Chase UA Explorer Credit Card (2018.3 Update: 50k+5k Offer)

Chase United MileagePlus Explorer Card (Chase UA Explorer) Review

2018.3 Update: The 50k+5k+$100 offer is expired. Now there’s only 50k+5k offer.

2018.2 Update: A new public offer is alive today: 50k+5k+$100, offer ends 03/15/2018. HT: nadira DoC.

Application Link

READ: Opening a new account with a bank can be stressful, so Chase offers attractive bonuses to their new clients.


  1. 50k+5k offer: get 50k United miles after $3000 spending in 3 months. Get 5k additional miles after adding an authorized user on your account. 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. Earn 2x miles on United. Earn 1 mile per dollar spent on all other purchases.
  4. “Use miles for any seat, any time, on any United flights” Opens up award availability.
  5. Get 2 United Club one-time passes each year.
  6. First checked bag free and Group 2 boarding on United flights when purchasing tickets (or paying the tax and fees for award tickets) with this card.
  7. If you spend $25k or more in a calendar year, you will get 10k bonus miles plus a PQD waiver up to Platinum status.
  8. Get 25% bonus miles on MileagePlus X purchases.
  9. No foreign transaction fee.
  10. 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 reject your application for this card.The number of new accounts includes all credit card accounts, not only Chase accounts. Recently some data points have shown that there are exceptions to this rule, but if you really want this card, play it safe and be sure to apply for it as soon as you are eligible. See this post for details.
  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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