Understanding MCC Codes – United MileagePlus Explorer

explorer cardBy far, my most popular post is the one about Understanding MCC Codes. Day in and day out, it consistently generates the most traffic.

So, I thought I’d build on its popularity by posting, one by one, on the specific benefits of the various cards I have. It’s a bit tricky since credit card companies tend to offer the most detailed information during the signup/application phase; not once you’ve actually been approved for the card. But we tend to keep the documentation (if we keep it at all) once we’ve been approved. (Hint: keep all the documentation.)

Here’s the info I found regarding the Chase United MileagePlus Explorer card. (Unlike the Bank of America application I got in the mail, the Chase United MileagePlus Explorer application does not mention the specific MCC codes, but it’s still helpful.):

EARNING MILES: You, as the primary cardmember, will earn a total of 1 mile for each $1 of Net Purchases. You will earn an additional 1 mile for each $1 of Net Purchases (for a total of 2 miles) where United Airlines is identified as the merchant on your monthly credit card statement. Therefore, United purchases on some discount travel websites and on board will not qualify for the stated rewards offer. (“Net Purchases” means purchases of goods and services made by you or any authorized user on your account minus any returns or refunds.) There is no maximum number of miles that you can accumulate in the program. You do not earn miles on balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that are used to access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including fees for products that protect or insure the balances of your account. See Rewards Program Rules and Regulations, which will be mailed after your account is established.”


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