typically not eligible for the welcome bonus if you currently hold any United co-branded credit card or have received a new cardmember bonus for any United co-branded credit card in the past 24 months. Typical welcome bonus offers require spending a specified amount (e.g., $3,000) within the first 3 months of account opening to earn a set number of United miles (e.g., 60,000 miles).
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, reselling), rapid accumulation of high credit limits across multiple cards relative to income, frequent balance transfers without genuine spending, repeated abuse of return policies, suspicious spending patterns inconsistent with declared income, late payments, or defaulting on other Chase products.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Strong sign-up bonus, valuable United travel perks like free checked bag and priority boarding, and good earning rates on travel and dining make it ideal for frequent United flyers.
Top Negative Feedback:
The annual fee can outweigh benefits for infrequent United flyers, and general spending earns only 1x mile, making it less versatile than some other travel cards.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- United Quest Card
- Capital One Venture Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $635.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: Effective Date: January 1, 2024
Last Updated: 01/01/2024 00:00