United Explorer Card overview
The United℠ Explorer Card (see charges and charges) is not your common airline bank card, because it’s full of premium-like perks that you simply usually see from bank cards with a excessive annual payment. This card is a superb choice for many who do not fly with United Airways regularly however need to take pleasure in premium perks after they fly. You must also take into account the Explorer for those who do not need to pay as excessive an annual payment as these discovered on United’s extra premium playing cards. Card score*: ⭐⭐⭐⭐
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The United Explorer Card has an introductory annual payment of $0 for the primary yr, then $150 thereafter and affords many advantages.
Apart from the same old airline bank card perks like free checked luggage and precedence boarding, the United Explorer has a handful of premium-level advantages. It underwent a refresh in March that included the addition of assertion credit. Nonetheless, it additionally elevated its annual payment by virtually 50%.
The really useful credit score rating for the United Explorer is no less than 670, nevertheless it’s not exceptional to be authorized with a decrease rating.
Here is what it is advisable know in regards to the card, its advantages and whether or not it deserves a spot in your pockets.
United Explorer execs and cons
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United Explorer welcome provide
New candidates for the United Explorer Card can earn a welcome bonus of 60,000 bonus miles after spending $3,000 on purchases within the first three months after account opening. That is the typical welcome bonus we see on this card.
Plus, you’ll be able to earn an extra 10,000 bonus miles while you add a certified person within the first three months your account is open.
TPG’s August 2025 valuations peg United miles at 1.3 cents apiece, making this welcome provide price $780 (not together with the potential miles you’ll be able to earn from including licensed customers).
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It is essential to notice that this card is topic to Chase’s 5/24 rule. Moreover, you will not be eligible for a welcome bonus when you’ve got acquired one on this card prior to now 24 months.
Associated: The very best welcome affords of the month
United Explorer advantages
The United Explorer Card affords a very good mixture of perks for each frequent and occasional United flyers.
United Membership passes
You may obtain a pair of one-time United Membership passes deposited into your United MileagePlus account every cardholder anniversary yr. This profit alone is price $118 per yr, as a day cross on the lounge prices $59 every with a same-day boarding cross.
Notice {that a} buddy or member of the family can solely use certainly one of your passes if the first cardholder or licensed person can also be getting into the lounge.
TPG bank cards editor Olivia Mittak finds nice worth within the United Membership passes this card supplies; so long as she flies with a Star Alliance airline twice a yr, she will be able to virtually get again the price of the annual payment in worth. United Membership passes can be utilized everytime you’re flying on any Star Alliance airline.
Associated: First look: United Airways debuts huge new membership in Denver
Elitelike perks
- First checked luggage at no cost: For the first cardholder and one journey companion on the identical reservation while you e-book together with your card
- Premier Entry: Consists of precedence check-in, safety screening, boarding and baggage dealing with the place out there
- Expanded award availability: Entry to further saver award ticket availability
- Inflight low cost: 25% again on United inflight purchases, together with meals, drinks and Wi-Fi. Plus, obtain 25% again on premium drink purchases within the United Membership.
- Award mileage low cost: Skill to earn a ten,000-mile low cost on award tickets after spending $20,000 every calendar yr with the cardboard
If getting free checked luggage and a pair of United Membership passes would elevate your journey expertise with the airline, this card holds loads of worth.
Assertion and journey credit
- Lodge assertion credit score: As much as $50 again as an announcement credit score on the primary and second pay as you go resort bookings when utilizing the Explorer Card and reserving straight by United Resorts
- Experience-hailing credit score: As much as $60 for ride-hailing purchases, given as as much as $5 month-to-month credit (activation is required)
- JSX assertion credit score: As much as $100 in JSX assertion credit every anniversary yr when reserving straight with JSX
- World Entry, TSA PreCheck or Nexus credit score: An utility payment credit score each 4 years for as much as $120
- Instacart credit score: A $10 month-to-month Instacart credit score, plus a three-month complimentary Instacart+ membership (ends Dec. 31, 2027)
- United TravelBank money: As much as $25 in United TravelBank money on your first and second Avis and Funds automobile leases booked by vehicles.united.com and paid for with the cardboard
- United journey credit score: $100 in United TravelBank money after spending no less than $10,000 on purchases together with your card
Elite standing shortcuts
United elite standing qualification is predicated on Premier qualifying factors and Premier qualifying flights. You may earn 1 PQP for each $20 you spend on purchases together with your Explorer Card (as much as 1,000 PQPs in a calendar yr) that may be utilized towards your Premier standing qualification, as much as the Premier 1K degree.
