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Chase United℠ Explorer Card

Miles

VISA

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Card review

Chase United℠ Explorer Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

United's popular mid-tier card with lounge passes and free checked bags

Fee: $150 USD/yr; Waived first year
Purchase APR: 19.74% - 28.24%
Interest-free: -
Foreign fee: None

Rewards

9x eligible United flights, 3x other United purchases, 2x dining/hotels, 1x all else

Welcome offer

Up to 60,000 miles (50,000 after $3,000 in 3 months + 10,000 with authorized user)

Our verdict

What stands out, and where it falls short.

What we like

9x eligible United flights, 3x other United purchases, 2x…
Welcome bonus
No foreign transaction fees
Airport lounge access
Travel insurance included

Worth weighing

$150 USD/yr card fee

Who It Is For

Whether the Chase United℠ Explorer Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges

Skip it if you are

Light spenders who won't beat the $150 USD/yr fee

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: $150 USD/yr
Purchase APR: 19.74% - 28.24%
Interest-free period: -
Foreign transaction fee: None

Rewards and features

Rewards: 9x eligible United flights, 3x other United purchases, 2x dining/hotels, 1x all else
Welcome offer: Up to 60,000 miles (50,000 after $3,000 in 3 months + 10,000 with authorized user)
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Partner credits: Over $500 in annual credits across hotels, rideshare, Instacart, and other services
Inflight discount: 25% statement credit on inflight food, beverages, and Wi-Fi
Award discount: 10,000-mile award flight discount after $20,000 annual spend

Benefits and perks

Extras that come bundled with the card.

2 United Club one-time passes annually
Free first checked bag for cardholder and companion
Up to $120 Global Entry/TSA PreCheck credit every 4 years
Trip cancellation, baggage delay, and lost luggage coverage

Chase United℠ Explorer Card: your questions answered

How much does the Chase United℠ Explorer Card cost?

The Chase United℠ Explorer Card costs $150 USD/yr. Waived first year.

What rewards does the Chase United℠ Explorer Card earn?

The Chase United℠ Explorer Card earns 9x eligible United flights, 3x other United purchases, 2x dining/hotels, 1x all else.

Does the Chase United℠ Explorer Card charge foreign transaction fees?

No - the Chase United℠ Explorer Card has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Chase United℠ Explorer Card?

The Chase United℠ Explorer Card has a purchase APR of 19.74% - 28.24%.

Does the Chase United℠ Explorer Card have a welcome offer?

Yes - Up to 60,000 miles (50,000 after $3,000 in 3 months + 10,000 with authorized user).

Is the Chase United℠ Explorer Card a credit, debit or prepaid card?

The Chase United℠ Explorer Card is a credit card issued by Chase on the Visa network.

Does the Chase United℠ Explorer Card support Apple Pay and Google Pay?

Yes - the Chase United℠ Explorer Card works with both Apple Pay and Google Pay.

Where can I get the Chase United℠ Explorer Card?

The Chase United℠ Explorer Card is currently offered in United States.

How does DebitCue rate the Chase United℠ Explorer Card?

DebitCue rates the Chase United℠ Explorer Card 4.6 out of 5 (9.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Chase United℠ Explorer Card?

Use the Apply now button to continue on Chase's secure site. Comparing and applying through DebitCue is free.