How Does LendingTree Get Paid?
LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
|
Advertising Disclosure
LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
|
American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

The New United℠ Explorer Card Review: Big Travel Perks for Occasional United Flyers

Content was accurate at the time of publication.
LendingTree's Review tooltip-question

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
3.9
The New United℠ Explorer Card
Sign-Up Bonus
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Rewards Rate
2x miles on United® purchases, dining, and hotel stays when booked with the hotel. 1x mile on all other purchases
Extra Perks
Priority boarding, free first checked bag & $0 foreign transaction fee

Key takeaways

Our take: The New United℠ Explorer Card is one of the top airline credit cards because of its wide range of perks, including valuable travel protections and generous statement credits, for a modest annual fee compared to many other travel cards.

Is it worth it? The travel perks, including free checked bags, two United Club℠ one-time passes per year and over $500 worth of annual credits, can easily justify the $150 annual fee, though some credits may be more useful than others.

Who’s it best for? Frequent United flyers, value-focused family travelers and occasional travelers who want perks without a premium fee.

Is The New United℠ Explorer Card worth it?

If you’re looking to save on United flights, the $150 annual fee for The New United℠ Explorer Card could be well worth it if you make the most of its perks. The card got a refresh in March 2025, adding new statement credits, the opportunity to earn an annual award flight discount and a higher annual fee (up from $95).

Chase says the changes could bring over $800 in total value, depending on how you use them. However, while the card lets you earn miles in several everyday categories, those miles stay within United’s MileagePlus program and can’t be transferred to other airlines. So the card’s value depends largely on how loyal you are to United airlines and how easily you can redeem those miles.

Who is The New United℠ Explorer Card best for?

The New United℠ Explorer Card is best for United loyalists who love travel perks — think free checked bags, early boarding and lounge passes — without paying a sky-high annual fee.

But if United isn’t your go-to airline, or you’re chasing more flexible rewards, you’ll likely get better value from a general travel credit card or one with more upscale perks.

Example: Tina is balancing the desire for affordable, rewarding family travel with managing her daily expenses. She’s seeking a card that helps her make the most of every dollar (especially on United flights) by earning miles, enjoying travel perks and earning a generous sign-up bonus, without hidden fees or complicated terms. For someone like Tina, The New United℠ Explorer Card is a perfect fit.

Pros and cons

  • Valuable sign-up bonus
  • Earn bonus miles on dining, directly booked hotels and United Airlines purchases
  • Free checked bag and priority boarding benefits on eligible United flights — saves up to $160 per round-trip flight
  • Two single-entry passes to United Club® each year (valued at over $100)
  • Primary rental car coverage
  • Global Entry/TSA PreCheck®/NEXUS credit (up to $120 every four years)
  • Comprehensive travel protections
  • $0 foreign transaction fee
  • $150 annual fee
  • Limited bonus categories and a low earning rate on non-bonus purchases
  • Miles locked into MileagePlus (no transferable points)
  • Limited lounge access (only two one-time passes)
  • No elite status

Quick facts

Annual fee: $150

Sign-up bonus: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Rewards: 1X - 2X miles

  • Earn 2x miles on United® purchases, dining, and hotel stays when booked with the hotel
  • Earn 1x mile per $1 spent on all other purchases

Intro purchase APR: N/A

APR: 20.49% - 28.99% Variable

Foreign transaction fee: $0

More than $800 worth of other benefits:

    • Two single-entry United Club® passes (Over $100 in value)
    • Priority boarding on eligible United flights
    • Free first checked bag on eligible United flights (Up to $160 in value per round trip)
    • Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
    • Earn a 10,000-mile award flight discount each year (after spending $20,000)
    • Up to $100 annual United® travel credit (After you spend $10,000 each year with your card)
    • Up to $100 in United® Hotels credits annually when purchased directly through United® Hotels with your  card ($50 back on your first and second prepaid hotel stay)
    • Up to $60 in credits on ride-sharing services annually when paying with your with your card (up to $5 monthly)*
    • Up to $50 in United travel credits on Avis or Budget purchases ($25 on your first and second Avis or Budget rental)
    • Up to $120 in Instacart credits for direct purchases with your card (Up to $10 monthly)
    • Up to $100 in credits on JSX purchases annually for direct purchases with your card
    • Three-month complimentary Instacart+ membership
    • Trip cancellation/interruption protection
    • Primary car rental protection
*Enrollment required.

