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Earn premium miles on United flights with valuable travel perks and club access
Earn 7x total miles on United flights and 2x on dining, hotels, and other travel. Unlock over $500 in annual travel credits including $100 United travel credit, $100 hotel credits, and 2 complimentary United Club passes. Get free checked bags, priority boarding, and premium travel protections—all designed for frequent United travelers.
$150
Annual Fee
70,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Good to Excellent
Welcome Offer
70,000
Airline
Spend $3,000 in the first 3 months
New cardholders receive 70,000 bonus miles after spending $3,000 in the first 3 months of opening the account. Plus, earn an additional 10,000 bonus miles when you add an authorized user. These miles are worth approximately $700-1,050 in travel value depending on how you redeem them. Combined with the card's strong earning rates and generous travel perks, new cardholders can quickly accumulate significant rewards toward their next United trip.
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Earn premium miles on United flights with valuable travel perks and club access
Earn 7x total miles on United flights and 2x on dining, hotels, and other travel. Unlock over $500 in annual travel credits including $100 United travel credit, $100 hotel credits, and 2 complimentary United Club passes. Get free checked bags, priority boarding, and premium travel protections—all designed for frequent United travelers.
$150
Annual Fee
70,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Good to Excellent
Welcome Offer
70,000
Airline
Spend $3,000 in the first 3 months
New cardholders receive 70,000 bonus miles after spending $3,000 in the first 3 months of opening the account. Plus, earn an additional 10,000 bonus miles when you add an authorized user. These miles are worth approximately $700-1,050 in travel value depending on how you redeem them. Combined with the card's strong earning rates and generous travel perks, new cardholders can quickly accumulate significant rewards toward their next United trip.
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Earn premium miles on United flights with valuable travel perks and club access
Earn 7x total miles on United flights and 2x on dining, hotels, and other travel. Unlock over $500 in annual travel credits including $100 United travel credit, $100 hotel credits, and 2 complimentary United Club passes. Get free checked bags, priority boarding, and premium travel protections—all designed for frequent United travelers.
$150
Annual Fee
70,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Good to Excellent
Welcome Offer
70,000
Airline
Spend $3,000 in the first 3 months
New cardholders receive 70,000 bonus miles after spending $3,000 in the first 3 months of opening the account. Plus, earn an additional 10,000 bonus miles when you add an authorized user. These miles are worth approximately $700-1,050 in travel value depending on how you redeem them. Combined with the card's strong earning rates and generous travel perks, new cardholders can quickly accumulate significant rewards toward their next United trip.
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
2X
2x miles on United purchases
2X
2x miles on dining purchases
2X
2x miles on hotel stays booked directly with hotels
2X
2 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges
Earn 7X total miles on United flights—the highest earn rate available. This combines your 5X MileagePlus airline earning with 2X additional miles from the card itself. Applies to all United flights, domestic and international.
Book a $1,500 United flight: earn 10,500 miles (worth ~$105-157 depending on redemption)
Earn 2X miles on all other United purchases outside of flights, including seat upgrades, standby fees, and baggage fees. No category limits or caps on this earning rate.
Spend $500/year on United seat upgrades and fees: earn 1,000 miles (worth ~$10-15)
Earn 2X miles at restaurants, bars, cafes, and food delivery services globally. Strong earnings on meals whether dining out or using delivery services.
Spend $1,200 monthly on dining: earn 2,400 miles/month (28,800 annually, worth ~$288-432)
Earn 2X miles on hotel stays booked directly, including alternative accommodations. This covers direct bookings with major hotel chains and independent properties.
Book $3,000 in hotel stays annually: earn 6,000 miles (worth ~$60-90)
Earn 1X mile on all other purchases not in bonus categories. No caps or restrictions—earn consistently on everyday spending outside of travel and dining.
Spend $2,000/month on non-bonus categories: earn 2,000 miles/month (24,000 annually)
Up to
$540
in annual credits
$100 JSX flights
$100
Annual
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Explorer Card. JSX is a
$100 United travel
$100
Annual
Earn $100 in United® TravelBank cash after you spend $10,000 on purchases each calendar year with your United Explorer Card. You can use United®
$100 United Hotels
$100
Annual
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your United
$10/mo Instacart+
$10
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer
$50 Avis/Budget travel
$50
Annual
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
$10/mo Instacart+
—
Monthly
3-month complimentary Instacart+ membership plus $10 monthly Instacart statement credit (up to $120/year) through December 2027
25% United inflight
—
Annual
Get 25% back as automatic statement credit on food, beverages, and Wi-Fi aboard United flights plus premium drinks at United Clubs.
