9x total miles on eligible United flights (incl. 6x MileagePlus member earn), 3x other eligible United purchases, 2x dining & hotel stays booked direct, 1x elsewhere — plus 70,000 bonus miles after $3,000 on purchases in the first 3 months; public offer checked November 1, 2026.
9x total miles on eligible United flights (incl. 6x MileagePlus member earn), 3x other eligible United purchases, 2x dining & hotel stays booked direct, 1x elsewhere
Credit eligibility
Issuer review required; no guaranteed score cutoff
Sign-Up Bonus
70,000 bonus miles after $3,000 on purchases in the first 3 months; public offer checked November 1, 2026
$
Rates & Fees
Annual Fee
$150
Purchase APR
19.99%–28.49% variable
Foreign Transaction Fee
None
Balance Transfer Fee
Either $5 or 5% of each transfer, whichever is greater
Cash Advance Fee
Either $10 or 5% of each transaction, whichever is greater
Late Payment Fee
Up to $40
✦
Estimate Your Rewards
See how this card fits your monthly spending
Enter your typical monthly spend by category to see roughly what the United℠ Explorer Card would earn you per year (this doesn't include any one-time sign-up bonus).
Assumes steady monthly spending at eligible merchants. Portal-only, selected and rotating bonuses are excluded unless explicitly modeled. Statement credits and welcome bonuses are excluded. Points use an assumed value of 1¢ each; actual redemption value varies.
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo
Note: Chase lists 3x miles on other eligible United purchases and 2x on hotel stays booked with the hotel; those merchant-specific rates are not modeled, so general travel uses 1x. Point value is a conservative estimate, not a Chase figure.
Est. Annual Rewards
$270/yr
After $150 Annual Fee
$120/yr
Based On
$1,950/mo
Key Features
✓
$0 intro annual fee for the first year, then $150
✓
Free first checked bag on United
✓
2 United Club one-time passes per year
Pros & Cons
✓ Pros
Free checked bag can offset the fee for regular United flyers
No foreign transaction fees
2x on dining including eligible delivery
– Tradeoffs
Miles are most useful if you fly United
$150 annual fee after the first year
The displayed score is an estimate, not a Chase cutoff
How to Apply
1
Check Chase's eligibility information and any prequalification option. A credit score alone does not establish approval; income, debt and credit history also matter.
2
Gather your Social Security number, annual income, housing payment, and employer details before starting the application.
3
Apply directly through Chase's official site or app to make sure you're getting current, accurate offer terms.
4
Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.
5
If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.
How It Compares
Current product highlighted
Product
Annual Fee
Purchase APR
Rewards Rate
United℠ Explorer Card
$150
19.99%–28.49%
9x total miles on eligible United flights (incl. 6x MileagePlus member earn), 3x other eligible United purchases, 2x dining & hotel stays booked direct, 1x elsewhere
10x hotels & rental cars, 5x flights via Capital One Travel, 2x everything else
Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.