The United℠Explorer Card, issued by Chase in partnership with United Airlines, is a mid-tier travel credit card offering a strong mix of airline benefits, mileage earning, and travel protections. It’s especially valuable for United customers looking to save on baggage fees, board early, and accumulate miles for future trips — all for a modest annual fee that’s often waived in the first year.
What Is the Unitedâ„ Explorer Card?
This co-branded card is designed for frequent United Airlines passengers who want reward miles, elite-style perks, and airport advantages without committing to a premium travel card. With key benefits like free checked bags, priority boarding, and lounge passes, it strikes a balance between cost and value.
Key Features and Benefits
Welcome Bonus
Earn 60,000 MileagePlus® miles after spending $3,000 in the first 3 months.
That’s enough for a round-trip domestic flight or even a one-way ticket to Europe with saver availability.
Free First Checked Bag
You and one companion get your first bag checked for free on United-operated flights when the ticket is purchased with the card. This can save up to $160 per round-trip.
Priority Boarding
Board with Group 2, ahead of most passengers — giving you early access to overhead bin space and a smoother boarding experience.
2 United Clubâ„ One-Time Passes
Receive two complimentary lounge passes per year, giving you access to United Club locations with snacks, Wi-Fi, and comfortable seating before your flight.
Earn Miles on Every Purchase
- 2X miles on:
- United® purchases
- Restaurants (including delivery)
- Hotels booked directly
- 1X mile on all other purchases
Miles earned never expire as long as your account is open.
Up to $100 Global Entry or TSA PreCheck® Credit
Get reimbursed for the application fee for one of these expedited travel programs every four years.
No Foreign Transaction Fees
Use your card abroad without incurring extra charges — a must-have for international travelers.
Travel and Purchase Protections
- Trip cancellation/interruption insurance
- Baggage delay reimbursement
- Lost luggage reimbursement
- Trip delay reimbursement
- Primary car rental collision insurance
Fees and Requirements
- Annual Fee: $0 intro for the first year, then $95
- Foreign Transaction Fees: None
- APR: Variable (typically 21.99%–28.99%)
- Credit Needed: Good to Excellent (typically 690+ FICO)
How to Apply
- Go to chase.com and search for the United Explorer Card
- Review current welcome offer, benefits, and full terms
- Apply online with your personal and financial information
- Many applicants get a decision instantly
- Card arrives by mail, ready to use for United flights and travel expenses
Conclusion: Is the Unitedâ„ Explorer Card Worth It?
Yes — if you fly United at least a few times per year. The card’s perks — free bags, lounge passes, and priority boarding — can easily outweigh the annual fee.
✅ Great value for frequent United flyers
✅ Powerful travel protections and loyalty benefits
✅ Earning structure fits both travel and daily spending
For those loyal to United but not ready to pay for a premium travel card, the United℠Explorer Card offers the perfect middle ground — with real savings and mileage potential on every trip.
