Credit Cards

United MileagePlus® Explorer

Estimated Rewards

2 Year NetRewards


Ongoing NetRewards


+ Show Reward Breakdown






Credit Rating Required



Everyday Rewards

0 MileagePlus Mile

Special Rewards

2 MileagePlus Miles
2 MileagePlus Miles
2 MileagePlus Miles

Signup Bonus

40,000 MileagePlus Miles after spending $2,000.00 within 3 months of opening your card

Features and Benefits

50,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.

Earn 5,000 bonus miles after you add the first authorized user and make your first purchase in the first 3 months from account opening.

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

2X miles on tickets purchased from United

Earn 2 miles per $1 spent on tickets purchased from United.

Earn 1 mile per $1 spent on all other purchases.

Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.

Travel benefits

Free first checked bag – a savings of up to $100 per roundtrip
The primary cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free – calculated as a $25 value for the first checked bag, each way, per person – on United-operated flights when purchasing tickets with their United MileagePlus Explorer card. See for details.

Priority boarding
The primary cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.

2 United ClubSM passes each year for your cardmember anniversary – over a $100 value
Take some time to relax before your flight with two United Club one-time passes each year for your anniversary. Enjoy complimentary beverages, snacks, and other amenities like work spaces, free Wi-Fi and more.

Use miles for any seat, any time, on any United flight
The primary cardmember can use miles to book any seat, any time – no limitations, restrictions or blackout dates. If seats are available for sale on United-operated flights, you can use miles to book an award ticket at the Standard Award level when you sign into your MileagePlus account before starting the booking process.

Enjoy Luxury Hotel & Resort Collection privileges
Stay in style with room upgrades, complimentary daily breakfast for two, early check-in, late checkout and other amenities at more than 900 luxury hotels and resorts worldwide.

Access to exclusive events with Inside Access from Chase
Access private, once-in-a-lifetime experiences – from celebrity meet-and-greets to private culinary and sports events.

10,000 bonus miles

Receive 10,000 bonus miles after you spend $25,000 on purchases on your card each calendar year.

No foreign transaction fees

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Travel & purchase coverage

Auto Rental Collision Damage Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Lost Luggage Reimbursement
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.

Trip Cancellation/Trip Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

Price Protection
If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.

Return Protection
You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year.

Extended Warranty Protection
Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

Fees and Rates

Annual Fee

First Year: $0.00

Foreign Transaction Fee


Annual Percentage Rate


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Estimated Monthly Spend

Include all spend at local and national grocery stores, such as Kroger and Whole Foods. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend related to airline, train, bus, taxi/ride-sharing, and hotels.
Include all spend in restaurants, cafés, and bars.
Include all spend in department stores and speciality retailers. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend at gas stations.
Include all other spend not covered in the above categories that you might put on a credit card. DO NOT INCLUDE rent and other bills where there is a surcharge for paying with a credit card.
Monthly Spend:
Annual Spend: