Chase · Visa Signature · Personal

United Explorer

A $150-a-year card earning United MileagePlus: 2× on 4 categories, 1× on everything else.

Annual fee: $150Charged every year
Signup bonus: 60,000 ≈ $740 in travel (our estimate)*
Top rate: 2×4 categories
Point value: 1.23¢ In travel · 1.23¢ as cash (our estimate)*

Year one and year two

Is it worth it for you?

Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.

Line	Year one	Year two
Signup bonus 60,000 points	$740	–
Points on your spend Enter your spending	$0	$0
Credits you’d use None ticked yet	$0	$0
Annual fee Charged each year	−$150	−$150
NetYear one includes the bonus · at your inputs · our estimates*	$590	−$150

Bonus terms: Earn up to 60,000 bonus miles: 50,000 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.

Compare whole wallets See how the United Explorer does beside the cards you already hold.

Earning structure

5 categories, 2 rates

Category	Points per $1	Worth per $100 (our estimate)*
Airfare (Portal)	2×	$2.47
Dining	2×	$2.47
Hotels	2×	$2.47
Hotels (Portal) Notes Portal not required	2×	$2.47
All Other	1×	$1.23

The rest of the card

Details, rules and benefits

Card details

Annual fee: $150
Card type: Personal
Network: Visa Signature
Bank: Chase
Point system: United MileagePlus
Travel value (our estimate)*: 1.23¢ per point
Cash value (our estimate)*: 1.23¢ per point
Foreign transaction fee: None
Transfer partners: No
Travel portal redemption: Yes
Cash to travel: No

Application rules3

24 from Bonus
If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus.
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 if you apply for a 5th Chase card (personal or business) in 6 months.

Benefits17 · 4 high value

Car Rental Insurance High valuePRIMARY Auto Rental Collision Damage Waiver
Instant Perks & Status High valueFree first checked bag + 1 more instant perks & status benefit
Lounge Access High value2 United Club one-time passes
Airport Express Credits Global Entry, TSA PreCheck®, or NEXUS Credit
Credits & Discounts $100 JSX Flight Credits + 5 more credits & discounts benefits
Earn Perks & Status Earn $100 United TravelBank Cash + 1 more earn perks & status benefit
Travel Protections Baggage Delay Insurance + 3 more travel protections benefits

See all 17 benefits Free account.

Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.

Alternatives

Head to head with similar cards

	United Explorer	United Gateway	United Quest	Delta SkyMiles Gold
Annual fee	$150	$0−$150	$350+$200	$150Same
Signup bonus	60,000 pts	30,000 pts	70,000 pts	80,000 pts
Top rate	2×4 categories	2×5 categories	5×Hotels (Portal)	2×3 categories
Travel value *	1.23¢United MileagePlus	1.23¢United MileagePlus	1.23¢United MileagePlus	1.17¢SkyMiles
Why it’s here	This card	Same issuer and the same United MileagePlus points, with no annual fee	Same issuer and the same United MileagePlus points	Same $150 annual fee

Compare in Card Comparison

Discussion

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United Explorer

Is it worth it for you?

United Gateway

United Quest

Delta SkyMiles Gold

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