Journey and buy protections
With the United Explorer, you are getting numerous journey and buy safety advantages, together with:
DoorDash
For one yr, get complimentary DoorDash DashPass to obtain limitless deliveries by DoorDash and Caviar with $0 supply charges and decrease service charges on eligible orders. After 12 months, you’ll be auto-enrolled in DashPass on the present $9.99 month-to-month fee. It’s essential to enroll by Dec. 31, 2027 to obtain this profit.
Instacart+ membership
Cardholders obtain a complimentary three-month Instacart+ membership, which incorporates limitless supply and $0 supply charges on eligible orders. After three months, the membership is mechanically renewed at a decrease annual fee, which features a 25% low cost.
Contemplating all these advantages, the $150 annual payment in yr two and past appears properly price it.
Associated: Why I am truly not upset in regards to the United Explorer’s modifications
Incomes miles with the United Explorer
As a cardholder, you may earn:
- A minimum of 7 miles per greenback spent on United flights (you could earn extra relying in your degree of United MileagePlus elite standing)
- 5 miles per greenback spent on pay as you go United Resorts
- 2 miles per greenback spent on all different United purchases, different resort stays and eating
- 1 mile per greenback spent on all different purchases
In accordance with TPG’s August 2025 valuations, this virtually equates to a 9.1%, 6.5%, 2.6% and 1.3% return on spending, respectively.
These are excellent incomes charges on United flight purchases, a number of the greatest available on the market. Nonetheless, the incomes charges are lackluster for different bonus classes like eating, motels and on a regular basis spending, and higher card choices exist available on the market.
Associated: My high 3 picks for the perfect cobranded resort bank card
Redeeming miles with the United Explorer
You may redeem your MileagePlus miles throughout United’s huge community of home and worldwide routes and on the service’s 24 Star Alliance and 15 nonalliance airline companions.
United makes use of a dynamic pricing construction by itself flights, so the worth of your miles will range when redeeming for United awards. Home awards in economic system usually begin at simply 5,000 miles one-way, however we have seen gross sales with tickets as little as 3,900 miles.
We suggest avoiding non-flight redemptions, akin to resort stays or merchandise, together with your United miles, as they provide a poor worth proposition.
Associated: get most worth from the United MileagePlus program
Which playing cards compete with the United Explorer?
A number of playing cards compete with the United Explorer:
- If you’d like a premium United expertise: The United Membership℠ Card (see charges and charges) is the perfect card for United lounge entry — bar none. For any loyal United flyer who spends important cash with the airline every year, this card would make an awesome addition to your pockets. To be taught extra, learn our full evaluate of the United Membership Card.
- If you’d like a extra all-around card: The Chase Sapphire Most well-liked® Card (see charges and charges) is without doubt one of the hottest journey rewards bank cards available on the market. It affords bonus factors in a number of classes, together with journey and eating, and a slew of journey protections in case one thing goes awry when touring. Moreover, you may have entry to Chase’s glorious roster of switch companions that may present most worth when redeeming your factors. To be taught extra, learn our full evaluate of the Sapphire Most well-liked.
- If you’d like tons of perks: The Platinum Card® from American Specific is without doubt one of the high premium journey rewards playing cards. As a cardmember, you may earn priceless Membership Rewards factors, obtain helpful annual assertion credit and get entry to an intensive community of airport lounges worldwide, as this card affords the perfect lounge entry available on the market. Enrollment is required for choose advantages; phrases apply. To be taught extra, learn our full evaluate of the Amex Platinum.
For extra choices, try our full record of the greatest United journey playing cards and the greatest airline playing cards.
Associated: Is the United Membership Card annual payment price it?
Is the United Explorer price it?
Should you fly with United or its companions no less than a couple of times a yr, we suggest making use of for the United Explorer. With a number of assertion credit, lounge passes and a free checked bag, the United Explorer Card is jam-packed with perks to reinforce your journeys from begin to end.
Backside line
The United Explorer Card is not your run-of-the-mill airline bank card. It has an honest incomes fee to stockpile United miles you can redeem for future journey and a spread of advantages.
So long as you make the most of its lounge passes and assertion credit, this mid-tier card — which has a $0 introductory annual payment for the primary yr ($150 every year thereafter) — has a low value with appreciable worth.
With these items in thoughts, this card would make an awesome addition to most United flyers’ wallets.
Apply right here: United Explorer Card