$120 Global Entry/TSA PreCheck/NEXUS
—
Annual
Get reimbursed for Global Entry, TSA PreCheck, or NEXUS application fees with automatic statement credits every 4 years
3-mo Instacart+
—
Annual
Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you're
Get 2 United Club passes each year for lounge access with complimentary beverages, snacks, and Wi-Fi. Over $100 annual value.
2
Worldwide
Fast track to top-tier perks
This card comes with 3 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
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,
Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private,
Earn 1 PQP for every $20 spent, up to 1,000 PQP annually, to help reach United Premier status tiers.
Combined Protection Value
$7,850
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
The United Explorer Card delivers exceptional value for frequent United travelers through a combination of elite earning, generous travel perks, and substantial annual credits. The 7X on United flights far exceeds competitor cards, while the free checked bag, priority boarding, and club passes provide immediate tangible benefits. With over $500 in annual credits (including travel, hotel, and digital service credits), the $150 annual fee delivers strong ROI for those who maximize United travel.
The United Explorer credit card is an ideal option if you want a decent sign-up bonus, moderate annual fee, and occasional lounge access, especially when flying United once or twice yearly.
The United Explorer credit card is a solid choice for several reasons. If you want to earn United points quickly via a sign-up bonus, the **60,000 points** can be quite valuable. We especially value United points for international and business class flights, and it’s easy to extend their worth by topping them off with Chase Ultimate Rewards. If you fly United once or twice a year and want to keep a co-branded card in your wallet, this card can serve you well long-term. As one of two mid-range United cards, it’s also a good option for travelers who want lounge access at airports that have a United Club.
You can earn 60,000 (current special 70,000) United points after spending $3,000 in the first three months. The **150 annual fee is waived for the first year**, giving it an advantage over the Quest Card (the other mid-range United card). Even if you keep the card beyond the first year, two perks alone can cover the annual fee:
- A **free first checked bag for the primary cardmember and one companion** (a $160 value per round-trip)
- **Two United Club one-time passes** per year (over $100 value)
Additional benefits and credits make it tempting to keep the card:
- $120 statement credit for **TSA PreCheck, Global Entry, or NEXUS** every four years
- $5 per month credit on rideshare purchases
- $10 per month credit on Instacart
- Two $25 credits per year on Avis or Budget
- $100 credit on flight purchases through JSX
- $100 credit on prepaid hotel stays booked through United Hotels (issued as two separate $50 credits)
- **Priority boarding**, plus 25% back on in-flight and club premium drink purchases, and in-flight Wi-Fi
Here are some exceptions where the card might not be good for you:
- Your home airport is not a United hub or has a United Club
- You fly United more than a couple times per year and would get more value out of the United Club Infinite card (see “Where the United Explorer Fits in This Point Ecosystem” section below)
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
There are various United cards to consider. The United Quest Card is comparable to the Explorer: it has a higher $350 annual fee, but offers a $200 United travel credit that effectively reduces its cost to $150. You’ll need to compare the remaining benefits to see which card is best for you. It often comes down to whether you value lounge access (Explorer Card) or two checked bags per person (Quest).
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$324
Annual Fee
-$150
Net Annual Value
+$174
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
2X
2x miles on United purchases
2X
2x miles on dining purchases
2X
2x miles on hotel stays booked directly with hotels
2X
2 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges
Earn 7X total miles on United flights—the highest earn rate available. This combines your 5X MileagePlus airline earning with 2X additional miles from the card itself. Applies to all United flights, domestic and international.
Book a $1,500 United flight: earn 10,500 miles (worth ~$105-157 depending on redemption)
Earn 2X miles on all other United purchases outside of flights, including seat upgrades, standby fees, and baggage fees. No category limits or caps on this earning rate.
Spend $500/year on United seat upgrades and fees: earn 1,000 miles (worth ~$10-15)
Earn 2X miles at restaurants, bars, cafes, and food delivery services globally. Strong earnings on meals whether dining out or using delivery services.
Spend $1,200 monthly on dining: earn 2,400 miles/month (28,800 annually, worth ~$288-432)
Earn 2X miles on hotel stays booked directly, including alternative accommodations. This covers direct bookings with major hotel chains and independent properties.
