United Explorer Card Review
Chase · Frequent United Airlines flyers
4.3 / 5 (1543 reviews)
Annual Fee
$95 (waived first year)
Rewards
2x United flights, dining & hotels, 1x everything else
Regular APR
21.49% – 28.49%
Credit Needed
Good (670-749)
Our Expert Verdict
8/10
Editor's Score
The go-to card for United Airlines flyers. The free first checked bag alone is worth $70 per round trip, easily covering the $95 annual fee after just one or two United flights per year. Two United Club lounge passes, priority boarding, and solid travel protections make this a must-have for frequent United travelers.
Pros
- Free first checked bag saves $70/trip
- Priority boarding
- 2 lounge passes/year
- 60K mile sign-up bonus
- Fee waived first year
Cons
- $95 annual fee after year 1
- Limited value for non-United flyers
- 1x on most spending
Sign-Up Bonus
60,000 miles after spending $3,000 in 3 months
Key Benefits & Perks
Annual fee waived first year
Free first checked bag (saves $35/bag each way)
Priority boarding
2 United Club one-time passes per year
25% back on in-flight purchases
No foreign transaction fees
Trip cancellation insurance
Rewards Breakdown
| Category | Rate |
|---|---|
| United Airlines purchases | 2x |
| Dining | 2x |
| Hotels | 2x |
| Everything else | 1x |
User Reviews
Customer Reviews
4.3
1,543 reviews
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