Why I love my United Explorer Card even though it's no longer my primary credit card
Update: Some offers mentioned below are no longer available. View the current offers here.
I never planned to be loyal to one airline. But I found myself on United Airlines flights more often than not when flying long-haul routes, first from San Francisco International Airport (SFO) and then after a cross-country move in 2016 from Dulles International Airport (IAD). So, I decided to go all-in and get an airline-affiliated credit card, namely the United℠ Explorer Card.
Since then, my expert colleagues at The Points Guy have been teaching me how to maximize my travel rewards with cards offering flexible points, not to mention the joy of chasing high sign-up bonuses on new cards. But I’m not giving up my United Explorer Card anytime soon — here’s why.
Reasonable annual fee
As a premium credit card beginner, I’m still getting my head around paying upward of $500 for the privilege of charging purchases to a fancy card. The United Explorer Card is not snooty like that — I get to keep it in my wallet for a reasonable $150 annual fee ($0 intro annual fee for the first year).
Some newbies might think that $150 is a hefty fee to own a credit card, and you wouldn’t be wrong. But the card pays for itself with just one flight (see below), and the freebies start piling up afterward.
Free checked bags
With my United Explorer Card, I’m entitled to one free checked bag for myself and a travel companion on each flight. With United charging $40 for the first, standard-sized checked bag, that’s a value of up to $160 per round-trip flight. With one round-trip flight (1 1/2 if I’m flying alone), I can cover the cost of the card.
As a frequent cruiser, I often check a bag because it’s next to impossible to fit all the formalwear, swimwear and gymwear I need for a weeklong cruise into a carry-on. And don’t forget about the full-size bottles of sunscreen I need to protect my pasty skin against the strong Caribbean sun. You can bet I make the most of my card’s checked bag benefit.
Priority boarding
Much of my business travel is booked by others, so I don’t always have a say in which airline I fly. So until recently, I was flying a lot — but not enough to reach elite status on United. That’s where my United Explorer Card saves the day.
It gives me Group 2 boarding, the same as I now get as a Premier Silver elite member. I board after all the "important" people — the upper-tier MileagePlus and Star Alliance loyalty program members and passengers in first and business class — but before all the economy-class flyers with no status. That means I don’t have to worry about finding a spot for my carry-on, and I don’t have to stand around in a crush of travelers waiting to board. Plus, I get to feel special.
2 United Club passes
Until I joined TPG, I did not own a credit card that gave me lounge access. So, I value the two free United Club passes I receive annually with my United Explorer Card, which usually cost $59 apiece.
These have especially come in handy in Fort Lauderdale, where I’m frequently disembarking cruises early but not scheduled on a flight home until later in the afternoon. I’ve spent hours in the conveniently located United Club enjoying free snacks and complimentary Wi-Fi, getting work done while I wait for my flight to board.
These days, I happily use my Capital One Venture X Rewards Credit Card for access to Priority Pass worldwide. However, at my home airport of Dulles, those lounges are not convenient to the United gates and often restrict access to Priority Pass guests when full of international travelers. I’ve already used my two United Club passes this year when I couldn’t get into the other lounges or just wanted a more convenient location to await my flight.
Now that the Capital One Lounge at Dulles is open, I might not need the United Club at my home airport as much, but I’m sure there will be airports where I’ll be happy to have those two free passes.
United-specific discounts
My United Explorer Card is my go-to card for all United purchases, not just the checked bags.
I get 2 miles per dollar spent on United purchases (such as my airfare), so I can essentially earn miles twice for every trip — the miles I get for flying and the miles I get for paying with my Explorer card.
When I purchase food, drinks or Wi-Fi on flights, I get 25% of the cost back as a statement credit on my monthly bill. That means all those expenses are cheaper for me than non-cardholders.
Expanded redemption options
As an Explorer cardholder, I can access more United economy-class saver award availability than is available to the average customer. That means I can sometimes find cheaper awards or awards on flights that wouldn’t otherwise be open to others.
I'm sure my colleagues would take me to task for not maximizing these opportunities. But I'm a mom, and personal travel typically involves booking flights for a family of four. I usually redeem my MileagePlus miles for planned domestic travel when the cash prices are too high.
I was saving up miles for my family's first international trip this holiday season but didn't have enough miles. Instead, I used 120,000 miles to fly the four of us to a family event in Los Angeles, saving me a ton of cash.
Other travel perks
The United Explorer Card offers an array of additional perks, some of which I use and some I don’t.
Of those, my favorite is the up to $120 credit I get once every four years to apply toward Global Entry, TSA PreCheck or Nexus. I use mine to pay for Global Entry (which also gives me PreCheck access). This perk usually comes with more expensive cards, so it’s huge that Chase and United offer it on a card with an ongoing $150 annual fee.
My card also provides me with travel protections on trips I book with my card, though — knock on wood — I’ve never had to use these. I also don’t have to pay foreign transaction fees when I use the card abroad.
I also earn 2 miles per dollar spent when I book accommodations directly with a hotel or eat out at restaurants. I don’t do this often (I’m a vacation rental girl), but when I do, I appreciate the extra miles.
Bottom line
The United Explorer Card was once my go-to card and is now a secondary card for me, but still a major asset in my wallet. The card pays for itself with free checked bags and two United Club passes, so even if you only fly United a couple of times a year, it can be a smart card to hold.
Even better — if you sign up now for a new card, the annual fee is $0 for the first year. So that’s $150 you don’t have to make back in travel perks. You’ll also earn 60,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.
To learn more, read our full review of the United Explorer Card.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.