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United Explorer Card: 40,000 Mile Sign-Up Bonus in October

The time is now to take advantage of this tremendous bonus before it ends.

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Fans of United Airlines should be aware of its main co-branded credit card, the United℠ Explorer Card. This Chase credit card saw a benefits reboot back in 2018 that expanded spending categories and added valuable travel perks, especially for loyal United customers. And now, United has sweetened the offer with a sign-up bonus for new customers.

The United Explorer Card bonus is 40,000 United MileagePlus miles for new cardholders. Here’s how the bonus offer works. New cardholders can earn 40,000 bonus miles after spending $2,000 on purchases in the first three months your account is open.

Offer Details

Secure application on issuer’s website.

Annual Fee: $95 (fee waived first year)
Bonus: 40,000 Miles
APR: Variable APR
Rewards Rate: 1X-2X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card features 2X miles for every dollar spent on United purchases, at restaurants and eligible meal-delivery services like GrubHub, DoorDash, Seamless and Caviar. You also earn 2X miles for every dollar spent on hotel accommodations booked directly through the hotel. Additionally, you get 1X miles per dollar everywhere else.

Sign-Up Bonus: New cardholders earn 40,000 bonus miles after spending $2,000 with their new cards in the first three months of account opening.

Who Should Use This Credit Card? United loyalists who want to earn free and discounted airfare.

Why We Like It

Why We Like the United℠ Explorer Card

The United Explorer Card’s benefits are what makes it really stand out from the crowd. Here’s what you’ll get: One free checked bag for each flight, priority boarding, 25% back on inflight purchases, two United Club airport lounge passes every year and Global Entry of TSA Pre✓ application fee credit.

The United Explorer Card also offers several trip protections including primary rental car insurance, trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement and trip delay reimbursement. The card’s annual fee is $0 for the first year, then $95 after that, which will give you some time to confirm that it’s a good fit before the fee hits.

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United Explorer Card Details

Beyond its earning potential for travel and dining, the United Explorer Card is loaded with perks like the free first checked bag on flights, priority boarding on United flights, a Global Entry or TSA Pre✓® fee credit and two United Club one-time passes after opening an account and again on each cardholder anniversary. You’ll never face blackout dates and can get 25% back on United inflight purchases.

Annual Fee$95, waived the first year
Foreign Transaction FeesNone
APRVariable APR based on creditworthiness.
Sign-Up BonusEarn 40,000 miles after spending $2,000 during the first three months of account opening.
Rewards RateEarn 2X miles per dollar spent on United purchases, at restaurants and eligible delivery services including GrubHub, DoorDash, Seamless and Caviar. You’ll also earn 2X miles per dollar spent on hotel accommodations when booked directly through the hotel. Additionally, the card also awards 1X miles on all other purchases.

The United Explorer Card charges no foreign transaction fees, making it an excellent card for international travel. There are also valuable travel and purchase protections that come with this card.

United Explorer Card Bonus

Currently, new cardmembers can earn 40,000 bonus MileagePlus miles. You’ll earn 40,000 bonus miles after you spend $2,000 on purchases in the first three months your account is open.

Referral Bonus

You can earn even more miles by inviting your friends and family to join in the rewards earning. You’ll earn 10,000 bonus miles for each person you refer and is approved for the United Explorer Card. You can earn 50,000 miles max annually through referrals.

Rewards Rate

Beyond the signup bonus, there’s plenty of ways to earn more rewards with the United Explorer Card. As a co-branded United Airlines credit card, it’s a given that you’ll earn a higher rate for United purchases. The card offers elevated rates in several spending categories, though.

Here’s a breakdown of what you earn with spending with your United Rewards Card:

  • 2X miles per dollar spent on United purchases
  • 2X miles per dollar spent at restaurants and delivery services like GrubHub, DoorDash, Seamless and Caviar
  • 2X miles per dollar spent on hotel accommodations when purchased directly with the hotel
  • 1X miles per dollar spent on all other purchases

United purchases include airfare, seat upgrades, baggage charges and inflight purchases like food, beverages and Wi-Fi.

Annual Fee

There is a $95 annual fee attached to the United Explorer Card. The fee is waived the first year from card opening. You’ll save money the first year, allowing you to maximize your rewards earning. For rewards credit cards with annual fees, you need to weigh the card benefits and determine if they are worth the extra cost.


The United Explorer Card doesn’t offer an introductory 0% APR offer for purchases or balance transfers. If you want to transfer existing credit card balances and pay off over time, some balance transfer credit cards offer 0% APR for up to 18 months.

The United℠ Explorer Card comes with variable APR based on creditworthiness.

Credit Score

Most credit card issuers don’t publish credit score requirements to qualify for a credit card. The United Explorer Card is geared towards individuals with good to excellent FICO credit scores (670-850).

If you don’t know your credit score, it’s a good idea to check before applying for a new credit card. It’s easy to monitor your credit scores for free. You can also use a free service like Experian Boost™ if you want to increase your credit score.


Earning miles isn’t the only perk included with the United℠ Explorer Card. Frequent travelers will love access gained to a host of other travel benefits through the card. Here’s a look at some of the best features included with the United Explorer Card.

