United Airlines is a major American airline that flies nearly 150 million passengers to more than 350 destinations, and JPMorgan Chase is the largest bank in the U.S., with over $2 trillion in assets according to the Federal Reserve. Prospective Chase cardholders can select from almost 30 different Chase credit cards, each with its own perks and conditions. Travelers, however, might want to consider the United Explorer card from Chase, which comes with a variety of airline-based rewards.
Keep reading to find out if this Chase travel credit card fits your lifestyle.
United Explorer Review
The Chase United Explorer credit card is intended for personal use. Any individual over the age of 18 may apply for the card. This Chase card allows you to rack up MileagePlus miles, which you can use toward your next United flight. You earn one mile for every $1 spent on all purchases and two miles for every $1 spent purchasing a ticket from United, eating at a restaurant or buying hotel accommodations.
Earn United MileagePlus Bonus Miles
New United Explorer card members can receive 40,000 bonus miles provided they make $2,000 worth of purchases within the first three months of opening an account. Once you qualify for the bonus, you’ll have to wait six to eight weeks for the credit to appear on your account. If you close the account within six months of opening but would otherwise qualify for the bonus, Chase and United can revoke the bonus miles. On top of thousands of bonus miles, card members can also expect a $100 credit after their first purchase.
Don’t enjoy traveling solo? You can qualify for an additional 5,000 bonus miles if you add another user to your account within the first three months of opening it and after making your first purchase.
The United Explorer card comes with a variety of advantages capable of making travel a cinch. When you use the card to pay the $100 Global Entry application fee or the $85 TSA Precheck fee, you will be issued a credit that will cover the cost of the application.
When it comes time to check your bags, cardholders and one travel buddy on the same reservation each get to check their first bag free. Don’t worry about rushing to your gate, either. United Explorer lets you take advantage of priority boarding, but you must include your MileagePlus number in your United or United Express reservation. Once on board, treat yourself to some snacks or leisure items; Chase offers 25 percent back on food, drinks or WiFi purchases made on United and United Express flights.
United Explorer APR and Fees
The Chase United Explorer card comes with a variable APR, depending on your creditworthiness. APRs range from 17.74% to 24.74%. The bank will not charge you interest on purchases if you pay off your whole account balance by your bill’s due date.
United Explorer card members get their first year of membership free. After that, however, an annual membership fee of $95 is required.
Late payments incur an additional charge of $15 if the balance is less than $100, $27 if the balance is over $100 and $37 on balances exceeding $250. Returned payments also carry a fee of up to $37.
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United Explorer Perks and Terms
The Chase United Explorer credit card comes with the following perks and terms:
- Opportunity to earn 45,000 bonus miles
- Two United Club one-time passes upon opening your account, and every 12 months thereafter
- Multiple travel bonuses that save money on luggage, amenities and more
- Relatively simple mile accrual system
- Annual membership fee of $95 after the first year
- Late payment fees increase by account balance
- Limited flexibility when using miles since they’re restricted to United
Is the United Explorer Card Right for You?
The United Explorer card is primed for those who love traveling. Obviously, those who don’t enjoy flying United Airlines might find themselves at a disadvantage, but for those looking to streamline their travel, this card comes with many advantages. The travel benefits alone help you save money on top of the intended trips you can take with your accumulated miles.
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