Book $3,000 in hotel stays annually: earn 6,000 miles (worth ~$60-90)
Earn 1X mile on all other purchases not in bonus categories. No caps or restrictions—earn consistently on everyday spending outside of travel and dining.
Spend $2,000/month on non-bonus categories: earn 2,000 miles/month (24,000 annually)
Up to
$540
in annual credits
$100 JSX flights
$100
Annual
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Explorer Card. JSX is a
$100 United travel
$100
Annual
Earn $100 in United® TravelBank cash after you spend $10,000 on purchases each calendar year with your United Explorer Card. You can use United®
$100 United Hotels
$100
Annual
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your United
$10/mo Instacart+
$10
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer
$50 Avis/Budget travel
$50
Annual
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
$10/mo Instacart+
—
Monthly
3-month complimentary Instacart+ membership plus $10 monthly Instacart statement credit (up to $120/year) through December 2027
25% United inflight
—
Annual
Get 25% back as automatic statement credit on food, beverages, and Wi-Fi aboard United flights plus premium drinks at United Clubs.
$120 Global Entry/TSA PreCheck/NEXUS
—
Annual
Get reimbursed for Global Entry, TSA PreCheck, or NEXUS application fees with automatic statement credits every 4 years
3-mo Instacart+
—
Annual
Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you're
Get 2 United Club passes each year for lounge access with complimentary beverages, snacks, and Wi-Fi. Over $100 annual value.
2
Worldwide
Fast track to top-tier perks
This card comes with 3 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
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,
Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private,
Earn 1 PQP for every $20 spent, up to 1,000 PQP annually, to help reach United Premier status tiers.
Combined Protection Value
$7,850
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
The United Explorer Card delivers exceptional value for frequent United travelers through a combination of elite earning, generous travel perks, and substantial annual credits. The 7X on United flights far exceeds competitor cards, while the free checked bag, priority boarding, and club passes provide immediate tangible benefits. With over $500 in annual credits (including travel, hotel, and digital service credits), the $150 annual fee delivers strong ROI for those who maximize United travel.
The United Explorer credit card is an ideal option if you want a decent sign-up bonus, moderate annual fee, and occasional lounge access, especially when flying United once or twice yearly.
The United Explorer credit card is a solid choice for several reasons. If you want to earn United points quickly via a sign-up bonus, the **60,000 points** can be quite valuable. We especially value United points for international and business class flights, and it’s easy to extend their worth by topping them off with Chase Ultimate Rewards. If you fly United once or twice a year and want to keep a co-branded card in your wallet, this card can serve you well long-term. As one of two mid-range United cards, it’s also a good option for travelers who want lounge access at airports that have a United Club.
You can earn 60,000 (current special 70,000) United points after spending $3,000 in the first three months. The **150 annual fee is waived for the first year**, giving it an advantage over the Quest Card (the other mid-range United card). Even if you keep the card beyond the first year, two perks alone can cover the annual fee:
- A **free first checked bag for the primary cardmember and one companion** (a $160 value per round-trip)
- **Two United Club one-time passes** per year (over $100 value)
Additional benefits and credits make it tempting to keep the card:
- $120 statement credit for **TSA PreCheck, Global Entry, or NEXUS** every four years
- $5 per month credit on rideshare purchases
- $10 per month credit on Instacart
- Two $25 credits per year on Avis or Budget
- $100 credit on flight purchases through JSX
- $100 credit on prepaid hotel stays booked through United Hotels (issued as two separate $50 credits)
- **Priority boarding**, plus 25% back on in-flight and club premium drink purchases, and in-flight Wi-Fi
Here are some exceptions where the card might not be good for you:
- Your home airport is not a United hub or has a United Club
- You fly United more than a couple times per year and would get more value out of the United Club Infinite card (see “Where the United Explorer Fits in This Point Ecosystem” section below)
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
There are various United cards to consider. The United Quest Card is comparable to the Explorer: it has a higher $350 annual fee, but offers a $200 United travel credit that effectively reduces its cost to $150. You’ll need to compare the remaining benefits to see which card is best for you. It often comes down to whether you value lounge access (Explorer Card) or two checked bags per person (Quest).
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$324
Annual Fee
-$150
Net Annual Value
+$174
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
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2X
2x miles on United purchases
2X
2x miles on dining purchases
2X
2x miles on hotel stays booked directly with hotels
2X
2 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges
Earn 7X total miles on United flights—the highest earn rate available. This combines your 5X MileagePlus airline earning with 2X additional miles from the card itself. Applies to all United flights, domestic and international.
