Credit Cards » Credit Card Reviews » United℠ Explorer Credit Card: 2024 Review
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United℠ Explorer Credit Card: 2024 Review

From the free bags to the lounge access, the United℠ Explorer has many perks for cardholders who tend to fly with United frequently.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

United℠ Explorer Card

united explorer

Rewards Plan

1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases

Sign up Bonus

50,000 miles 50,000 miles after you spend $3,000 on purchases in the first 3 months your account is open.

Our Rating

4.3
4.3/5

0% Intro

N/A

Annual Fee

$95 ($0 first year)

APR

21.99% – 28.99% variable

United℠ Explorer Card

united explorer

Rewards Plan

1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases

Sign up Bonus

50,000 miles 50,000 miles after you spend $3,000 on purchases in the first 3 months your account is open.

Our Rating

4.3
4.3/5

PROS

CONS

APR

21.99% – 28.99% variable

Annual Fee

$95 ($0 first year)

0% Intro

N/A

Credit Requirements

Good - Excellent

The United Explorer Card is a mid-tier option among United credit cards, offering a range of benefits that cater to frequent United flyers.

With a United Explorer card, you can earn 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases. The miles that you accumulate through using this card don’t expire, just so long as the account is active.

When you sign up for the United Explorer Card, the new cardholder will receive 50,000 miles after you spend $3,000 on purchases in the first 3 months your account is open.. The card comes with an annual fee of $95 ($0 first year) and the variable APR is 21.99% – 28.99% variable, based on your credit worthiness.

 The card provides a free checked bag for the cardholder and a companion on the same United itinerary. Other perks include priority boarding, TSA Precheck/Global Entry fee reimbursement, and two one-time United Club passes annually.

While it provides valuable perks, the benefits may not justify the $95 ($0 first year) annual fee for those who don't frequently fly with United or prefer more versatile rewards programs.

Does the card offer any travel insurance benefits?

Yes, the card provides travel protections, including rental car insurance and trip delay reimbursement.

Are there blackout dates for using earned miles?

No, the United Explorer Card does not have blackout dates for redeeming miles.

Can I redeem miles for flights on other airlines?

The card is tailored for United loyalists, allowing redemption for flights within the United network and with Star Alliance partners.

Is the card subject to the Chase 5/24 rule?

Yes, the card is subject to the Chase 5/24 rule, limiting eligibility for those with five or more credit cards in the past two years.

Can I transfer miles to other loyalty programs?

Miles earned with the United Explorer Card are specific to the United MileagePlus program and cannot be freely transferred to other loyalty programs.

Is the card a good choice for infrequent travelers?

The card's value is optimized for regular United flyers who can benefit from perks like free checked bags, making it less ideal for infrequent travelers.

United Explorer Card overview
(Photo by NaMong Productions/Shutterstock)

Pros & Cons

Let’s take a look at the pros and cons of the United Explorer card and see if it’s the right one for your wallet or not.

Pros
Cons
Priority Boarding
Annual Fee
No Foreign Transaction Fee
Balance Transfer Fee
Travel Insurance
Limited Everyday Spending Rewards
United Club Passes
Airline Loyalty Required
Global Entry/ TSA PreCheck Credit
Baggage Insurance

The United Explorer Card offers a priority boarding onto your flight. 

While these seem like less important perk, they are certainly subtle things that can make traveling much less stressful.

The card doesn't charge a foreign transaction fee –  a great rewards if you're traveling abroad frequently.

If your trip is cut short or canceled due to severe weather, sickness or other covered situations, you can be reimbursed up to $1,500 per person or $6,000 per trip for any non refundable, pre-paid passenger fares.

Also, if you charge your entire rental cost to your United card, you’ll receive auto rental collision damage coverage for most rental cars domestic and abroad.

You can receive two United Club one times passes every year on your membership anniversary. In the United Club, you’ll enjoy complimentary snacks, beverages, WiFi and access to workspaces.

TSA Precheck has some great benefits for travelers, You can receive up to $100 in statement credit as reimbursement every four years for your application fee when you charge it to your card.

When cardholders have an active United Explorer Card, they will receive two One-Time passes annually into United Club lounges. This is something that not to many airlines will give their cardholders for free. 

If anything, they will be available for purchase at a discounted rate, or something not even that. United Club passes such as these can make long layovers much more enjoyable and relaxing

United lounge SF Airport
United lounge SF Airport (Photo by JJava Designs/Shutterstock)

You can claim up to $100 per day for three days if your bags are delayed over six hours as reimbursement for essential purchases. If your check or carry on bags are damaged or lost by your carrier, you’ll also have up to $3,000 per passenger in coverage.

