| Category | Rate | Type | Cap |
|---|---|---|---|
|
United Airlines Flights
9 total miles per $1 on eligible United flights: 6x miles on the primary cardmember's fare as a MileagePlus member plus 3x miles on the entire United purchase with the Explorer Card; mileage earning differs for Basic Economy tickets; Premier members earn even more.
|
9x | Miles | No cap |
|
All Other Eligible United Purchases
3 miles per $1 on all other eligible United purchases beyond airfare, such as United vacation packages, seat upgrades, and United gift cards purchased directly from United.
|
3x | Miles | No cap |
|
Dining
2 miles per $1 spent at restaurants, including eligible delivery services.
|
2x | Miles | No cap |
|
Hotel Stays
2 miles per $1 spent on hotel stays when booked directly with the hotel; does not apply to stays booked through third-party travel sites or portals.
|
2x | Miles | No cap |
|
All Other Purchases
1 mile per $1 spent on all purchases not qualifying for a higher bonus rate; no cap on earning and MileagePlus miles never expire.
|
1x | Miles | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Up to $100 in JSX Flight Credits
Receive up to $100 back as a statement credit each anniversary year when booking flights directly with JSX (a semi-private hop-on jet service) using the Explorer Card.
|
Credits |
Up to $100/anniversary year
Up to $100
|
|
Up to $100 in United Hotels Credit
Receive $50 back as a statement credit on both the 1st and 2nd prepaid hotel stays purchased directly through United Hotels with the Explorer Card, up to $100 each anniversary year.
|
Credits |
Up to $100/anniversary year
Up to $100
|
|
Up to $100 United TravelBank Cash (Annual Spend Credit)
Earn $100 in United TravelBank cash after spending $10,000 on purchases each calendar year; the credit can be applied toward future flights on United or United Express.
|
Credits |
$100 TravelBank cash after $10,000 spend
Up to $100
|
|
Up to $120 Global Entry, TSA PreCheck, or NEXUS Fee Credit
Receive a statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck, or NEXUS when charged to the card.
|
Credits |
Up to $120 every 4 years
Up to $120
|
|
Up to $120 in Annual Instacart Credits
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with the Explorer Card; benefit runs through December 31, 2027.
|
Credits |
Up to $120/year ($10/month)
Up to $120
|
|
Up to $50 in Avis or Budget Car Rental TravelBank Credits
Receive $25 in United TravelBank cash (up to $50 per anniversary year) for the 1st and 2nd Avis or Budget car rentals booked directly through cars.united.com and paid with the Explorer Card.
|
Credits |
Up to $50 TravelBank cash/anniversary year
Up to $50
|
|
Up to $60 in Annual Rideshare Credits
Enroll to receive up to $5 back as a statement credit each month on rideshare purchases when paid with the Explorer Card, up to $60 each calendar year; yearly opt-in is required.
|
Credits |
Up to $60/year ($5/month)
Up to $60
|
|
$0 Introductory Annual Fee for First Year
New cardmembers pay no annual fee for the first year; the $150 annual fee applies beginning at the first card anniversary.
|
Financial | $0 first year (then $150) |
|
Chase Pay Over Time
Eligible cardmembers can split purchases of $100 or more into equal monthly installments with a fixed monthly fee and no interest, with plan durations ranging from 3 to 24 months.
|
Financial | Fixed monthly fee, no interest |
|
No Foreign Transaction Fees
Purchases made outside the U.S. with the Explorer Card are not subject to foreign transaction fees, saving the typical 3% surcharge on international spending.
|
Financial | $0 foreign transaction fees |
|
Baggage Delay Insurance
Reimburses up to $100 per day for up to 3 days for essential purchases such as toiletries and clothing when baggage is delayed more than 6 hours.
|
Insurance |
Up to $100/day for 3 days
Up to $300
|
|
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
|
Insurance | 1 additional year of warranty |
|
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
|
Insurance |
Up to $3,000 per covered traveler
Up to $3,000
|
|
Primary Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to the card; coverage is primary and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
|
Insurance |
Up to $60,000 (primary coverage)
Up to $60,000
|
|
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item.
|
Insurance |
Up to $10,000 per item for 120 days
Up to $10,000
|
|
Travel Accident Insurance
When air, bus, train, or cruise transportation is paid with the card, cardmembers are eligible for up to $500,000 in accidental death or dismemberment coverage.
|
Insurance |
Up to $500,000
Up to $500,000
|
|
Trip Cancellation and Interruption Insurance
Reimbursement up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if a trip is canceled or cut short due to sickness, severe weather, or other covered situations.
