Editorial Review

United Explorer: Richer Rewards, Perks You’ll Actually Use

This card's valuable benefits — free bags, limited lounge access — and expanded bonus categories can easily make up for its annual fee, even if you fly United only occasionally.

Gregory KarpSeptember 5, 2019

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Our Take


NerdWallet rating 

The Bottom Line: If you fly United regularly and check a bag four times a year (that's one roundtrip for a couple with a bag apiece), you'll save money with this card, even after the annual fee.

Chase United Airlines Mileage Plus Credit Card

on Chase's website

Annual Fee

$0 for the first year, then $95

Regular APR

18.49% - 25.49% Variable APR

Intro APR


Recommended Credit Score

Quick Facts

Annual Fee
$0 for the first year, then $95
Annual Fee
$0 for the first year, then $95
Intro APR

Pros & Cons

  • Free checked bag and priority boarding

  • Two United Club passes annually

  • Has annual fee

  • Checked bag fee waived for fewer traveling partners than competitors

  • Best for frequent United flyers only

Alternate Pick: Greater flexibility

Chase Sapphire Preferred® Card

Transfer points to United, or use elsewhere

This card earns 2 points per dollar spent on travel and dining and 1 point per dollar elsewhere. You can transfer points on a 1:1 basis to about a dozen airline and hotel programs, including United, or you can use them to book travel through Chase at 1.25 cents per point. However, you won't get any airline-specific perks. Annual fee: $95.

Read our review

Compare to Other Cards

Annual Fee

$0 for the first year, then $95

Annual Fee

$0 for the first year, then $95

Annual Fee


Regular APR

18.49% - 25.49% Variable APR

Regular APR

17.49% - 24.74% Variable APR

Regular APR

16.74% - 24.74% Variable APR

Intro APR


Intro APR


Intro APR

0% on Purchases for 12 billing cycles

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Full Review

If you fly United Airlines even a few times a year, the United℠ Explorer Card can be a huge help, easily making up for its annual fee. For United travelers, it makes so much sense to have the card that the problem might be making a case against getting it.

That’s because, frequent-flyer miles aside, the card is practical. It helps with common hassles while flying United, especially dealing with luggage, whether you check it or carry it aboard. And upgrades to the card added in June 2018 help make the case for using it as an everyday credit card, not just when you’re flying United.

Most people don’t compare airline credit cards head-to-head like other cards — because the right card mostly depends on which airline you’re able to fly often.

If you did compare, though, you’d find that the United℠ Explorer Card is similar to competitors. But it has some features other large-airline cards don’t, like two free airport lounge passes per year and superior rental car insurance — perks you might actually use. Then again, the United card is skimpier than similar airline credit cards in how many free checked bags it offers for you and others on your reservation.

That’s the quick take on the United℠ Explorer Card. Here are the finer details.

United℠ Explorer Card: Basics and benefits

Card type: Airline.

Annual fee: $0 for the first year, then $95

Sign-up bonus: 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.


  • 2 MileagePlus miles per dollar spent on purchases from United.

  • 2 miles per dollar spent on restaurant purchases and hotel stays.

  • 1 mile per dollar spent on all other purchases.

  • United miles are worth an average of 1.3 cents apiece for domestic travel and 3.3 cents for international travel, according to NerdWallet valuations.

Interest rate: The ongoing APR is 18.49% - 25.49% Variable APR

Foreign transaction fee: None

Noteworthy perks: 

  • First checked bag free for you and a companion on your reservation

  • Two United Club one-time use passes per year

  • Global Entry/TSA PreCheck statement credit every four years

  • 25% off in-flight purchases

Where the United℠ Explorer Card shines

Free checked bags

It might not be the sexiest benefit a credit card can offer, but free checked bags are among the most valuable. You’ll get a first checked bag free for you and a companion on your reservation. That saves you $120 on a round-trip flight for you and a traveling partner ($30 per person each way). Do that once a year, and you’ve more than broken even on the annual fee, assuming you would have otherwise paid to check bags.

One important detail, though: You only get the checked bag waiver if you paid for the airfare with your United credit card. Not all airline cards have that restriction.

