IS IT WORTH IT? YES. Based on your spending, your estimated rewards and bag-fee savings on the United℠ Explorer Card would make up for the annual fee. That doesn't include the dollar value of the card's other key benefits: priority boarding on every flight and two one-time passes each year to United's airport lounges.
The United℠ Explorer Card: 633+ Credit Score Needed
Fans of United Airlines may be able to obtain The United℠ Explorer Card with a credit score as low as 633, however, the average cardholder credit score is 714. We rated this card as one of the best vacation credit cards for airline rewards.
25% back on food, beverage and Wi-Fi purchases onboard United- and United Express-operated flights: You will receive 25% back, in the form of a credit card account statement credit, on purchases of food, beverages and Wi-Fi onboard United- and United Express-operated flights, when you use your United Explorer Card to ...
Best Credit Cards for United Flyers
Annual fee: The United Explorer Card has an annual fee of $0 introductory annual fee for the first year, then $95. The Chase Sapphire Preferred Card has a $95 annual fee.
On average, 40,000 miles are worth about $400. But it can vary widely. For example, 40,000 AAdvantage miles are worth roughly $456 in American Airlines airfare. With United, 40k miles get you $416 in flights.
As one of Chase's no-annual-fee cash back credit cards, the Chase Freedom Unlimited is easier to get approved for than the Chase Sapphire Preferred Card or Chase Sapphire Reserve.
What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.
All in the all, the Chase Sapphire Reserve® is likely the most difficult to obtain of the Chase credit cards, partly due to the fact that it is a Visa Infinite® product, which tends to have higher credit limits.
The downside to these cards is you cannot downgrade or product change a co-branded card to one that earns Ultimate Rewards or even to a cashback card. Although you can downgrade within a co-branded program if there is more than one card such as downgrading the United Club℠ Infinite Card to the United℠ Explorer Card.
Currently, you can earn 60,000 United MileagePlus miles after you spend $3,000 on purchases in the first three months. Based on TPG's most recent points and miles valuations, 60,000 miles are worth $780, which is a decent haul when it comes to cobranded airline credit cards.
How long will it take to get my United℠ Explorer Card? Because conditional approval is automated on the Chase website, you'll often get a decision immediately. In some cases, you'll need to wait a few days to a few weeks to receive a response. If you're approved, look for your card in the mail within seven to 10 days.
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