Book a $1,500 United flight: earn 10,500 miles (worth ~$105-157 depending on redemption)
Earn 2X miles on all other United purchases outside of flights, including seat upgrades, standby fees, and baggage fees. No category limits or caps on this earning rate.
Spend $500/year on United seat upgrades and fees: earn 1,000 miles (worth ~$10-15)
Earn 2X miles at restaurants, bars, cafes, and food delivery services globally. Strong earnings on meals whether dining out or using delivery services.
Spend $1,200 monthly on dining: earn 2,400 miles/month (28,800 annually, worth ~$288-432)
Earn 2X miles on hotel stays booked directly, including alternative accommodations. This covers direct bookings with major hotel chains and independent properties.
Book $3,000 in hotel stays annually: earn 6,000 miles (worth ~$60-90)
Earn 1X mile on all other purchases not in bonus categories. No caps or restrictions—earn consistently on everyday spending outside of travel and dining.
Spend $2,000/month on non-bonus categories: earn 2,000 miles/month (24,000 annually)
Up to
$540
in annual credits
$100 JSX flights
$100
Annual
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Explorer Card. JSX is a
$100 United travel
$100
Annual
Earn $100 in United® TravelBank cash after you spend $10,000 on purchases each calendar year with your United Explorer Card. You can use United®
$100 United Hotels
$100
Annual
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your United
$10/mo Instacart+
$10
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer
$50 Avis/Budget travel
$50
Annual
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
$10/mo Instacart+
—
Monthly
3-month complimentary Instacart+ membership plus $10 monthly Instacart statement credit (up to $120/year) through December 2027
25% United inflight
—
Annual
Get 25% back as automatic statement credit on food, beverages, and Wi-Fi aboard United flights plus premium drinks at United Clubs.
$120 Global Entry/TSA PreCheck/NEXUS
—
Annual
Get reimbursed for Global Entry, TSA PreCheck, or NEXUS application fees with automatic statement credits every 4 years
3-mo Instacart+
—
Annual
Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you're
Get 2 United Club passes each year for lounge access with complimentary beverages, snacks, and Wi-Fi. Over $100 annual value.
2
Worldwide
Fast track to top-tier perks
This card comes with 3 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
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,
Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private,
Earn 1 PQP for every $20 spent, up to 1,000 PQP annually, to help reach United Premier status tiers.
Combined Protection Value
$7,850
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
You can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
The United Explorer Card delivers exceptional value for frequent United travelers through a combination of elite earning, generous travel perks, and substantial annual credits. The 7X on United flights far exceeds competitor cards, while the free checked bag, priority boarding, and club passes provide immediate tangible benefits. With over $500 in annual credits (including travel, hotel, and digital service credits), the $150 annual fee delivers strong ROI for those who maximize United travel.
The United Explorer credit card is an ideal option if you want a decent sign-up bonus, moderate annual fee, and occasional lounge access, especially when flying United once or twice yearly.
The United Explorer credit card is a solid choice for several reasons. If you want to earn United points quickly via a sign-up bonus, the **60,000 points** can be quite valuable. We especially value United points for international and business class flights, and it’s easy to extend their worth by topping them off with Chase Ultimate Rewards. If you fly United once or twice a year and want to keep a co-branded card in your wallet, this card can serve you well long-term. As one of two mid-range United cards, it’s also a good option for travelers who want lounge access at airports that have a United Club.
You can earn 60,000 (current special 70,000) United points after spending $3,000 in the first three months. The **150 annual fee is waived for the first year**, giving it an advantage over the Quest Card (the other mid-range United card). Even if you keep the card beyond the first year, two perks alone can cover the annual fee:
- A **free first checked bag for the primary cardmember and one companion** (a $160 value per round-trip)
- **Two United Club one-time passes** per year (over $100 value)
Additional benefits and credits make it tempting to keep the card:
- $120 statement credit for **TSA PreCheck, Global Entry, or NEXUS** every four years
- $5 per month credit on rideshare purchases
- $10 per month credit on Instacart
- Two $25 credits per year on Avis or Budget
- $100 credit on flight purchases through JSX
- $100 credit on prepaid hotel stays booked through United Hotels (issued as two separate $50 credits)
- **Priority boarding**, plus 25% back on in-flight and club premium drink purchases, and in-flight Wi-Fi
Here are some exceptions where the card might not be good for you:
- Your home airport is not a United hub or has a United Club
- You fly United more than a couple times per year and would get more value out of the United Club Infinite card (see “Where the United Explorer Fits in This Point Ecosystem” section below)
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
There are various United cards to consider. The United Quest Card is comparable to the Explorer: it has a higher $350 annual fee, but offers a $200 United travel credit that effectively reduces its cost to $150. You’ll need to compare the remaining benefits to see which card is best for you. It often comes down to whether you value lounge access (Explorer Card) or two checked bags per person (Quest).