The New United℠ Explorer Card benefits

Kickstart your travel: The sign-up bonus

Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Using an approximate value of 1.3 cents per United milean estimation based on real-world data — the sign-up bonus is worth approximately $780.

Why does this sign-up bonus matter? Because travel rewards often take time to build up, a generous offer like this can give you a serious head start. For example, this sign-up bonus could cover a round-trip economy flight within the U.S. with miles to spare — or get you closer to an international adventure. Learn more about how many airline miles you need for a free flight.

Elevated rewards on everyday spending and United purchases

Earn 2x miles on United® purchases, dining, and hotel stays when booked with the hotel. 1x mile on all other purchases. This is a decent value for people who occasionally fly United Airlines, as the bonus categories don’t include just airfare.

How do I maximize these rewards? Use this card strategically for meals out, direct hotel bookings and United flights. Consider setting the card as your default for food delivery apps and travel portals.

Where do these rewards fall short? The rewards structure is limited, with low miles on non-bonus spending, less than many flat-rate cards such as the Wells Fargo Active Cash® Card. You’re also locked into United’s MileagePlus® program, which offers less flexibility than transferable points.

If you’re not loyal to United, or you want more flexibility in how you use your rewards, consider a general travel credit card such as the Chase Sapphire Preferred® Card. It earns transferable points that can be redeemed for travel through Chase or transferred to multiple airline and hotel partners — including United. This gives you more control over how and where you use your rewards.

Essential United travel perks

The New United℠ Explorer Card packs more than just miles; it also comes loaded with travel perks that can upgrade your United experience from the moment you arrive at the airport. Think free checked bags, early boarding and in-flight savings that make flying feel a little more first-class, even in economy. Here’s what you get:

  • Checked bags

    The primary cardmember and one companion on the same reservation each receive a free checked bag on eligible United flights when you purchase your ticket using your card. This is a potential savings of $160 on a single domestic round trip for two passengers — by itself enough to justify the card’s $150 annual fee.

  • United Club℠ passes

    Every year, you’ll get two single-entry passes to United Club℠. These can be used to access any participating United Club℠, as long as there is capacity. This is an annual value of over $100.

    For lounge access on every trip, consider The New United Club℠ Card, which includes United Club℠ and Star Alliance lounge access. Its $695 annual fee is steep but could be worth it if you fly often from a United hub.

  • Priority boarding

    The primary cardmember and companions traveling on the same reservation are eligible for priority boarding when the cardmember’s MileagePlus® number is added to the reservation.

  • Global Entry, TSA PreCheck® or NEXUS Fee Credit

    Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card.

    See the best credit cards for free Global Entry and TSA PreCheck™.

  • Earn a 10,000-mile award flight discount each year

    Earn a 10,000-mile award flight discount after spending $20,000 each calendar year to use toward an eligible award flight.

  • Premier upgrades on award tickets

    The primary cardmember who has MileagePlus® Premier® status and is traveling on an award ticket and one companion who is traveling on the same reservation are eligible for complimentary premier upgrades on select United and United Express operated flights, subject to availability.

  • 25% back on United in-flight and Club premium drink purchases

    Get 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United flights and on Club premium drinks when you pay with your card.

  • Earn up to 1,000 Premier® qualifying points (PQP)

    You’ll earn 1 PQP for every $20 you spend on you card, up to 1,000 PQP in a calendar year. This can be applied toward your Premier® status qualification.

  • $0 foreign transaction fees

    This card could be ideal for international travelers because some cards charge a foreign transaction fee ranging from 1% to 3%.

Annual credits you should take advantage of ($500+ annual value)

The New United℠ Explorer Card now offers over $500 in potential annual credits, making it easier than ever to offset the $150 annual fee. That said, the true value of these perks depends on how well they align with your lifestyle.

If you travel regularly or already use services like ride-sharing services or Instacart, cashing in on these credits can be seamless. But if you’re going out of your way to chase value you wouldn’t normally use, the benefit may not be worth the effort. Keep in mind, some credits require opting in or booking through a specific platform, so be sure to read the fine print before you swipe.