Priority boarding

Don’t usually check bags? Then priority boarding that comes with the card will help. Getting on the plane earlier — in a lower-number boarding group — means you’re more likely to find overhead bin space for your roll-aboard. And some flyers like to board earlier to get settled in their seat before the cabin gets crowded. Either way, priority boarding can be a welcome perk.

bonus Rewards

Typical United flyers might find the card’s perks more valuable than the frequent flyer miles it earns. In that way, the card might be thought of more as a membership card than a rewards card you use for everyday purchases. Still, if your goal is free flights or upgrades to a premium cabin, additional miles from credit card purchases are a great way to accomplish that. Changes to the card in June 2018 helped make the case for using the card for more everyday spending.

Earn 2 miles per dollar spent on eligible United purchases, including airfare, bag fees, seat upgrades, and in-flight food, beverage and Wi-Fi. Also earn double miles on two other spending categories relevant to travelers:

  • Restaurant purchases

  • Hotel stays

It earns 1 mile per dollar spent on everything else. Generally, miles are most valuable when used for award flights and seat upgrades.

Sign-up bonus

Bonuses can change periodically, but the card typically gives you enough miles — or nearly enough — to get a free domestic award flight. The current bonus: 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open.

Other perks

Like many travel cards, the United℠ Explorer Card comes with several other benefits. Here are a few you might find useful:

  • Lounge passes. A day pass at a United Club typically costs $59. So the value of the two free passes that come with being a card member already exceeds the annual fee.

  • Trusted traveler programs. The card offers a credit for the cost of a Global Entry or TSA PreCheck application fee when you use your card to pay for it. That could save you $100 or $85, respectively. Each program needs to be renewed every five years; the benefit on this card also renews every five years.

  • Primary car rental insurance. Unlike most airline and travel cards, car rental insurance is primary, meaning the card’s insurance kicks in before your own auto insurance, which can save you money — your insurance deductible — if you have an accident in a rental. You must pay for the rental with the card and decline the rental company's coverage.

  • No foreign transaction fees. Travel cards generally don’t charge the fee — 3% is common — for making purchases abroad. And it’s nice to know the United card doesn’t either. It also helps that the card uses the Visa network, which is widely accepted in other countries.

  • In-flight discounts. Cardholders get 25% off in-flight purchases, including Wi-Fi, food and beverages, when paying with the card.

United℠ Explorer Card: Drawbacks

Annual fee

The annual fee of $0 for the first year, then $95 is standard for this type of card but not cheap. Be sure you can extract more value from the card than you’re paying to hold it. Our calculator can help:

Checked-bag allowance

The checked-bag waiver is a pro and con. The card includes a bag benefit, but it’s stingier than cards from other large airlines. A family of four all checking bags will get bag-fee waivers on only half of them. By contrast, the Gold Delta SkyMiles® Credit Card from American Express offers the first bag free for you and up to eight other passengers on your reservation.

Reward redemptions

Generally, the best redemption options for MileagePlus miles are award flights and seat upgrades on United and its Star Alliance partners. That’s pretty limiting compared with general travel cards, which allow you to apply rewards to a wide range of travel-related expenses.

United℠ Explorer Card: Alternatives

For United loyalists, the other choices among United’s consumer credit cards are:

  • United Club℠ Card. This is a premium card that includes membership to United Club℠ airport lounges and more robust benefits.

  • United℠ TravelBank Card. This lower-tier card offers lesser rewards and perks, including no free checked bags, for no annual fee.

Here’s how the United Airlines consumer cards compare on key features:

If you mix your flying with other airlines, a general travel card might be a better fit. Good choices include the Chase Sapphire Preferred® Card and the Capital One® Venture® Rewards Credit Card.

If you mostly fly a different network carrier, its own airline card would suit you better.

And if you want to see how this card stacks up against other travel cards, explore NerdWallet’s best credit card offers page.

Is the United℠ Explorer Card right for you?

No credit card is a must-have, but if you’re a frequent flyer on United, the United℠ Explorer Card is easy to justify. Its free checked bags and lounge access passes alone can compensate for the annual fee. But if you spread your flying among several airlines, a cash-back or general travel credit card might serve you better.

Information related to the United Club℠ Card and the United℠ TravelBank Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of these cards.