50,000 Bonus Miles After You Spend $3,000 On Purchases In The First 3 Months From Account Opening
2X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges
2X miles per $1 spent on dining, including eligible delivery services.
United℠ Explorer
The Chase United℠ Explorer card is perfect for frequent flyers. Enjoy free checked bags, priority boarding, and earn bonus miles on everyday purchases. Skip security lines with Global Entry/TSA PreCheck credit. Relax with free United Club passes and travel worry-free with comprehensive protection. Save on in-flight purchases, and enjoy perks at luxury hotels, all with no foreign transaction fees.
Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.
Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.
Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.
The Chase United Explorer card can be downgraded to the Chase United Gateway ($0). Please note, Chase will only allow you to downgrade the card after 12 months of account opening.
When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.
Miscellaneous Benefits
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.
Global Entry and TSA Pre-check
Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
Miscellaneous Benefits
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.
Trip Delay Insurance
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.
Trip Cancellation 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.
Hotel 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.
Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Priority Boarding
The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
Upgraded Statuses
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.
Lost Luggage Insurance
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.
Free Baggage
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 .
Extended Warranty
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Credits
Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Explorer Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.
Credits
Get one-year complimentary DashPass, a 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 12/31/24.
Luggage 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.
Auto CDW Insurance
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.
Extra Redemption Value
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.
Credits
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
The points can be used at approximately 1 penny per point to book award flights with one of the following United airline partners:
- United Airlines
- Aegean Airlines
- Air Canada
- Air China
- Air India
- Air New Zealand
- All Nippon Airways (ANA)
- Austrian Airlines
- Avianca
- Brussels Airlines
- Copa Airlines
- Croatia Airlines
- EgyptAir
- Ethiopian Airlines
- EVA Air
- LOT Polish Airlines
- Lufthansa
- Scandinavian Airlines (SAS)
- Shenzhen Airlines
- Singapore Airlines
- South African Airways
- Swiss Airlines
- TAP Portugal
- Thai Airways
Why We Like it
The Chase United℠ Explorer card is a game-changer for frequent flyers. Here’s why we love it:
- Free Checked Bags – No more baggage fees.
- Priority Boarding – Get on the plane faster.
- Bonus Miles – Earn miles on everyday purchases.
- Global Entry/TSA PreCheck or NEXUS Credit – Breeze through security.
- United Club Passes – Free lounge access twice a year.
- Travel Protection – Trip cancellation and delay insurance.
- No Foreign Transaction Fees.
- In-Flight Discounts – Save on food, drinks, and Wi-Fi.
- Luxury Hotel & Resort Collection – Perks at fancy hotels.
- High Reward Categories – Earn more on dining and hotel stays.
Each feature makes your travel smoother and more rewarding. So, what's not to love?
Considerations
Chase United℠ Explorer Card
- Annual fee: $95, not waived for the first year.
- Limited lounge access: Only two United Club passes annually.
- Low earning rate on non-United purchases.
- Foreign transaction fees.
- Requires good to excellent credit.
- Rewards mainly beneficial for frequent United flyers.
- No introductory APR offer.


