United℠ Explorer Card
Issued by Chase
Rates verified August 2026
Welcome Bonus
Earn up to 60,000 bonus miles after qualifying activities.
Rewards Rate
1x miles · up to 2x on Dining
Annual Fee
$150
Recommended Credit Score
excellent
You'll be taken to the issuer's secure application
Rewards Program
1x miles · up to 2x on Dining
Welcome Offer
Earn up to 60,000 bonus miles after qualifying activities.
Annual Fee
$150 (waived first year)
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
None
Recommended For
Dining, Hotels, United Airlines
Why We Recommend This Card
2.0% on Dining
2.0% on Hotels
2.0% on United Airlines
Earn up to 60,000 bonus miles after qualifying activities.
$100 United® travel credit
Earn $100 in United® TravelBank cash after you spend $10,000 on purchases each calendar year with your United Explorer Card. You can use United® TravelBank cash toward future flights on United® or United Express®.
2 United Club℠ one-time passes each anniversary - over a $100 value
After account opening and on each anniversary - over a $100 value per year. For an updated list of United Club locations and any temporary closures, please visit
25% back on United inflight and Club premium drink purchases
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card.
3-Month Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you're automatically enrolled in Instacart+ at 25% off the annual rate. Service fees and Terms apply. Benefits end 12/31/27.
DoorDash
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Earn up to 1,000 Premier® qualifying points (PQP)
You’ll earn 1 PQP for every $20 you spend on purchases with your Explorer Card, up to 1,000 PQP in a calendar year. This can be applied toward your Premier® status qualification.
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Free first checked bag
The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free (up to $35 value, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit.
Lost Luggage Reimbursement
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Premier upgrades on award tickets
The primary Cardmember who has MileagePlus® Premier® status and is traveling on an award ticket and one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
Priority Boarding
The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
The Luxury Hotel & Resort Collection
This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
United Card Events from Chase and United MileagePlus Events
Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family. United MileagePlus® Visa Signature® Cardmembers may also use award miles to enjoy exclusive experiences, such as winemaker dinners and other unique virtual events. Please visit to learn more.
Up to $100 in credits on JSX purchases annually
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Explorer Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX
Up to $100 in United® Hotels credits
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your United Explorer Card, up to $100 each anniversary year.
Up to $120 Global Entry, TSA PrCheck® or NEXUS fee credit
Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
Up to $120 in Instacart credits
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Up to $50 in United travel credits on Avis or Budget purchases
Receive $25 in United® TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Explorer Card.
Up to $60 in credits on rideshare purchases
Enroll to receive up to $5 back as a statement credit each month on rideshare purchases when you pay with your United? Explorer Card, up to $60 each calendar year.
Network benefits (Visa) — 20 standard protections
Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Booking.com
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
Dovly Uplift™
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Global Entry Statement Credit
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
Golf Benefits from Troon Rewards®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
OpenTable
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
Enjoy access to over 1,700 airport lounges and experiences around the globe.
Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Roadside Dispatch®
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Stay connected in over 175 countries
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Trip Cancellation/Interruption Insurance
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Universal Destinations & Experiences
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Visa Concierge
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Visa Signature Concierge
Get assistance with travel planning, entertainment tickets and more.
Visa Signature Luxury Hotel Collection
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
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