United℠ Explorer Card
Chase · Visa
4.2/5 RatingGood to Excellent (670+)
Key Details
- Annual Fee
- $95
- Regular APR
- 21.49%–28.49%
- Intro APR
- None
- Foreign Transaction Fee
- None
- Balance Transfer Fee
- 5%, min $5
- Rewards Rate
- 1x–2x miles
Sign-Up Bonus
60,000 bonus miles after spending $3,000 in first 3 months
Rewards Structure
- United purchases2x
- Dining, hotel (directly)2x
- All Other Purchases1x
Pros
- ✓Free first checked bag ($120+ value/year for frequent flyers)
- ✓2 United Club lounge passes per year
- ✓Priority boarding
- ✓25% back on United in-flight purchases
Cons
- ✗$95 annual fee
- ✗Only 1x on non-category spend
- ✗Miles tied to United
Who Should Get This Card?
United Airlines frequent flyers who want to save on checked bags and enjoy priority boarding. The free bag benefit alone can offset the annual fee.