The United Explorer Card offers new card holders a waived annual fee for the first year. After this, the annual fee is $95 ($0 first year). This is average or higher than other travel cards in the industry.

However, with the rewards that are offered with obtained points, the United Explorer Card certainly has the potential to pay the cardholder back and make the annual fee worth it.  

This fee is $5 or 5% of the transfer, whichever is bigger.

The fee is incurred when you transfer debts from one or more credit cards to your Wells Fargo Rewards Card. This fee is upfront and will be added to your debt load when transferred.  

The card's benefits heavily favor United loyalists, potentially limiting its appeal for those who prefer airline flexibility.

Earning 1 mile per $1 on most non-bonus purchases is less competitive compared to other cards.

Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
100,000 points 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
155,000 points 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
100,000 points 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
155,000 points 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Simulate Your Rewards: How Much You Earn?

Despite the fact that we've looked at a variety of card features, understanding the actual cash benefits can be difficult without a direct scenario comparison.

Because both of these cards are intended for everyday use, we'll examine typical monthly spending to see what rewards the cards provide, so you can see what rewards you could earn with similar spending.

However, keep in mind that the numbers should be adjusted to your regular spending categories, which may differ – so the exact calculation is dependent on your personal habits.

united explorer
Spend Per Category
United℠ Explorer Card
$5,000 – U.S Supermarkets
5,000 miles
$3,000 – Restaurants
6,000 miles
$3,000 – Airline
6,000 miles
$3,000 – Hotels
6,000 miles
$4,000 – Gas
4,000 miles
Estimated Total Points
$27,000 miles
Estimated Annual Value
~ $486

The redemption methods are the same regardless of which Chase United card you choose. You can use your miles to fly to over 1,300 destinations around the world via the Star Alliance network, which includes United and other well-known airlines.

Book United flight with Explorer card
Book United flight with Explorer card (screenshot taken by our team from United app)

You can also use your miles for car rentals and hotel reservations through the CarAwards and HotelAwards programs. If you prefer to shop, you can use your miles to buy home goods, electronics, and other items from your favorite brands at the MileagePlusAwards website.

Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How To Make The Most of Explorer Card?

These tips for maximizing your Explorer card rewards:

  • Prioritize Travel: While you can redeem your United Explorer miles for shopping or other rewards, the best redemption rates are usually found with travel deals. So, try to prioritize travel, even if it means waiting to accumulate enough miles for your plans.
  • Be Flexible With Your Travel Dates: If at all possible, try to be flexible with your travel dates and destinations. This will allow you to search through the various redemption options to find the best value for your miles. Try out a few different itineraries to see which one works best for you.
  • Don't Assume Miles Are the Best Option: Even if you want to redeem your miles, don't automatically assume that doing so is the best option. For example, if you're looking at an economy cross-country flight, it's possible that you'll only get 1 cent per mile. You would be better off paying cash and saving your miles for a better deal in this case.
  • Use Your Card On Board: When you pay with your card, you will receive a 25% rebate in the form of a statement credit for your in-flight purchases, which include WiFi, food, and beverages. If you fly frequently, this could amount to hundreds of dollars per year.
  • Use the Referral Program: If you want to boost your mile balance, refer a few family members and friends. You will receive a 20,000 mile bonus for each referral who applies and is accepted. With this program, you can earn up to 100,000 miles per anniversary year.
Book an experience with United explorer card
Book an experience with United explorer card (screenshot taken by our team from United app)

How To Apply For United Explorer Credit Card?

Visit the Chase Explorer Card homepage and click “Apply Now.”

A page appears to get you started, which includes your names, mailing address, date of birth, etc.. Next, specify your statement and communication delivery preference.

United Explorer Credit Card_Personal details

Now, take your time to read through the E-Sign Disclosure as well as the Pricing & terms. Lastly, agree to the certifications and click “Submit.”

How It Compared To Other United Cards?

The United Explorer Card, positioned as a mid-tier option among United credit cards, has distinct features that set it apart. It offers more rewards than the United Gateway card, the lowest tier card in United series, that doesn't charge an annual fee.

Unlike the premium United Club℠ Infinite Card, which carries a higher $525 annual fee but offers enhanced benefits like United Club membership and elevated earnings on United purchases, the Explorer Card strikes a balance with valuable perks like free checked bags and priority boarding at a more affordable cost.