  • $100 United travel credit

    Earn $100 in United TravelBank cash after you spend $10,000 on you card each calendar year. You can use United TravelBank cash toward future flights on United.

  • Up to $100 in United Hotels credits

    Get $50 back as a statement credit on both your first and second prepaid hotel stays purchased directly through United Hotels with your card, up to $100 each anniversary year.

  • Up to $60 in credits on ride-sharing services

    Enroll to receive up to $5 back as a statement credit each month on ride-sharing services purchased with your card, up to $60 each calendar year. Yearly opt-in is required.

  • Up to $50 in United travel credits on Avis or Budget purchases

    Get $25 in United TravelBank cash, up to $50 each anniversary year, for your first and second Avis or Budget car rental booked directly through cars.united.com and paid with your card.

  • Up to $120 in Instacart credits

    Get a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your card. You’ll also get a three month complimentary Instacart+ membership.

  • Up to $100 in credits on JSX purchases annually

    Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX with your card.

Travel and purchase protections

The New United℠ Explorer Card provides some of the best travel and purchase protections among mid-tier cards, rivaling benefits found on popular cards — including the Chase Sapphire Preferred® Card. While primary rental car insurance is often reserved for higher-fee cards, this card offers it without the premium price. Of course, if you’re after more advanced rewards, a higher-tier travel credit card might be a better fit.

Primary rental car insurance: Primary coverage up to $60,000 for theft and collision damage when you decline the rental company’s collision insurance and charge the entire rental cost to your card.

See the best credit cards for car rental insurance.

Baggage delay insurance: Up to $100 per day for up to three days for essential purchases like toiletries and clothing when baggage is delayed over six hours.

Lost luggage reimbursement: In the event your luggage is damaged or lost by a carrier, you can be reimbursed up to $3,000 per covered passenger.

Trip delay reimbursement: Up to $500 per covered traveler if your common carrier travel is delayed more than 12 hours or requires an overnight stay. Includes expenses such as meals and lodging.

Trip cancellation and interruption insurance: Up to $1,500 per covered traveler and $6,000 per trip if your trip is canceled or cut short by sickness, severe weather or other covered situations.

You’ll also get solid purchase protection, including:

Extended warranty: Extends the manufacturer’s warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.

See the best credit card extended warranty.

Purchase protection: Covers new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item

Learn more about credit card purchase protection.

All of these benefits include fine print, so make sure you consult your card’s Guide to Benefits.

See all of the top travel credit cards.

The New United℠ Explorer Card vs. Chase Sapphire Preferred® Card

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
apply-now-icon Apply Now
on Chase's secure site
Rates & Fees
N/A
19.99% - 28.24% Variable
$95
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on
  • Click APPLY NOW to apply online.
  • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC
  • Rates & Fees
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If you don’t primarily fly with United — or any other airline specifically — the Chase Sapphire Preferred® Card may be a better fit. It offers stronger earning potential in everyday categories such as dining, online groceries and select streaming services, plus a lower $95 annual fee.

While it doesn’t come with as many credits as The New United℠ Explorer Card, you do get a $50 annual Chase TravelSM hotel credit, which is relatively easy to use when booking through Chase’s travel portal.

The biggest difference? Flexibility. With the Chase Sapphire Preferred® Card, you can transfer Chase Ultimate Rewards® at a 1:1 ratio to over 12 airline and hotel partners, including United, giving you more options for redeeming rewards. In contrast, miles earned with The New United℠ Explorer Card are locked into the United MileagePlus program, redeemable only with United and its Star Alliance partners.

The New United℠ Explorer Card vs. The New United Quest℠ Card

| Disclosures
The New United Quest℠ Card*
The New United Quest℠ Card
N/A
20.49% - 28.99% Variable
$350
3x miles on United® purchases. 2x miles on dining, select streaming services
  • Click APPLY NOW to apply online.
  • Earn 70,000 bonus miles and 1,000 PQP
  • 3x miles on United® purchases
  • 2x miles on dining, select streaming services, and all other travel
  • 1x mile on all other purchases
  • Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
  • Earn a 10,000-mile eligible award flight discount after spending $20,000 each calendar year
  • Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year
  • Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 6 to 8 weeks after February 1 each year, starting in 2026.
  • Member FDIC
  • Rates & Fees
660 720 850
Good / Excellent
*The information related to the The New United Quest℠ Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


For those who regularly fly United Airlines and are looking for an even nicer suite of benefits, consider The New United Quest℠ Card. With a higher $350 annual fee, it builds on The New United℠ Explorer Card’s core benefits by adding a stronger rewards rate, complimentary first and second checked bags on United-operated flights (a potential $360 in savings) and over $850 in annual partner credits. While both cards offer solid value, your decision really depends on how often you travel and how much value you’ll get from the added perks.

