United℠ Explorer Card

United℠ Explorer Card

Fees:

  • No annual fee for the first year; $95 annually thereafter.

APR:

  • Variable APR of 21.24%–28.24%.

Offer:

  • Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months.
  • Earn 5,000 bonus miles after adding an authorized user within the first 3 months.

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United℠ Explorer Card
Features
  • Earn 7x miles on United flights (5x as a MileagePlus member and 2x with the card).
  • 2x miles on hotel stays and dining (including eligible delivery services).
  • 1x mile on all other purchases.
  • Free first checked bag for the cardholder and a companion (up to $160 savings per round trip).
  • Priority boarding for cardholder and companions on United flights.
  • Two United Club one-time passes annually for lounge access.
  • Up to $120 statement credit for Global Entry, TSA PreCheck®, or NEXUS every four years.
  • 25% back as a statement credit for onboard food, beverages, and Wi-Fi purchases.
Details

The United℠ Explorer Card offers strong value for frequent United Airlines travelers. With a generous welcome bonus of 60,000 miles and 5,000 additional miles for adding an authorized user, the card provides a quick way to earn travel rewards. Cardholders benefit from earning up to 7x miles on United purchases and 2x miles on dining and hotel stays. Additional perks include free checked bags, priority boarding, and two United Club passes annually. With a $0 annual fee for the first year and a $95 fee thereafter, this card is an excellent choice for United travelers seeking additional travel benefits.

Pros
  • Generous welcome bonus of 60,000 miles and 5,000 bonus miles for adding an authorized user.
  • Free first checked bag for two travelers.
  • Priority boarding and two United Club passes annually.
  • Enhanced earning potential on United flights, dining, and hotel stays.
  • Statement credit for Global Entry, TSA PreCheck®, or NEXUS application fees.
Cons
  • $95 annual fee after the first year.
  • Bonus earning categories are United-focused, limiting non-United spending rewards.

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Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.