In comparison to the United Quest℠ Card, which have higher annual fee of $250, the Explorer Card focuses on providing practical benefits for regular United flyers without the Quest's higher-tier perks like additional anniversary award flight credits.

Is the United Explorer Credit Card Right for You?

Despite the fact that the United Explorer Card does have many great rewards and benefits, it still is limited to an extent due to the fact that the United Explorer Card is designed for United Flyer loyalists. 

If you are a fan of United and use their airline often, or think you will be flying with United frequently in the future, then this is a great card for you and it could certainly make your experience flying with United Airlines much better. 

However, if you are an infrequent flyer with United, or prefer other airlines, then the United Explorer Card might not be the best viable option for you.

Compare The Alternatives

There are several other travel-focused credit cards that offer higher travel reward rates and bonuses when signing up. Let’s take a look at them and see if one is better suited for you than the United Explorer card:

united explorer

Delta SkyMiles Gold American Express Card Review

United℠ Explorer Card
Delta SkyMiles® Gold American Express Card
Citi®/AAdvantage® Platinum Select® World Elite Mastercard®
Annual Fee
$95 ($0 first year)
$150, $0 intro first year. (See Rates and Fees.)
$99 (waived for the first 12 months)
Rewards
1X – 2X 2x per $1 spent on United purchases, hotel accommodations, restaurants & eligible delivery services and 1x per $1 spent on all other purchases
1X – 2X 2X miles on delta purchases, at restaurants worldwide (including take-out and delivery in the U.S) and at U.S. supermarkets, and 1x miles on all other eligible purchases
1X – 2X Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Welcome bonus
50,000 miles 50,000 miles after you spend $3,000 on purchases in the first 3 months your account is open.
40,000 Miles 40,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 6 months
50,000 Miles 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Foreign Transaction Fee
$0
$0. See Rates and Fees.
$0
Purchase APR
21.99% – 28.99% variable
20.99%-29.99% Variable
21.24% – 29.99% (Variable)

FAQ

The United Explorer card offers auto rental collision damage waiver protection.

If you charge the entire rental and decline the collision insurance from the rental company, you’ll enjoy primary coverage against collision damage or theft. Anyway, review the terms and conditions before to make sure you're covered.

One of the advantages of the Explorer card is that the miles don’t expire, so you can continue to accumulate them to save for a dream vacation or other rewards.

While Chase does occasionally send out pre approval letters for some of its cards, pre approval is not available, and you will need to submit an application and have Chase pull your credit.

This depends on how you redeem the miles. Typically, United flights will offer the best redemption deal and you can expect approximately 2 cents per mile. However, this can be as low as 1 cent per mile, depending on the specific flight or redemption deal.

Yes, the United Explorer card covers trip cancellation/interruption protection. So, if your trip is canceled by a covered situation, you can claim up to $6,000 per trip and up to $1,500 per person

Compare United Explorer Card

The United Gateway and Explorer are two co-branded credit cards offered by Chase in partnership with United Airlines. Here's our winner.

United Gateway vs United Explorer Card: How They Compare?

The Quest card has recently launched in order to provide a premium alternative to the old Explorer card. How they compared & is it worth it?

United℠ Explorer Card vs United Quest℠ Card: Which is Better?

In this comparison, we will delve into the key features, benefits, and considerations of both the United Explorer and Infinite Card.

United Explorer vs Infinite Card: How They Compare?

The Chase Sapphire Preferred is more versatile and offers better travel rewards than the Explorer card. But what if you're loyal to United?

United Explorer Card vs Chase Sapphire Preferred: Side By Side Comparison

The United Explorer and the Southwest Premier card have numerous shared features. Let's explore the distinctive strengths of each card.

Southwest Rapid Rewards Premier vs. United Explorer: Comparison

While the AAdvantage Platinum Select and the United Explorer Card have many common features, the Explorer card is our winner. Here's why.

Citi/AAdvantage Platinum Select vs. United Explorer: How They Compare?

The Delta SkyMiles Gold and the United Explorer Card offer airline benefits and similar fees. The SkyMiles Gold is our winner – here's why.

United Explorer vs Delta SkyMiles Gold: Side By Side Comparison

The Alaska Visa offers higher annual cashback value than United Explorer, but the latter takes the lead when it comes to airline perks.

Alaska Visa Signature vs United Explorer: Side By Side Comparison

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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Review Airline Credit Cards

Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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Best Cards Per Category
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
185,000 points 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.