UnitedSM Explorer Card
At A Glance
Free first checked bag, 2 United ClubSM one-time passes per year, priority boarding and over $500 in annual partner credits.*
Industry Award
United Explorer Card from Chase, NerdWallet's 2026 Best Of Awards winner for Best Credit Card Airline Benefits.
©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.
Travel Credit Card Rewards & Benefits
NEW CARDMEMBER OFFER
Earn 70,000 bonus miles
after you spend $3,000 on purchases in the first 3 months your account is open.*
Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.*
This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.
UNITED PERKS
Travel with United
Free first checked bag - the primary Cardmember and one companion can each check a first standard bag for free - save up to $160 per roundtrip.*
Priority boarding - the primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.*
2 United Club one-time passes per year - Over a $100 value. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi and more.*
TRAVEL PERKS
Even more travel benefits for you to enjoy
Earn a 10,000-mile award flight discount after spending $20,000 each calendar year to use toward an eligible award flight.*
Up to $120 as a statement credit for Global Entry, TSA Precheck® or NEXUS every 4 years as reimbursement for the application fee for either program when charged to your card.*
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
Over $500 in annual partner credits
$100 United® travel credit - Earn after you spend $10,000 with your UnitedSM Explorer Card within a calendar year.*
Up to $100 in credits annually - Receive on prepaid hotel stays purchased directly through United® Hotels with your UnitedSM Explorer Card.*
Up to $60 in credits each calendar year - Enroll to receive on rideshare purchases when paying with your UnitedSM Explorer Card.*
Up to $50 in United travel credits annually - Receive when you book Avis or Budget car rentals directly through cars.united.comOpens in a new window and pay with your UnitedSM Explorer Card.*
Up to $120 in Instacart credits each calendar year - Receive for purchases made directly through Instacart with your UnitedSM Explorer Card. Terms apply.*
Up to $100 in credits annually - Receive on flights purchased directly through JSX with your UnitedSM Explorer Card.*
Explore Additional Benefits
United Explorer Card travel benefits
Free first checked bag – save up to $160 per roundtrip
The primary Cardmember and one companion traveling on the same reservation will each receive their first standard checked bag free (up to $40 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 (this purchase requirement is waived for flights during the 90 days from account opening).* For complete details, please visit united.com/ChaseBagOpens in a new window.
Priority boarding
The primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.*
2 United ClubSM one-time passes
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 united.com/UnitedClubOpens in a new window.*
Up to $120 Global Entry, TSA PreCheck® 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.
25% back on United inflight and Club premium drink purchases
You'll get 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.*
Earn a 10,000-mile award flight discount each year
Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year with your United℠ Explorer Card to use toward an eligible award flight.*
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.*
No foreign transaction fees
Purchases made with your Explorer Card outside the U.S. will not be subject to foreign transaction fees.† For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.
United Card Events from Chase and United MileagePlus Exclusive Events
Pursue more of your passions with the 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. Please visit UnitedCardEvents.comOpens in a new window to learn more.
Through MileagePlus Exclusives, Cardmembers can use their miles to enjoy unique opportunities, such as exclusive multi-course dinners, sporting events, concerts, and behind-the-scenes experiences in United's operations facilities. Visit united.com/cardeventsOpens in a new window to learn more.
$100 United® travel credit
Earn $100 in United® TravelBank cash after you spend $10,000 on purchases each calendar year with your UnitedSM Explorer Card. You can use United® TravelBank cash toward future flights on United® or United Express®.*
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 UnitedSM Explorer Card, up to $100 each anniversary year.*
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. Yearly opt-in is required.*
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.comOpens in a new window and paid for with your UnitedSM Explorer 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 UnitedSM Explorer Card. Terms apply. Benefits end 12/31/27.*
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 UnitedSM Explorer Card. JSX is a crowd-free hop-on jet service that offers you the perks of private jet travel without the private jet price tag. To learn more, visit united.com/JSXOpens in a new window.*
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.*
Earning MileagePlus miles
In addition to earning miles for purchases made with your card, you can earn miles by flying with UnitedSM, United Express®, Star Alliance™ and other airline partners. You can also earn miles from Mileage Plus partners for hotel stays and car rentals, online shopping, eGift card purchases and by using the MileagePlus X app to pay at your favorite restaurants and retailers. Maximize your mileage earning power when you use your card to pay at MileagePlus partners. You'll earn miles for card purchases plus the miles offered from the partner. See united.com/earnOpens in a new window for details on earning miles.
No blackout dates
MileagePlus members can use miles to book any United-operated flight Partner benefits, any time, with no restrictions or blackout dates. *For more information, please visit united.com/AirAwardsOpens in a new window
MileagePlus miles don't expire
MileagePlus miles never expire. This MileagePlus program benefit gives you a lifetime to use your miles on flights and much more.
Using MileagePlus miles
Your miles can reward you with getaways, unique experiences, or things you love - anything from electronics to dinner at one of your favorite restaurants. Use them for flights on United and other airline partners, hotel stays, car rentals, merchandise, eGift cards and more. See united.com/UseMilesOpens in a new window for details on using miles. Chase Cardmembers can also use miles they've earned with their card to receive a statement credit for United ticket purchases and their annual card membership fee.
You're covered with built-in benefits
Guide to BenefitsOpens in a new window (see your purchase and travel protection benefit details)
Auto Rental Coverage
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.Δ Same page link to disclaimer Δ, ΔΔ Same page link to disclaimer ΔΔ
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.Δ Same page link to disclaimer Δ
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.Δ Same page link to disclaimer Δ, ΔΔ Same page link to disclaimer ΔΔ
Trip Cancellation and Interruption Insurance
You can be reimbursed up to $1,500 per covered traveler 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 or other covered situations.Δ Same page link to disclaimer Δ
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.Δ Same page link to disclaimer Δ
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.Δ Same page link to disclaimer Δ, ΔΔ Same page link to disclaimer ΔΔ
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.
Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.Δ Same page link to disclaimer Δ
Δ Same page link to disclaimer reference Δ Travel And Purchase Protection: These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are provided by unaffiliated companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. For full coverage details, cardmembers can refer to their Guide to Benefits, provided after account opening, or call the number on the back of their card for assistance.
ΔΔ Same page link to disclaimer reference ΔΔSpecific limitations apply to New York residents: Auto Rental Coverage - inside the United States coverage is secondary to Your personal automobile insurance; Lost Luggage Reimbursement - additionally limited to $2,000 per bag and $10,000 for all Covered Travelers per Trip; Purchase Protection - coverage period is 90 days from the date of purchase.
For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactlessOpens in a new window.
Apply for a card, use it the same day
Receive instant access to your card by adding it to a digital wallet, like Apple Pay®, Google Pay™ or Samsung Pay. Find out how at chase.com/digital/spend-instantlyOpens in a new window.
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.*
Chase Pay Over Time* lets eligible Chase customers* break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:
After purchase (formerly My Chase Plan®): Pay off an eligible purchase* you've already made of $100 or more* in smaller, equal monthly payments. No interest - just a fixed monthly fee† with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.
At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more* using your eligible Chase credit card at Amazon.com* could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.
Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.
For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertimeOpens in a new window.
Refer Friends if you already have a United℠ Explorer Card!
Earn up to 100K bonus miles per year. You can earn 10,000 bonus miles for each friend that gets approved for any United MileagePlus® Card. Click the button below to start referring.