United Airlines Credit Card Review

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Even if you only occasionally fly on United, the United MileagePlus Explorer Card is a strong offer because of the numerous benefits that come with it. Plus, when you apply and meet the initial spend requirement, you can score a limited time only sign-up bonus potentially equivalent to two complimentary round trip domestic tickets.

The latest iteration of the United Airlines United MileagePlus Explorer Card is fairly unique in the frequent flier co-brand market, as it provides a lot of opportunities for earning miles:

  • you will receive 30,000 bonus miles after spending $1,000 in the first 3 months
  • 5,000 more bonus miles when you make a purchase with the card and add an authorized user to your account during the first 3 months
  • 10,000 bonus miles every calendar year you spend at least $25,000 on your account
  • Use your miles for any seat, any time, for any United Airlines flight
  • $0 intro annual fee for the first year, then $95.

When you sum up the various mileage bonuses it’s obvious that the United MileagePlus card offers a lot of value (domestic round-trip reward tickets start at 25,000 miles)

Better Rewards Program

Thanks to the merger between United and Continental in 2012, United is now among the largest carriers in the world. This gives United Airlines some distinct advantages and benefits over many of the smaller airline frequent flier programs…

Reason #1 – Award Seat Availability

Finding out that there are no award seats available is the most annoying aspect of the frequent flier mileage redemption process. Luckily you won’t have to worry about that problem with United because if a seat is available for sale, it can be yours at the Standard Award level. However, this perk is reserved for cardmembers and Elite frequent fliers. So if you want to redeem your miles without blackout dates or restrictions, get the credit card!

Reason #2 – More Destinations
With almost 370 destinations across 6 continents and nearly 5,600 daily flights, you have plenty of options for earning and redeeming rewards.

Reason #3 – The Star Alliance
The major airlines all belong to global air carrier alliances but some are better than others. With the Star Alliance, you have the ability to earn and spend miles on the 27 Star Alliance partner airlines. Since Star Alliance is the biggest airline network, you’ll want access to it to facilitate your global travel needs.

Conclusion? Not only will you be earning an unlimited 2x miles on United flights and 1x on everything else, you will have lots of options when it comes time to spend them.

More Benefits

The predecessor credit cards (the Continental OnePass and United MileagePlus Visa) each had unique strengths, but many frequent fliers were skeptical how these two programs would be merged. Luckily, Chase incorporated the best benefits from each and merged them on the United MileagePlus Explorer card. Then, they even added new benefits on top of that to add even more value. Review the perks for yourself…

  • First bag flies free
    You can check your first checked bag free, which equals a roundtrip savings of $50 on each round trip. On top of that, if a person is traveling with you under the same reservation, they also get their first bag free, which saves you another $50.
  • United Club Access
    This benefit gives you 2 one-time-use passes every year to visit the United Club (their airport lounges). Normally this would cost you $50/visit if you weren’t flying with a first-class ticket. So the yearly value of just this benefit alone is up to $100.
  • Priority Boarding
    With this United Airlines card you will receive priority boarding on United flights.
  • Primary Rental Coverage
    Almost every credit card offers secondary coverage, but those plans kick in after your personal insurance pays out (so you still end up with a claim dinging your record). However what’s so unique about this United Airlines card is that it offers a primary auto rental collision damage waiver, which means it pays for any collision damage directly without having to file against your personal policy. Aside from United-Continental, there aren’t any other airline-branded cards which provide this crucial benefit. If you’ve ever had an accident in a rental car and had to go through the hassle and expense of dealing with your own auto insurance company you will understand the value of this benefit.
  • Travel and Shopping Benefits
    Coverage for trip delay, trip cancellation, lost/stolen luggage. On eligible items bought with the card you get purchase protection and price protection. There’s also complimentary concierge service and a luxury hotels and resorts program which offers special pricing and perks at participating properties.
  • No Foreign Transaction Fees
    Previously this card (and most credit cards for that matter) charged a 3% fee. That equals $90 fee on $3,000 in foreign spending. But now you won’t pay a dime with this one. If you travel overseas for work or vacation it is critical to avoid foreign transaction fees.

Are there any drawbacks?

So, we’ve gone over the pros but how about the cons? Well, this United Airlines credit card review wouldn’t be complete without going over the drawbacks too. Here’s the only negative…

The APR is actually on the lower side for an airlines reward card, but it still isn’t low enough to use for carrying a balance long term. If you are someone who regularly carries a balance, you might want to get a second card in order to play the zero percent balance transfer game and avoid interest. Chase also has some good options in this regard as well. If you have excellent credit you should be able to get a better rate.


The pros far outweigh the cons – assuming you fly on United Airlines often enough to make use of the perks. Given the size of the airline post-merger, United can be a great option to go almost anywhere on earth. And just to recap, what Chase is offering (as of June 2016) the following bonuses for the MileagePlus Explorer Card:

  • 30,000 bonus miles simply for making $1,000 in purchases during the first 3 months.
  • 5,000 additional bonus miles when you add an authorized user to your account and make at least 1 purchase with the card during the first 3 months.
  • For each and every calendar year you spend at least $25k on your MileagePlus Explorer card, get a recurring annual spend bonus of 10,000 miles.