We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence. The offers that appear on this site are from companies from which TheSimpleDollar.com receives compensation. This compensation may impact how and where products appear on this site including, for example, the order in which they appear. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. The Simple Dollar has partnerships with issuers including, but not limited to, American Express, Capital One, Chase & Discover. View our full advertiser disclosure to learn more.
United Mileage Plus Credit Card Review
If you fly on United Airlines often, you’ve probably toyed with the idea of getting the United℠ Explorer Card. Depending on your travel and credit habits, that might be an exceptionally lucrative idea.
With the United credit card, you’ll earn 2X miles on purchases made at restaurants and hotels directly with United Airlines, plus one mile per dollar spent on all other purchases. Further, you’ll score plenty of United-specific perks such as the first checked bag free on United flights, priority boarding privileges, and complimentary passes to any United Lounge worldwide. Your miles will never expire and, as a cardholder, you can use miles for any seat on any flight without worrying about blackout dates or capacity controls.
As you’ll see, the United℠ Explorer Card is perfect for anyone who flies on United Airlines exclusively and wants some free perks in exchange for their loyalty.
But, what about everyone else?
In this review we’ll explore the various benefits of this card, plus offer alternatives that could be even more rewarding. But first, let’s take a look at the United℠ Explorer Card’s key benefits.
The Simple Dollar’s Key Takeaways
- Great earning potential on United Airlines purchases. With the United Airlines credit card, you’ll earn two miles per dollar spent on all United Airlines purchases. If you fly with United often, this is a huge perk that should not be overlooked.
- No foreign transaction fees. Traveling abroad won’t cost you extra with the United℠ Explorer Card. With this card, you can make purchases overseas without paying foreign transaction fees.
- Cardholders can book any seat on any flight. Being a cardholder is especially lucrative if you plan to use your miles to book award flights frequently. Cardholders get priority when it comes to rewards, with no blackout dates or capacity controls.
- Free checked bags on United flights. If you fly on United Airlines all the time, this perk alone could save you hundreds of dollars every year. Just pay for your flight with your card and you’ll score your first checked bag free when you fly.
Review: Perfect Option for United Airlines Frequent Flyers
If you pay for United flights with credit all the time, having the United℠ Explorer Card is a no-brainer. With this card, you’ll earn two miles per dollar spent on all United purchases – and those miles can add up quickly! You’ll also earn one mile per dollar spent on all other purchases, meaning you’ll always be earning miles as long as you use the card.
As a cardholder, you’ll also have the ability to book any seat on any flight with your miles. Pair that perk with priority boarding for cardholders and your first checked bag free, and you can see why this card is perfect for people who fly on United all the time.
United℠ Explorer Card: What to watch for
While the United℠ Explorer Card is ideal for those who only fly on United Airlines, it isn’t a great deal for people who fly other airlines or want to earn flexible rewards. While it’s true you can use United miles for other rewards such as hotel stays and merchandise, you’ll only get around a half cent per mile if you go that route. Getting more value out of your miles requires using them for United flights most of the time, but if you can’t always fly United, this card could be a raw deal.
The fact that the United℠ Explorer Card only offers one point per dollar spent on all purchases also puts it at a disadvantage when compared to top travel cards like the Chase Sapphire Preferred® Card. After all, the Chase Sapphire Preferred® Card offers 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases – plus a slew of other travel perks and the most flexibility of almost any other card out there.
If you want the opportunity to earn more miles, you should probably consider a card that offers flexible rewards and at least one “bonus category.” And if you’re going to fork over a $95 annual fee after the first year, you want to make sure you’re getting the most value possible.
Who This Card is Good For:
- People who fly United Airlines almost exclusively
- Someone who buys plane tickets directly from United frequently
- Anyone who wants United Airlines perks such as priority boarding and a free checked bag
Who Should Pass:
- Someone who wants to earn more than one mile per dollar spent on everyday purchases
- People who want to earn flexible rewards
- Frequent flyers who aren’t loyal to a specific airline
How Does It Compare to Other Airline Credit Cards?
You’ll find there are all kinds of co-branded rewards credit cards that cater to frequent flyers who are loyal to a specific airline. To see how the United℠ Explorer Card stacks up, we decided to compare it to another airline credit card – the Delta SkyMiles® Gold American Express Card.
The way each of these cards works is eerily similar. The main difference is that the miles you earn with the United℠ Explorer Card are good on United Airlines and the miles you earn with the Delta SkyMiles® Gold American Express Card can only be used to book flights with Delta Air Lines. Because of this detail, the card that’s best suited for you depends a lot on which airline you’re most loyal to – or which one offers the most flights out of your home airport.
The other big difference between these two cards is which loyalty programs you can transfer points from – and how much those points are worth. Where 1,000 Chase Ultimate Rewards points are worth 1,000 United miles, 1,000 American Express Membership Rewards points are only worth 750 Delta miles. If you plan to earn extra miles with a flexible rewards card and transfer them frequently and are able to fly both United and Delta, the United℠ Explorer Card is the clear winner here.
Best Strategy with the United℠ Explorer Card
If you are already loyal to United Airlines and want to earn as many miles as possible, it makes a lot of sense to pair this card with the Chase Sapphire Preferred® Card. The Ultimate Rewards points you’ll earn with the Chase Sapphire Preferred® Card transfer to United at a 1:1 ratio, which means you can boost your point balance frequently if you want – plus maintain access to the Chase Ultimate Rewards program.
Since the Chase Sapphire Preferred® Card earns 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases, you could also leverage this card for those categories in order to earn as many miles as possible. Further, you could consider using your Chase Sapphire Preferred® Card for all purchases – even flights booked directly with United Airlines – since you’ll earn 2X miles on travel and flexible points that you can transfer to United at your leisure. Then, you can keep the United℠ Explorer Card for the extra perks including priority boarding, free checked bags, and no blackout dates for award seats. If you are having trouble picking between the two cards, it might make sense to get both.
Want to Earn Flexible Rewards? Consider This Card Instead
Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view our disclosures, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.
Please Note: Information about the Chase Sapphire Preferred® Card has been collected independently by TheSimpleDollar.com. The issuer did not provide the details, nor is it responsible for their accuracy.