United Explorer Card Calculator

Card Review & United Miles Calculator
2X United Purchases
2X Restaurant
2X Hotel
1st Checked Bag Free
2 Annual United Club Passes

Review the benefits of the United Explorer Card, calculate how many United Miles you can earn based on your spend, and compare the results against any card.

The United Explorer Card is an entry level co-branded airline card offered by Chase Bank. It provides great benefits that mirror having status with United Airlines like priority boarding, a free checked bag, complimentary premier upgrades, and more. It also offers the ability to earn double United Miles for airfare along with several other categories. The Explorer Card is great for anyone that primary flies with United and wants to enjoy a few extra perks and benefits to earn miles and save money.

Bonus Categories

The United MileagePlus Explorer Card features three bonus categories that earn extra miles. Those categories are United Airlines, restaurants, and hotels. There is no limit to the amount of bonus United Miles you can earn spending in these categories and no limit to the amount of United Miles you can earn with the card overall.

  • 2x United Purchases
    • Includes purchases made directly with United such as:
      • United Airline Tickets
      • Seat Upgrades
      • In-Flight Food, Beverage, and Wi-Fi
      • Baggage Service Charges
      • Other United Fees
    • You will not receive bonus miles for purchases made with:
      • United Cruises
      • MileagePlus X
      • DIRECTV
      • Merchandise Awards
  • 2x Restaurant
  • 2x Hotel
    • Purchase must be made directly with the hotel; 3rd party bookings will not count (e.g. Expedia, Hotels.com)
    • Motels and smaller establishments like bed & breakfasts and inns will also trigger this bonus.
  • 1x Non-Category

Perks & Benefits

The United Explorer Card comes with a nice amount of benefits that can be great for anyone that flies United during the year.

  • Free Checked Bag
    • Must use card to pay for your United airfare ticket.
    • Up to one companion traveling on the same reservation can also get their first bag checked free.
    • Does not apply to authorized users unless they're on the same reservation as the cardholder.
  • Priority Boarding
    • Everyone traveling on the same reservation will receive this benefit.
    • Applies to United-operated flights.
  • 2 United Club Passes
    • Receive two United Club passes annually.
    • Passes will be deposited into your United account.
  • Global Entry/TSA PreCheck Credit
  • 25% Off In-Flight Purchases
    • Applies to in-flight purchases of food, beverages, and Wi-Fi on United-operated flights.
    • Discount is in the form of a statement credit.
  • Complimentary Upgrades
    • When traveling on an award ticket, you will be eligible for complimentary premier upgrades on United-operated flights.
  • Travel & Purchase Protections
    • Trip Cancellation / Trip Interruption Insurance
    • Baggage Delay Insurance
    • Lost Luggage Reimbursement
    • Trip Delay Reimbursement
    • Auto Rental Collision Damage Waiver
    • Purchase Protection
    • Extended Warranty Protection

Sign Up Bonus (SUB)

The standard sign up bonus for the United Explorer Card is 40,000 United Miles after you spend $3,000 on purchases in the first 3 months that your account is opened. This is worth around $400-$500+ depending on how much you value United Miles.

Promotional sign up bonuses can reach as high as 60,000 United Miles for usually the same amount of spend.


Annual Fee

The Annual Fee for the United Explorer Card is $0 the first year, then $95 annually. If you make use of the free checked bags and the 2 United Club Passes, the fee can easily be worth picking up the card.

Authorized User Fee

The United Explorer Card's authorized user fee is $0. This means you can add friends and family to your card account to assist in building miles faster.

Foreign Transaction Fee

The foreign transaction fee is 0% for the United Explorer Card. This lets you earn United MileagePlus Miles worldwide without being penalized a fee for transactions made outside of the United States. This can be useful if you're looking to earn United Miles, but there are better credit cards for travel purchases.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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