The Chase United Explorer card is a popular credit card, offering numerous benefits for those who use it. This review will provide an overview of the features and rewards offered by this card, as well as insights into whether or not it may be a good option for potential users. The review will also discuss some of the drawbacks associated with the card.
This article aims to thoroughly evaluate the Chase United Explorer Card in order to determine its suitability for prospective customers. All aspects of the card will be considered, including fees, rewards structure, customer service support and more. Furthermore, comparisons will be made between this product and similar offerings from other financial institutions to explore how it stands up against competitors.
Overall, this review seeks to provide readers with all relevant information about the Chase United Explorer Card so that they can make an informed decision when deciding if this product is right for them.
Overview Of The Card
The Chase United Explorer Card is a travel rewards credit card offered by JPMorgan Chase and Co. It offers cardholders the opportunity to earn points for their spending, which can be redeemed for various travel-related purchases such as flight tickets, hotel stays, rental cars or even cruises. Additionally, the card provides an array of benefits including priority boarding privileges on United Airlines flights, free checked bags when flying with United Airlines, two complimentary lounge passes annually and more. Furthermore, it also features 0% introductory APR on purchases and balance transfers for 12 months from account opening.
In terms of fees associated with this card, there is no annual fee for the first year then $95 thereafter; 3% foreign transaction fee applies; balance transfer fee of 5% of the amount transferred (minimum $5); cash advance fee either 10%, $10 minimum; late payment up to $39. The standard variable purchase APR after the introduction period ranges between 17.99%-25.74%.
Benefits And Perks
The Chase United Explorer Card offers a variety of benefits and perks to its cardholders:
- 2 miles per dollar spent on tickets purchased from United Airlines.
- 1 mile per dollar spent on all other purchases.
- 25% back as statement credit for in-flight food, drinks, and Wi-Fi with United Airlines when you use your card.
- Free checked bag (up to $100) for the primary card member when they fly United Airlines.
- Priority boarding privileges with United Airlines.
- Access to exclusive events and experiences through the “United MileagePlus X” app.
- No foreign transaction fees when traveling abroad.
Cardholders also receive access to additional services such as travel insurance, purchase protection, lost luggage reimbursement, car rental insurance, and extended warranty protection. All these features make the Chase United Explorer Card an excellent choice for frequent travelers who want more value out of their rewards cards.
Fees And Interest Rates
The Chase United Explorer Card offers several fees and interest rates that may affect the overall decision to apply. These include an annual fee of $95, a balance transfer fee of 5% with a minimum fee of $5, and foreign transaction fees up to 3%. Additionally, there is an APR on purchases between 16.99%-23.99%, depending on creditworthiness; cash advances have a 25.24% APR, while balance transfers have either 0% for 15 months or 16.49%-25.49%, again based on creditworthiness
The following table outlines more information about these fees and interest rates:
|Fee/Interest Rate||Annual Fee||Balance Transfer Fee||Foreign Transaction Fees||Purchase APR||Cash Advance APR||Balance Transfer (0%) Offer||Balance Transfer (16.49-25.49%) Offer|
|Amount/Rate||$95||5%. min $5||Up to 3%||16.99%-23.99%||25.24%||15 Months||16.49%-25.49%|
This card also offers a variety of other benefits such as travel insurance coverage, trip cancellation protection, 24/7 customer service access and exclusive rewards program bonuses which make it attractive to travelers looking for convenience when planning trips abroad or domestically within the United States . The combination of low fees and competitive interest rates provide cardholders with good value for their money spent using this particular credit card option from Chase Bank
The eligibility requirements for the Chase United Explorer Card are quite straightforward. To be eligible, applicants must have a valid Social Security number and permanent residence in the United States. Additionally, all applicants must be at least 18 years old to apply. Those under 18 may not obtain the card without an authorized user who is over 18.
Chase also requires individuals to have a good credit score before applying for this card. A credit score of 700 or higher is generally recommended; however, some consumers with lower scores can still qualify. Approval will ultimately depend on the individual’s financial situation and history as well as other factors that could influence the decision-making process such as income level, existing loans and debt-to-income ratio among others.
The Chase United Explorer Card offers an impressive rewards program that appeals to frequent flyers. Cardholders are rewarded with two miles per dollar spent on tickets purchased from United Airlines, as well as at hotels and restaurants. Additionally, cardholders receive one mile per dollar spent on all other purchases. These points can then be redeemed for a variety of items such as flights, hotel stays, car rentals, and gift cards.
Benefits of the Rewards Program include:
- 2 miles per dollar spent on United Airlines’ ticket purchases
- 1 mile per dollar spent on all other purchases
- Points can be redeemed for a variety of items including travel expenses or gift cards
- 25% bonus when using points to book award flights through their website
Cardholders can also take advantage of additional benefits such as priority boarding and complimentary checked bags. With these features combined with its excellent rewards program, the Chase United Explorer Card is sure to provide customers with plenty of opportunities for savings and convenience while traveling.
Pros And Cons
The Chase United Explorer Card offers an extensive rewards program for frequent flyers. It is important to consider the pros and cons of this card before making a purchase decision. The primary advantage of the card is its generous miles-earning structure, which allows users to earn double points on travel and dining purchases and one point per dollar spent elsewhere. Furthermore, customers can also receive up to $100 in statement credits each year when they use their explorer card at eligible hotels in the Marriott Bonvoy portfolio. Additionally, cardholders can take advantage of complimentary membership into Priority Pass Select lounges worldwide, providing them with access to exclusive airport amenities such as food, drinks, showers and more.
On the other hand, there are some drawbacks associated with using the Chase United Explorer Card. For example, although the annual fee is relatively low compared to other airline credit cards on the market (at only $95), it may not be worth it for those who do not fly frequently or make large purchases every month. In addition, since miles expire after 18 months of account inactivity, travelers must stay vigilant about regularly redeeming their earned rewards or risk losing out on them altogether.
The Chase United Explorer Card is an excellent travel and rewards credit card, offering a range of benefits and perks that make it stand out from the competition. Not only does it provide generous rewards on popular categories such as dining, hotels, and flights, but its annual fee is also relatively low compared to other cards in the same category. In addition, there are no foreign transaction fees or blackout dates for using your miles. Eligibility requirements are straightforward and applicants can expect to receive their results within minutes after applying online. The Rewards Program provides points that can be redeemed for airfare with participating airlines, hotel stays, car rentals, gift cards, merchandise and experiences at select merchants.
Overall, the Chase United Explorer Card has many advantages when compared to similar products. Its competitive interest rate makes it attractive to those who plan on carrying a balance every month while still receiving great rewards. Additionally, the ability to redeem earned points with no blackout dates offers flexibility and convenience when booking trips or shopping around for deals. Finally, the lack of foreign transaction fees helps keep costs down while travelling abroad.