UNITED EXPLORER TRAVEL REWARDS CREDIT CARD
by Mac Candee
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Posted: Sunday, October 25, 2020

After doing my research and analyzing my own experience, I want to share something many of you have asked me about. And that is - which credit card is best to use when traveling? Of course, this is a very subjective question, which largely depends on your own situation, lifestyle and preferences. That’s why I did a deep dive into different options available on the market, analyzing their benefits, as well as critically assessing which one is best suited for which lifestyle.

DISCLAIMER: FOR YOU TO "WIN" THE POINTS GAME, YOU MUST ALWAYS PAY YOUR CREDIT CARDS IN FULL AND NOT CARRY A BALANCE!

Before we get into the topic any further, I want to give general advice to anyone who has an interest in travel credit card hacking. It is very important that if you’re carrying a balance and acquiring interest, you must pay those off in full first. Your number one goal is to always be debt free, after which you can focus on the travel rewards points. If you’re paying interest, it’s going to be between 18%-30%, which can easily get out of hand. This will completely negate the value you receive from getting points from traveling, because you’ll lose all that money in interest. As a rule of thumb, always pay off your credit cards at the end of the month. That’s why it’s really crucial to be responsible, and never spend more than you can pay back, and clear all debt before going further.

Why am I writing this post?

A quick disclaimer - I am not sponsored or endorsed by this company. Everything I’m saying in this blog post is my own personal opinion and experience. My motivation in writing this blog post is to tell you what the benefits are and how this has impacted my life, so you can make your own educated decision.

Personal experience

Now, let’s get to the United Explorer Airlines card. While this card can give you a lot of benefits if you travel with United often, what I’m missing is the cashback and other useful bonuses that you can find in similar cards. A pretty big plus for me is not having to pay the annual fee the first year. You can definitely get a lot of points just from signing up and using their card to travel with the airline, which can also save you money. The United Explorer Card gets you 40 000 points for signing up with this link here. It will also provide you with benefits for when you’re flying with United.

The annual fee the first year is waived. So if you’re planning on flying with United a bit more this year, then this can be very useful since you can use this card to multiply your points, without having to spend any money on a fee. If you’ve been using it for a year, you can always opt out of it and switch to a no-annual fee card. It’s a good card to have, but it’s not the main one I reach for except for when I had just opened it and had to reach the sign up bonus minimum. When you receive the sign up bonus you can use that without paying an annual fee for the first year.

This is a really good option if you’re using United often because it can save you money through the accumulation of miles that you can then exchange. Down below, you can find exactly how those miles are calculated and which purchases add them to your account.

Benefits

40,000 bonus miles

Of course, the sign up bonus is always the most lucrative. You can get these points after you spend $2,000 in the first 3 months.

You receive 2 miles for:

  • Every $1 spent on United purchases
  • Every $1 spent on restaurants and some delivery services like Caviar and DoorDash.
  • Every $1 spent on hotel accommodations when booked directly with the hotel

And 1 mile for every $1 spent on other purchases.

You also get 2 United Club one-time passes

This credit card gives you priority boarding, as well as a free first checked bag.

You can also waive $100 off your Global Entry or TSA Precheck™ fee, as well as receive 25% back on United inflight purchases.

The annual fee is $95, but you can use the card for free for the first year.

Final Thoughts

Make sure to check the link provided for any changes to the benefits that might have occurred after this article has been posted. The fine print is always important and can be subject to change at any time. As of the time of writing, all information is recent and factually correct, but there is a possibility that the company has made modifications to its offer afterwards

I hope this blog post helps you in making an informed financial decision and aids you in your quest to travel the world! I would be very happy to hear any feedback or questions you might have regarding this topic or any other down in the comments.





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