United Explorer

Primary coverage up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.

Reimburses up to $100 a day for up to 3 days for essential purchases when baggage is delayed over 6 hours.

Reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen.

Reimbursed up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares if trip is canceled or cut short by covered situations.

Reimbursed for unreimbursed expenses such as meals and lodging up to $500 per covered traveler if travel is delayed more than 12 hours or requires an overnight stay.

Up to $60 in statement credits annually for rideshare purchases ($5 monthly).

1x mile on all other purchases.

2x miles on hotel stays when booked with the hotel and dining, including eligible delivery services.

3x miles on all other eligible United purchases.

9x total miles on eligible United flights (6x miles on the fare as a MileagePlus member, plus 3x miles on entire United purchase with card).

Earn 1 PQP for every $20 spent, up to 1,000 PQP per calendar year.

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months.

Up to $120 in Instacart credits annually ($10 monthly).

Covers eligible new purchases for 120 days against damage or theft up to $10,000 per item.

3 months of complimentary Instacart+ membership, then 25% off annual rate through 12/31/27.

Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.

2 United Club one-time passes per year.

Up to $50 in United TravelBank cash annually for Avis or Budget car rentals.

Up to $120 statement credit for application fee every 4 years.

Up to $100 in statement credits annually for flights booked directly with JSX.

Up to $100 in statement credits annually for prepaid hotel stays booked through United Hotels.

Earn $100 in United TravelBank cash after spending $10,000 in a calendar year.

Earn a 10,000-mile award flight discount after spending $20,000 in a calendar year.

Primary cardmember and one companion on the same reservation get first standard checked bag free on United-operated flights.

No foreign transaction fees on international purchases.

Primary cardmember and companions on the same reservation get priority boarding on United-operated flights.

Save 10% or more when booking flights with miles.

25% back as a statement credit on food, beverage, and Wi-Fi purchases on board United flights and premium drinks at United Clubs.