How LendingTree Rates Credit Cards?
Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.Our take: The United℠ Explorer Card offers an excellent array of benefits that are well worth its annual fee, even if you only occasionally fly United Airlines.
For those who fly United Airlines, even only occasionally, the United℠ Explorer Card can be easily worth its annual fee. Cardholders enjoy perks such as a free checked bag on United flights, priority boarding, annual United Club passes and a credit for Global Entry, TSA PreCheck or Nexus. Add in solid travel protections, including primary rental car collision coverage, and you have a card that justifies its $95 annual fee.
The United℠ Explorer Card offers decent earning rates for United Airlines, dining and hotel purchases. However, you can do better with other cards, especially on everyday spending. A 2% cash back card like the Wells Fargo Active Cash® Card outperforms the United℠ Explorer Card in terms of ongoing return.
Ultimately, the card is one you get for its perks, not its earning potential. If you fly United Airlines at all, it’s worth considering for your wallet.
Intro Purchase APR
N/A
Regular Purchase APR
21.49% - 28.49% Variable
Intro BT APR
N/A
Regular BT APR
21.49% - 28.49% Variable
Annual Fee
$95
Cash Advance Fee
Either $10 or 5% of the amount of each transaction, whichever is greater.
Foreign Transaction Fee
$0
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Valuable sign-up bonus
While it is not the best-ever sign-up bonus that we’ve seen for the card, the current United℠ Explorer Card offer is solid. You can earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. This is usually enough for two domestic round-trip economy tickets, or a one-way economy ticket anywhere in United’s network.
Using an approximate value of 1.3 cent per United mile — an estimation based on real-world data — the sign-up bonus is worth approximately $780. This bonus can be enough to score you a couple domestic round-trip flights or even a round trip international flight in economy.
Earn miles on dining, hotels and United purchases
As you’d expect, the United℠ Explorer Card offers elevated earning on United Airlines purchases. However, the card offers a couple other bonus categories as well: Earn 2 miles per $1 spent on dining, hotel stays and United® purchases. 1 mile per $1 spent on all other purchases.
This is a decent value for people who frequently fly United Airlines, as the bonus category doesn’t include just airfare. You also earn 2 miles per $1 on inflight food and beverages, Wi-Fi and other United incidentals. The elevated dining and hotel earning rates complement the United earning for frequent travelers. Outside of these categories, however, the card has a lackluster earning rate. You could do better with a straight cash back credit card that earns 2% on all purchases, like the Wells Fargo Active Cash® Card.
Redeem miles for a good value
United miles are worth approximately 1.3 cents each when redeemed for award flights, which gets you the best value. However, you can get much more than this depending on the redemption.
United makes it easy to redeem miles online at united.com. Award flights can be as cheap as 5,000 miles one way, although the typical one-way domestic economy flight is in the 10,000 to 20,000 mile range. Premium cabin flights can range from 25,000 miles for domestic first class to over 100,000 miles for international business class. Given the cost of international business class fares, however, this can still provide excellent value for your United miles.
Free checked bags and priority boarding
Two of the best United℠ Explorer Card perks are the priority boarding and checked bag benefits. United Explorer cardholders enjoy Group 2 boarding privileges, ahead of all economy groups.
The free checked bag benefit can save you significantly each year. The primary cardmember and one companion on the same reservation each receive a free checked bag when you purchase your ticket using your card. This is a potential savings of $140 on a single domestic round trip for two passengers — by itself enough to justify the card’s $95 annual fee.
Global Entry/TSA PreCheck credit
Another benefit of the United℠ Explorer Card is its trusted traveler program credit. You can receive a statement credit of up to $100 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card. Trusted traveler programs can help you spend less time in security and customs lines. Given that these program memberships last up to five years, this is an annual value of $20.
2 United Club passes each year
Every year you’ll get two one-time United Club passes. These can be used to access any participating United Club, as long as there is capacity. United sells one-time passes for $59 each, so this is an annual value of $118.
Primary car rental insurance
The United℠ Explorer Card offers auto rental collision damage coverage, giving you peace of mind and saving you money when you use it to rent a car. The coverage is primary, which means it kicks in before any collision coverage under your personal auto insurance policy. Few other airline credit cards with an annual fee under $100 offer this benefit — it is more typical of premium travel cards.
The card will reimburse you up to the cash value of the car in the event of theft or damage of most rental cars in the U.S. and abroad. All you have to do is pay for the cost of your rental using your United℠ Explorer Card and decline the rental company’s collision coverage.
Other good travel protections
In addition to the primary auto rental collision damage waiver, the United℠ Explorer Card offers some other excellent travel insurance protections:
All of these benefits include fine print, so make sure you consult your card’s Guide to Benefits. You must pay for your travel with your United℠ Explorer Card in order to be covered.
Rewards are limited to United
You are locked into earning United MileagePlus miles with the United℠ Explorer Card. This could be great for some people. But for those who like more flexibility with their points, you would likely be better off with a general travel card, such as the Chase Sapphire Preferred® Card. The Chase Sapphire Preferred® Card earns points that can be used to book travel on any airline, or transferred to an array of partner loyalty programs — including United Airlines.
