Question 1

Is the United Explorer Card worth the annual fee?

Accepted Answer

The United Explorer Card is worth its $150 annual fee if you use most of its 29+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do United Explorer Card benefits expire?

Accepted Answer

United Explorer Card benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track United Explorer Card benefits?

Accepted Answer

Track United Explorer Card benefits by: 1) listing all 29+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the United Explorer Card earning rates?

Accepted Answer

The United Explorer Card earns: 2x on At restaurants including eligible delivery services, 2x on Hotel stays booked directly with the hotel, 2x on United Airlines purchases. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

What lounge access does the United Explorer Card include?

Accepted Answer

The United Explorer Card includes airport lounge access. Check your cardmember agreement for specific lounge networks, guest policies, and any visit limits. Premium cards typically include Priority Pass and may have issuer-specific lounges.

Question 6

Does the United Explorer Card have foreign transaction fees?

Accepted Answer

No, the United Explorer Card has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

United Explorer Card

United Explorer Card

Earning Rates

Card Benefits

Groceries

Travel

Flights

Hotels

Car Rentals

Entertainment

Account Services

Lounge Access

Insurance

Status

Rideshare

Card Details