Chase UA Explorer Credit Card Review (2019.1 Update: 50k Offer)

Chase United MileagePlus Explorer Card (Chase UA Explorer) Review

2019.1 Update: The 40k+25k offer is now expired. The 50k offer is still alive.

2018.11 Update2: There’s a new 40k+25k offer. It looks good at first glance, but the latter 25k requires $10k spending. So for most people the current best offer is still 50k.

2018.11 Update: The offers do not contain the 5k miles for adding an authorized user part any more. The current best public offer is 50k.

Application Link


  1. 50k offer: get 50,000 United miles after $3,000 spending in 3 months. The recent best public offer is 50k+5k+$100, and the best targeted offer is 70k+5k+$50 (first year annual fee NOT waived).
  2. We value UA miles at 1.6 cents (Airline Miles Value). So the 55k+$100 sign-up bonus is worth about $980. See A Beginner’s Guide to UA Miles to check for details about UA Miles.
  3. New: Earn 2x UA miles on United, restaurants and hotels. Earn 1x UA mile per dollar spent on all other purchases.
  4. “Use miles for any seat, any time, on any United flights” Opens up award availability (XN cabin).
  5. Get 2 United Club one-time passes each year.
  6. First checked bag free on United flights when purchasing tickets (or paying the tax and fees for award tickets) with this card..
  7. Group 2 boarding on United flights when purchasing tickets (or paying the tax and fees for award tickets) with this card.
  8. New: earn 25% back on in flight purchases.
  9. Get 25% bonus miles on MileagePlus X purchases.
  10. New: up to $100 的 Global Entry or TSA Pre✓® Fee Credit
  11. No foreign transaction fee.
  12. Refer a friend (targeted): You can earn 5,000 bonus UA miles for every approved account you refer, up to a maximum of 10 approved referrals (50,000 UA miles) per calendar year.


  1. Annual fee $95, waived for the first year.

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
  2. You are not eligible for this sign-up bonus if you received a sign-up bonus on this card within 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you opened or closed the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
  4. We recommend you to apply for this card after you have a credit history for more than a year.


The value of 50k+5k UA Miles+$100 highest sign-up bonus is about $980, which makes it one of the best sign-up bonuses. However, the reward rate is not very impressive, which makes it hard to justify the $95 annual fee. If you fly UA a lot so that the UA related perks make up the annual fee, this credit card is worth keeping. Otherwise you can consider downgrading it.

Related Credit Cards

Recommended Downgrade Options

After Applying

  • Call 800-436-7927 to check Chase application status. This is an automated telephone line, and the information has the following meanings: Receive decision in 2 weeks means your application is probably approved; Receive decision in 7-10 days means your application is probably rejected; Receive decision in 30 days simply means your application requires further review and there’s nothing to tell you for now.
  • Chase reconsideration backdoor number: 888-270-2127 or 888-609-7805. Call it if you didn’t get approve immediately. Your personal information will be acquired and they will then review it. You seldom answer questions, instead, just enjoy the music and then you get approved or rejected, or further information is needed to be hand in to the branch or faxed.

Historical Offers Chart

Application Link

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