Our illustration in the card’s colours, not its design
Chase credit card
United Explorer Credit Card
- APR up · 19.74% to 19.99% · Oct 10, 2026
- Bonus up · 60,000 to 70,000 · Oct 2, 2026
70,000 miles after you spend $3,000 in 3 months. Purchase APR 19.99–28.49%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Earn 70,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. *”
- Annual fee
- Intro fee for the first year. After that, $150Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · chase.com
“$0 intro annual fee for the first year, then $150 †”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“19.99%– 28.49% variable APR. †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
70,000 miles
After you spend $3,000 on purchases in your first 3 months.
- Spending it takes
- $1,000 a month
- for 3 months
- Tracking since
- Oct 2, 2026
- history will chart every change
Miles post to the MileagePlus account within 6 to 8 weeks after qualifying. The account must be open and not in default at fulfillment. Bonus miles do not count toward Premier status. If the account is not open at least six months, United and Chase may deduct the bonus miles. The product page headline reads 'Earn up to 60,000 [struck through 80,000] bonus miles', but the offer details state 70,000 miles. Separately, 10,000 bonus miles are awarded once for the first authorized user added within the first 3 months from account opening.
- Larger than about 50% of the 4 other miles bonuses we track.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $830 | −$20 | |
| Typical spender | $1,035 | $185 | |
| Heavy spender | $1,755 | $905 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 3x purchases of United Card Events from Chase: 3x miles total; points valued at an assumed 1¢.
−$20a year
$830 the first year, with the welcome bonus.
Rewards and credits$130
−$20 after the fee−$150 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 3x purchases of United Card Events from Chase: 3x miles total; points valued at an assumed 1¢.
$185a year
$1,035 the first year, with the welcome bonus.
Rewards and credits$335
You keep $185−$150 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 3x purchases of United Card Events from Chase: 3x miles total; points valued at an assumed 1¢.
$905a year
$1,755 the first year, with the welcome bonus.
Rewards and credits$1,055
You keep $905−$150 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 3x purchases of United Card Events from Chase: 3x miles total; points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 65% of the 732 cards we track.
- Lower top APR than about 35% of the 163 cards on our Sign-up bonuses list (see the list).
Other miles cards
- TD Bank First ClassTD Bank+$135 a year
- Citi / AAdvantage Platinum Select World Elite MastercardCiti+$75 a year
- Citi / AAdvantage Business World Elite MastercardCiti+$40 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
MileagePlus
How you earn
- 9×
- eligible United flights: 9x total miles (6x on the Primary Cardmember's fare as a MileagePlus member, plus 3x on the entire United purchase)
- 3×
- all other eligible United purchases: 3x miles total, including seat upgrades, Economy Plus, inflight food, beverages and Wi-Fi, baggage service charges or other United feespurchases of United Card Events from Chase: 3x miles total
- 2×
- hotel stays when booked with the hoteldining at restaurants including takeout and eligible delivery services
- 1×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Benefits
- Global Entry, TSA PreCheck or NEXUS application fee credit: $120 every 4 years
- United Hotels statement credit: $50 annual
- Rideshare statement credit: $5 monthly
- Instacart monthly credit: $10 monthly
- JSX statement credit: $100 annual
All 12 benefits
- Rental car: $60,000
- Baggage: $100 per day for up to 3 days
- Baggage: $3,000 per covered traveler
- Trip cancellation: $1,500 per covered traveler and $6,000 per trip
- Trip delay: $500 per covered traveler
- Purchase protection: $10,000 per item
- Extended warranty
Changes
- Oct 10, 2026 APR 19.74% to 19.99%
- Oct 2, 2026 Bonus 60,000 to 70,000
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · chase.com “$0 intro annual fee for the first year, then $150 †” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “19.99%– 28.49% variable APR. †” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · chase.com “19.99%– 28.49% variable APR. †” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · sites.chase.com “Either $5 or 5% of the amount of each transfer, whichever is greater.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $0 Intro fee for the first year. After that, $150 · chase.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 10, 2026
- What is the purchase APR?
- 19.99–28.49% APR · chase.com, since Oct 10, 2026
- Is there a welcome bonus?
- 70,000 miles after $3,000 in purchases in 3 months. · chase.com, since Nov 1, 2026