Annual fee
The card does have an annual fee of $0 Intro for the First Year, then $95. However, given the card’s excellent perks, the fee is reasonable, and in line with similar airline credit cards.
If you don’t fly predominantly with United — or any other airline specifically — the Chase Sapphire Preferred® Card may be a better fit. The card offers greater earning in the dining category and additional bonus categories, including online groceries and streaming services. Its earning rate on general travel is the same 2X as the United Explorer card, although it will earn 5X points for any travel booked through Chase Ultimate Rewards.
The annual fee is the same at $95. Additional perks include an annual $50 hotel credit and the ability to use your points to book travel with any airline, or transfer them to an array or partner loyalty programs – including United Airlines. Not to mention you can get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
For those who regularly fly United Airlines and are looking for an even nicer suite of benefits, consider the United Quest℠ Card. Its annual fee is steeper at $250, but the benefits can make up for it. The card provides two free checked bags for the cardholder and companion — one more than what the United℠ Explorer Card gives you. This is a potential savings of $320 on a single round-trip flight. The United Quest℠ Card also provides the same 25% back in-flight purchases, trusted traveler program credit, priority boarding and priority boarding benefits.
Beyond the additional checked bag, the card provides a $125 annual statement credit for United purchases, two 5,000-mile award flight rebates and increased earning rates. Spending on the card can also help you earn United Premier qualifying points, which can push you to a higher level of elite status. If you fly with United routinely, this card is worth having in your wallet.
Similar to the Chase Sapphire Preferred® Card, the Capital One Venture Rewards Credit Card is likely a better option for those who want a general travel credit card and not one locked into a specific airline. The card’s earning structure is simple — you earn unlimited 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
You can redeem Capital One Venture miles in a variety of ways, including to directly offset the cost of travel purchases. You can also transfer your miles to more than 15 airline and hotel loyalty programs, which often yields the best value.
Like the United℠ Explorer Card, the Capital One Venture Rewards Credit Card offers a TSA PreCheck/Global Entry application fee credit and doesn’t charge foreign transaction fees. Its fee is equivalent — $95 per year. What it’s missing is any airline-specific benefits, making it ideal for those who are more interested in scoring award flights than airline perks.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Annual Fee | |
|---|---|---|---|---|---|
United℠ Explorer Card
 Apply Now
on Chase's secure site |
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. | Earn 2 miles per $1 spent on dining, hotel stays and United® purchases. 1 mile per $1 spent on all other purchases | $95 |
Apply Now
on Chase's secure site |
|
Chase Sapphire Preferred® Card
Apply Now
on Chase's secure site |
Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That's worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year. | Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more. | $95 |
Apply Now
on Chase's secure site |
|
United Quest℠ Card
Apply Now
on Chase's secure site |
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open. | 3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & all other travel. 1 mile per $1 spent on all other purchases. Plus, each year, receive up to a $125 United® purchase credit and up to 10,000 miles in award flight credits (terms apply) and earn up to 6,000 Premier qualifying points. | $250 |
Apply Now
on Chase's secure site |
|
Capital One Venture Rewards Credit Card
Apply Now
on Capital One's secure site Rates & Fees |
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | 2 Miles per dollar on every purchase, every day; 5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel | $95 |
Apply Now
on Capital One's secure site Rates & Fees |
If you’re a frequent United flyer, a card like the United℠ Explorer Card can greatly enhance your travel experience and save you significant money. The free checked bag, priority boarding, and annual United Club benefits are enough to justify its annual fee. Plus, it offers a decent sign-up bonus, and the ability to earn extra miles for spending on restaurant and hotel accommodations.
If you rarely travel with United, however, a general travel card is likely a better fit. Consider a card like the Chase Sapphire Preferred® Card, which lets you use your points in a variety of ways. It’s long been one of the best Chase credit cards for travel.
If that doesn’t sound like a fit either, there are plenty of excellent rewards credit cards available.
While the United℠ Explorer Card doesn’t offer coverage as extensive as some premium travel rewards cards, it does offer solid travel insurance protections. These include primary auto rental collision damage coverage, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement and trip cancellation/interruption insurance.
Yes, you can use your United℠ Explorer Card before it arrives. Chase offers a “Spend Instantly” feature where you can add a card through the Chase mobile app to your digital wallet.
The United℠ Explorer Card provides primary auto rental collision damage waiver coverage. You must charge the entire cost of the rental to your card and decline any collision coverage offered by the car rental agency.
No, the United℠ Explorer Card does not charge foreign transaction fees. Foreign transaction fees are typically around 3%, so this is a savings of $30 for every $1,000 you spend outside the U.S.
Yes, you can receive one statement credit of up to $100 every four years that reimburses the application fee for Global Entry, TSA PreCheck® or NEXUS. You must charge the application fee to your United℠ Explorer Card to receive the credit.
Chase cards typically take two weeks to arrive in the mail after approval. However, you are able to use the Chase app to add your United℠ Explorer Card to a digital wallet before it arrives through the Spend Instantly feature.
For Capital One products listed on this page, some of the above benefits are provided by third parties such as Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as certain terms, conditions, and exclusions apply.
The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