|
Insurance |
Up to $1,500/traveler, $6,000/trip
Up to $6,000
|
|
Trip Delay Reimbursement
If common carrier travel is delayed more than 12 hours or requires an overnight stay, cardmembers are covered for unreimbursed expenses such as meals and lodging, up to $500 per covered traveler.
|
Insurance |
Up to $500 per covered traveler
Up to $500
|
|
3-Month Complimentary Instacart+ Membership
Receive a complimentary 3-month Instacart+ membership including unlimited deliveries with $0 delivery fees on eligible orders; after the trial, automatically enrolled at 25% off the annual rate. Benefit runs through December 31, 2027.
|
Lifestyle | 3 months complimentary |
|
Concierge Services
Receive personalized 24/7 concierge assistance with restaurant reservations, event tickets, referrals, and recommendations anywhere in the world; cardmember is responsible for costs of goods or services obtained.
|
Lifestyle | Complimentary (service costs apply) |
|
24/7 Dedicated Cardmember Service
Access to a dedicated customer service specialist 24 hours a day, 7 days a week for account inquiries, dispute resolution, and benefit questions.
|
Other | Complimentary |
|
Contactless Tap to Pay
The card supports contactless payment technology for faster and more secure checkout at any merchant displaying the Contactless symbol.
|
Other | Complimentary |
|
10,000-Mile Annual Award Flight Discount
Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year with the card; the discount applies toward an eligible award flight booking.
|
Rewards | 10,000 miles after $20,000 spend |
|
1x Miles on All Other Purchases
Earn 1 mile per $1 spent on all purchases not qualifying for a higher bonus rate; no cap on earning and MileagePlus miles never expire.
|
Rewards | 1x miles |
|
2x Miles on Dining
Earn 2 miles per $1 spent at restaurants, including eligible delivery services.
|
Rewards | 2x miles |
|
2x Miles on Hotel Stays
Earn 2 miles per $1 spent on hotel stays when booked directly with the hotel; does not apply to third-party booking sites.
|
Rewards | 2x miles |
|
3x Miles on All Other Eligible United Purchases
Earn 3 miles per $1 spent on all other eligible United purchases beyond airfare, such as United vacation packages, seat upgrades, and United gift cards purchased directly from United.
|
Rewards | 3x miles |
|
9x Miles on Eligible United Flights
Earn 9 total miles per $1 spent on eligible United flights: 6x miles on the primary cardmember's fare as a MileagePlus member, plus 3x miles on the entire United purchase with the Explorer Card. Mileage earning differs for Basic Economy tickets; Premier members earn even more.
|
Rewards | 9x miles (6x MileagePlus + 3x card) |
|
Premier Qualifying Points (PQP) Earning
Earn 1 PQP for every $20 spent on purchases with the Explorer Card, up to 1,000 PQP per calendar year, which can be applied toward United Premier status qualification up to the Premier 1K level.
|
Rewards | Up to 1,000 PQP/year |
|
24/7 Fraud Monitoring and Alerts
Chase monitors the account for suspicious activity around the clock and can notify the cardmember via text, email, or call if unusual purchases are detected.
|
Security | Complimentary |
|
Charge Dispute Protection
If charged in error, Chase will freeze the disputed charge while investigating on the cardmember's behalf.
|
Security | Complimentary |
|
Zero Liability Protection
Cardmembers are not held responsible for unauthorized charges made with their card or account information.
|
Security | Complimentary |
|
2 United Club One-Time Passes Per Year
Receive two United Club one-time passes after account opening and each account anniversary; each pass grants one-time access to a United Club lounge for the cardmember or authorized user, who must be present at the time of use.
|
Travel | 2 passes/year (over $100 value) |
|
25% Back on United Inflight and Club Premium Drink Purchases
Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated flights and on Club premium drinks when paid with the Explorer Card.
|
Travel | 25% back as statement credit |
|
Cardmember Award Pricing
Cardmembers receive access to Cardmember pricing on eligible award flights when signed into their MileagePlus account, saving general members at least 10% and Premier members at least 15% on flights booked with miles, including expanded access to Saver Award availability.
|
Travel | At least 10%–15% off award flights |
|
Free First Checked Bag
The primary cardmember and one companion on the same reservation each receive their first standard checked bag free (up to $40 value each way, per person) on United-operated flights when tickets are purchased with the card and the MileagePlus number is included in the reservation; saves up to $160 per round trip.
|
Travel |
Up to $160 savings per round trip
Up to $160
|
|
Priority Boarding
The primary cardmember and companions on the same reservation are invited to board United-operated flights prior to general boarding when the MileagePlus account number is included in the reservation.
|
Travel | Complimentary |
