- Sign-Up Bonus
- 4
- Spending Multipliers
- 3.5
- Credits & Features
- 4.5
- Fees
- 3.5
- Application
- 4
- Issuer
- 5
Summary
09/07/2026: Welcome offer lowered to 60K Points
04/05/2026: Chase has made several upgrades to the United Explorer card, such as increasing the sign-up bonus to 80K Miles, increasing the miles earned on United flights to 9x and 3x on all other United purchases, as well as adding a 10% discount on flights purchased with miles
- Sign-Up Bonus
- 4
- Spending Multipliers
- 3.5
- Credits & Features
- 4.5
- Fees
- 3.5
- Application
- 4
- Issuer
- 5
The Chase United Explorer Card is a travel rewards card designed for frequent flyers who want to maximize benefits specifically with United Airlines while enjoying no foreign transaction fees and first-year fee savings. Ideal for loyal United travelers, the card offers perks such as free first checked bag, priority boarding, two United Club passes, and 25% back on in-flight purchases, along with robust travel protections like purchase protection up to $10,000 per claim, auto rental collision damage waiver, and trip cancellation/interruption insurance up to $1,500 per person. Cardholders can also take advantage of credits including $100 United travel credit after $10,000 annual spend, semi-annual hotel and car rental credits, rideshare and Instacart credits, and $120 credit for Global Entry or TSA PreCheck every four years. While some benefits are incremental or time-limited and features are closely tied to United Airlines, the Chase United Explorer card is best suited for frequent flyers seeking airline-specific perks, travel protections, and rewards that enhance their United travel experience.
Pros
Cons
Issuer
Chase, tracing its roots to 1799, has evolved into the largest bank in America with a global presence and over 240,000 employees. Founded with a mission to provide clean water to New York and using its surplus for its banking operations, Chase introduced its first credit card in 1958 and remains prominent in the credit card space, notably enforcing the "5/24 rule." Serving a diverse customer base with a focus on individuals and businesses, Chase offers a comprehensive range of financial products, including checking accounts, credit cards, loans, and investment services. With total assets reaching $4.6 trillion and an annual revenue of $280 billion in 2025, Chase stands as a financially stable institution. Committed to innovation, the bank invests $15 billion in technology, providing an intuitive online and mobile banking experience. Chase's philanthropic efforts align with addressing environmental and social challenges, exemplified by its Sustainable Development Target. Collaborating with various companies like Amazon, Southwest, United, Marriott, and Disney to name a few, Chase offers co-branded cards and operates over 4,700 branches in the US, emphasizing accessibility. Grounded in core principles, Chase strives to deliver exceptional client service, uphold integrity, and support employee growth, maintaining regulatory compliance as an FDIC, FINRA, and SIPC member and an equal housing opportunity lender.
Spending Multipliers
9x
Miles on United flight purchases
3x
Miles on United Airlines purchases
2x
Miles on hotels
2x
Miles on dining purchases
1x
Miles on all other purchases
Credits & Features
Application
- Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
- Welcome bonus is only available if you don’t have this card and did not open this card in the last 24 months
- Consider having at least a credit history for 1 year
- Avoid applying for more than 2 Chase cards in 30 days
Fees
- $150 Annual Fee
- No Foreign Transaction Fee
- Up to $40 late fee
- Up to $40 return payment fee
- 19.74% - 28.24% Variable APR
- 28.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 19.74% - 28.24% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)