United Explorer Card

United Explorer Card Bonus Categories

$150/yr annual fee. 5 bonus categories benefits, with what each is worth and the limits that apply.

Annual fee
$150/yr
Estimated value
$160/yr
Benefits
5

3x on united purchases

3x points

3x miles on United purchases

10,000-Mile Award Discount After $20K Spend

10000% off

Get a 10,000-mile discount on award flights when you spend $20,000 on purchases each year.

Pro Tips

  1. 1Track your spend throughout the year to ensure you hit the $20K threshold
  2. 2Discount expires 12 months after issue
  3. 3Can turn a 12,500-mile one-way into just 2,500 miles with the discount

Value Analysis

Estimated Value
$120

Earn Up to 1,000 Premier Qualifying Points (PQP) from Card Spend

Included

Earn 1 PQP for every $20 spent, up to 1,000 PQP annually, to help reach United Premier status tiers.

Pro Tips

  1. 1To maximize PQP, spend $20,000 annually to hit the 1,000 PQP cap
  2. 2PQP are separate from award miles - you earn both on each purchase
  3. 3Combine with flights to help reach Premier status faster

Value Analysis

Estimated Value
$40

2x on hotels

2x points

2x miles on hotel stays booked directly with hotels

2x on dining

2x points

2x miles on dining purchases

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.