Global Entry or TSA Pre✓® Fee CreditCardmembers get reimbursed up to $100 for the application fee for Global Entry or TSA Pre✓® every four years when charged to your card. The reimbursement comes as a statement credit.
Free Checked BagThe primary cardmember and one companion under the same reservation, purchased with your card, receive one free checked bag each way per person on all United flights.
Priority BoardingThe primary cardmember and all companions on the same reservation have access to board all United flights before general boarding.
No Blackout DatesYou’ll never face restrictions or blackout dates when you use miles to book United flights.
Seat UpgradesCardmembers who are also MileagePlus Premier members on award tickets may be eligible for free Premier seat upgrades on United flights.
United Club PassesEnjoy access to United airport lounges with two United Club one-time passes every year on your cardmember anniversary and when you first open your account.
In-Flight DiscountsIn-flight purchases paid for with your Explorer Card earn 25% back. The discount comes as a statement credit.
Travel InsuranceCardmembers have access to several types of travel insurance, including auto rental collision damage waivers, baggage delay insurance and trip cancellation/trip interruption insurance.
Trip ReimbursementsYou’ll also enjoy reimbursements, like lost luggage and trip delay reimbursements, if your travels go awry.
Chase EventsThe United℠ Explorer Card comes with access to exclusive Chase cardmember events and experiences worldwide.
Purchase ProtectionNew purchases made with the United℠ Explorer Card are protected against damage or theft for 120 days. Limits are $10,000 per claim and $50,000 total annually.
Extended Warranty ProtectionUsing your United Card for purchases also extends select manufacturer’s warranties by an additional year.
Visa ConciergeYour United℠ Explorer Card also gets you free access to the Visa Signature® Concierge Service 24/7. Get assistance in finding tickets, making reservations and sending gifts.


As mentioned earlier, the United℠ Explorer Card has a $95 annual fee that’s waived the first year. This airline credit card charges no foreign transaction fees, making it an excellent travel companion when traveling outside of the U.S. You may run into some other fees when using your United credit card.

Annual feeYes (annual fee waived for the first year)
Balance transfer feeYes
Foreign transaction feesNo
Cash advance feesYes
Late payment feesYes
Returned payment feesYes

The best way to avoid costly interest charges is to pay off your United℠ Explorer Card balance in full each month by the due date.

Redeeming United MileagePlus Awards Miles

Your United℠ Explorer Card gives you access to United’s loyalty rewards program — MileagePlus.

MileagePlus offers several redemption options, but the best value is using your miles for United and United airline partner flights. You can travel to destinations all over the world through United and over 35 airline partners.

You can also use MileagePlus miles for a wide range of redemptions. Point values vary based on the redemption. Other redemption options include:

  • Hotel stays
  • Car rentals
  • Cruises
  • Online shopping
  • Apple purchases
  • Gift cards
  • FTD flowers and gifts
  • Magazine and newspaper subscriptions
  • Access to exclusive experiences and events
  • United Club membership
  • United Wi-Fi
  • TSA Pre✓® application fees
  • Transfer to one of United’s partner programs
  • Transfer to another MileagePlus member
  • Donate to a United partner charity

Points Expiration

The good news is that United MileagePlus miles never expire. You can use your miles once you earn enough for your desired redemption or save them up for future use.

Premier Status

MileagePlus members can earn Premier status through qualifying flights and points. There are four status levels you can reach:

  • Premier Silver
  • Premier Gold
  • Premier Platinum
  • Premier 1K

Some of the features that accompany Premier status include free Economy Plus upgrades, preferred seating, waived fees and other premium travel services. Specific perks depend on your status level.

Pair Award Flights With Free Hotel Stays

What’s better than earning free flights? Pairing them with free hotel stays for a complete rewards travel experience. IHG offers two co-branded rewards credit cards that earn points you can use towards free hotel stays and a host of other redemptions.

You’ll earn the biggest sign-up bonus with the IHG® Rewards Club Premier Credit Card. It comes with 150,000 bonus points when you spend $3,000 on purchases in the first three months from account opening.

IHG Rewards Club Traveler Credit Card is the hotel chain’s no-fee credit card. Right now, it comes with a 60,000 point sign-up bonus when you spend $2,000 on purchases in the first three months from account opening.

The IHG family includes 17 unique hotel brands with over 5,200 resorts worldwide. They offer accommodations for every type of traveler.

Applying for the United Explorer Card

The United Explorer Card is best for frequent travelers, especially if you prefer to fly with United Airlines or one of its partner airlines. While there are other redemption options, you’ll get the most bang for your buck using United miles for award flights.

If you’re not a loyal United customer or value versatile travel rewards, a rewards credit card like the Chase Sapphire Preferred® card may be a better fit. The United Explorer Card offers the best value in the first year, but if you don’t want to pay ongoing fees, you should opt for a no-fee rewards credit card instead.

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Kevin Payne
Kevin Payne is a personal finance, credit card, and travel writer. He is the family travel and budget expert behind Kevin lives in Cleveland, Ohio, with his wife and four kids. His work has appeared on several websites, including FinanceBuzz, Credit Karma, Millennial Money, Club Thrifty, Student Loan Planner and Slickdeals.