The United℠ Explorer Card, issued by Chase, is a solid choice in the market.

United℠ Explorer Card Payoff Analysis

United℠ Explorer Card Payoff Analysis

This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.

Time to Pay Off
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Rewards Earned --
Interest Paid --
Interest Earned ? Interest earned by keeping your cash in a yield-bearing account during the grace period.

Formula: Balance × (APY / 365) × Days. --
TOTAL DEBT SERVICE --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.

Snapshot

United℠ Explorer Card
United℠ Explorer Card
IssuerChase
NetworkVisa (Visa Signature)
Card MaterialPlastic
Annual Fee$150.00
Base Rate1.00%
Travel Rewards2.00x
Authorized User Fee$0.00
Foreign Transaction FeeNone
Credit ReportingEx, Eq, Tu
Product LifecycleAvailable (11y ago)
Minimum Credit LineN/A

Welcome Offer

Bonus50,000 United Miles
Spend Requirement$3,000
Timeline90 days
Efficiency Score16.67 pts/$1
Cash Back Value—
Portal Travel Value—
Transfer Estimated Value$780

Rewards Breakdown

Base Rate1.00%
Dining2.0x
Hotel Stays2.0x
United Purchases2.0x
Anniversary BonusNone
Portal Boost1x

Pricing Details

Purchase APR19.74% - 28.24%
Cash Advance Fee5%
Balance Transfer Fee5%
Late Payment FeeUp to $40
Minimum Interest Charge$0.00
Grace Period21 days
Penalty APR29.99%

Official Resources

Product Page Pricing & Terms

Usability & Experience

Digital Walletsapple-pay, google-pay, samsung-pay
Customer ServiceStandard Support
Instant UseAvailable

Strategy & Eligibility

Min. Credit Score680+
Recommended RangeGood
Chase 5/24 RuleStrict (Chase)
Lifetime RestrictionNone
Active Family RestrictionNo
Closure Grace PeriodNone

Comparisons

See how the United℠ Explorer Card compares to other cards.

Terms, pricing, and rewards for this card were last verified as of 2026-06-02. While we strive for accuracy, card issuers may change terms at any time. Always verify details on the issuer's official website before applying.