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$324
Annual Fee
-$150
Net Annual Value
+$174
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
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Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Get coverage for new purchases against damage or theft for 120 days after purchase, up to $10,000 per item.
Get reimbursed up to $1,500 per person and $6,000 per trip for non-refundable travel expenses when trips are canceled for covered reasons.
Get reimbursed for meals, hotel, and essentials when your common carrier travel is delayed 12+ hours or requires overnight stay.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Skip rental counter insurance with collision coverage up to 31 days. Primary coverage abroad, secondary in the US.
Extends manufacturer's U.S. warranty by 1 year on eligible warranties of 3 years or less.
Get reimbursed up to $100 daily for essential purchases when checked baggage is delayed over 6 hours.
Get reimbursed up to $3,000 per person for lost, damaged, or stolen baggage during covered trips.
The United Club Card is aimed at those who travel United multiple times per year and will frequently use the United Club membership (a $750 value). However, it has a $695 annual fee. The United Gateway Card has no annual fee but offers a smaller welcome bonus and fewer benefits, so a card with an annual fee often provides better long-term value.
If you’re close to your 5/24 limit, the United Business Card might be an option. It has a 75,000-point welcome bonus and a $150 annual fee, along with perks such as two United Club passes per year and a free first checked bag. The United Club Business Card is a bigger step up, with a $695 annual fee but includes full United Club membership (worth $750) and several other statement credits.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Get coverage for new purchases against damage or theft for 120 days after purchase, up to $10,000 per item.
Get reimbursed up to $1,500 per person and $6,000 per trip for non-refundable travel expenses when trips are canceled for covered reasons.
Get reimbursed for meals, hotel, and essentials when your common carrier travel is delayed 12+ hours or requires overnight stay.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Skip rental counter insurance with collision coverage up to 31 days. Primary coverage abroad, secondary in the US.
Extends manufacturer's U.S. warranty by 1 year on eligible warranties of 3 years or less.
Get reimbursed up to $100 daily for essential purchases when checked baggage is delayed over 6 hours.
Get reimbursed up to $3,000 per person for lost, damaged, or stolen baggage during covered trips.
The United Club Card is aimed at those who travel United multiple times per year and will frequently use the United Club membership (a $750 value). However, it has a $695 annual fee. The United Gateway Card has no annual fee but offers a smaller welcome bonus and fewer benefits, so a card with an annual fee often provides better long-term value.
If you’re close to your 5/24 limit, the United Business Card might be an option. It has a 75,000-point welcome bonus and a $150 annual fee, along with perks such as two United Club passes per year and a free first checked bag. The United Club Business Card is a bigger step up, with a $695 annual fee but includes full United Club membership (worth $750) and several other statement credits.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Get coverage for new purchases against damage or theft for 120 days after purchase, up to $10,000 per item.
Get reimbursed up to $1,500 per person and $6,000 per trip for non-refundable travel expenses when trips are canceled for covered reasons.
Get reimbursed for meals, hotel, and essentials when your common carrier travel is delayed 12+ hours or requires overnight stay.
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Skip rental counter insurance with collision coverage up to 31 days. Primary coverage abroad, secondary in the US.
Extends manufacturer's U.S. warranty by 1 year on eligible warranties of 3 years or less.
Get reimbursed up to $100 daily for essential purchases when checked baggage is delayed over 6 hours.
Get reimbursed up to $3,000 per person for lost, damaged, or stolen baggage during covered trips.
The United Club Card is aimed at those who travel United multiple times per year and will frequently use the United Club membership (a $750 value). However, it has a $695 annual fee. The United Gateway Card has no annual fee but offers a smaller welcome bonus and fewer benefits, so a card with an annual fee often provides better long-term value.
If you’re close to your 5/24 limit, the United Business Card might be an option. It has a 75,000-point welcome bonus and a $150 annual fee, along with perks such as two United Club passes per year and a free first checked bag. The United Club Business Card is a bigger step up, with a $695 annual fee but includes full United Club membership (worth $750) and several other statement credits.
