Chase United Explorer Credit Card Review

The United Explorer card is one of the most valuable airline credit cards on the market.

The Explorer card allows you to book a basic economy ticket and bring both a carry-on and checked bag for free.

The card also gets you two free United Club passes each year, expanded award avaliability to use your points, primary rental car insurance, and trip delay insurance.

Deals Points Card Rating:
4/5
Chase United Explorer Credit Card

United Explorer Card Information

Application Link: Chase United Explorer Card.

Current Sign Up Bonus: 60,000 United Miles.

Recommended Bonus: At least 60,000 United Miles.

Annual Fee: $95, but waived the first year.

Earning Rewards: 

  • 2x miles on United Airlines and eligible delivery services including GrubHub, Caviar, Seamless and DoorDash.
  • 2x miles at restaurants.
  • 2x miles at hotels booked directly.
  • 1x miles everywhere else.
Recommended ReadingChase 5/24 Rule and Check Your Application Status.

United Explorer Benefits on United Airlines

Free Checked Bag- You can enjoy a free checked bag for you and one travel companion on the same reservation when you use your Explorer card to purchase the ticket.

Priority Boarding- You and your companions on the same reservation enjoy priority boarding. This also allows you to bypass the Basic Economy restriction on bringing a carry-on bag.

2 United Club Passes– Every year you get two United Club passes on your account anniversary. 

Increased Award Space– Cardmembers have a better opportunity to book flights with their miles with increased award space (XN fare class). 

25% In-Flight Purchases- You can receive a 25% statement credit on any in-flight purchase of food, beverages, and Wi-Fi when you pay using your Explorer card. Plus you earn 2x miles.

Award Upgrades for Premier Members- If you are a United Premier Elite member, you can enjoy complimentary upgrades on award tickets when you fly.

Potential 5,000 Mile Bonus– If you maintain both the United Explorer and United Business card, you can earn 5,000 bonus miles each card anniversary for the United Business card.

Other United Explorer Benefits

Primary Rental Car Insurance: This coverage pays for any damage to your rental car when you pay for your rental using your United Explorer card. You still need to maintain liability coverage, but this benefit can save you thousands of dollars if something accidentally happens to your rental.

Trip Delay Insurance: This coverage reimburses you for up to $500 in expenses such as hotels, food, and transportation in the event that your flight is delayed for 12 hours or requires an overnight stay. This is one of my favorite benefits because it covers weather delays, which airlines do not. So while people are sleeping at the airport, you can enjoy a nice hotel and a four-course meal.

No Foreign Transactions Fees- You can use your Explorer card anywhere in the world without having to pay foreign transaction fees, which are typically 3%. 

Global Entry/TSA Pre-Check Credit- Cardmembers get a statement credit when they purchase 

Trip Cancellation and Interruption Insurance: This benefit covers up to $10,000 per person and $20,000 per trip of prepaid, nonrefundable travel expenses if you need to cancel a trip short because of a covered issue such as an illness or accidental injury by the covered person or their immediate family.

Baggage Delay Insurance: This coverage reimburses you for the purchase of essential items if your baggage is delayed more than 6 hours, and allows you can spend up to $100 per day for a maximum of 5 days.

Lost Luggage Reimbursement: If a common carrier loses your bag, you can seek reimbursement up to $3,000 per person for each trip including up to $500 per person for jewelry, cameras, and other electronic equipment.

Purchase Protection: This 120-day coverage protects your purchases from theft or damage up to $500 for each claim and up to $50,000 for each account. For example, if your new laptop was stolen or damaged within the first 120 days, you could seek reimbursement from Chase.

Extended Warranty– This benefit extends the U.S. manufacturer’s warranty by an additional year on warranties of three years or less.

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