See all of the top United credit cards.

The New United℠ Explorer Card vs. Capital One Venture Rewards Credit Card

| Disclosures
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
N/A
19.99% - 29.24% (Variable)
$95
2 Miles per dollar on every purchase, every day; 5 Miles per
  • Click APPLY NOW to apply online.
  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
  • Rates & Fees
660 720 850
Good / Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.


If you don’t travel often and want a card that still delivers value on everyday spending, the Capital One Venture Rewards Credit Card is a solid pick. It has a straightforward rewards structure and earns a higher rate on general purchases than The New United℠ Explorer Card, all with a lower $95 annual fee.

You’ll also get up to $120 in credit for Global Entry or TSA PreCheck® and can transfer Capital One miles to 15+ travel loyalty programs — though the list isn’t as extensive as what you’d get with the Chase Sapphire Preferred® Card.

How we rate travel credit cards

We use calculations to estimate the value of each card for the average cardholder, based on LendingTree and U.S. Bureau of Labor Statistics data.

  • Average value over two years (80% of rating): We calculate the value of rewards and perks for the average cardholder using U.S. Bureau of Labor Statistics data and an annual spend of $20,000, minus the annual fee. This value includes the card’s sign-up bonus, annual bonus (including free night certificates) and travel perks such as lounge access and travel credits. We look at the average rewards earned over two years to balance out a card’s ongoing value with its first-year value.
  • Flexibility of rewards (15% of rating): We consider how easy the rewards are to use, looking at factors including expiration dates, minimum thresholds to redeem, blackout dates and the availability of flexible redemption options such as travel statement credits and cash back.
  • Other features (5% of rating): We also compare a card’s benefits, such as purchase protections, travel protections and elite status benefits, against benefits from other cards.

Frequently asked questions

Deciding whether The New United℠ Explorer Card is worth it comes down to how well you tap into its perks. The March 2025 refresh (raising the annual fee from $95 to $150) added credits including up to $100 on United® Hotels, up to $60 on ride-sharing services (enrollment required), up to $50 on car rentals through Avis or Budget and up to $120 on Instacart. Chase values the credits at over $500.

However, this card demands active management. To truly benefit, you need to track monthly and annual credits and make United your go-to airline when you fly. If you check bags and use the statement credits, the card can easily justify its $150 annual fee. But if you’re less loyal to United or prefer a low-effort rewards card, a general travel card such as the Chase Sapphire Preferred® Card or Capital One Venture Rewards Credit Card might offer better value and flexibility.

The number of miles needed for a domestic economy flight can vary widely, but savvy travelers can occasionally snag flights for as little as 6,000 miles during featured award deals. Since award pricing is dynamic, you’ll need to search specific dates and routes on United.com with the “Book with miles” option to see exact mileage requirements.

Learn more about how many airline miles you need for a free flight.

The New United℠ Explorer Card doesn’t automatically grant elite status, but it can help you earn Premier Qualifying Points (PQPs) toward it. You’ll earn 1 PQP for every $20 in spending on your card, up to 1,000 PQPs per calendar year.

However, you still must take at least four United or United Express flights annually to qualify for elite status. So while the card gives you a helpful boost, it’s most effective as part of a broader travel strategy, not a fast-track to elite status on its own.

To get The New United℠ Explorer Card, it’s recommended that you have good / excellent credit. While approvals below this range do happen, having a higher score increases your chances and puts you in a strong position for approval.

Check your credit score for free with LendingTree Spring.

Chase cards typically take two weeks to arrive in the mail after approval. However, through the Spend Instantly feature, you’re able to use the Chase app to add The New United℠ Explorer Card to a digital wallet before it arrives.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The information related to the The New United℠ Explorer Card, Wells Fargo Active Cash® Card, The New United Club℠ Card and The New United Quest℠ Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.