Chase
United Explorer
$150 annual fee (waived the first year)
A card is only “good” relative to yourspending. Run your numbers and we'll show this card's honest annual value for you — including the credits you'd actually use and the ones you wouldn't.
See what it's worth for meEarning
- 3x Flights (United only)
- 2x Dining out, Food delivery
- 2x Hotels
- 1x everything else
Credits
- Rideshare credit ($5/month, $60/year)
- Instacart credit ($10/month, $120/year)
- $100 United Hotels prepaid-stay credit ($50 on 1st and 2nd stays)
Worth weighing (we don't score these)
- Two United Club passes each year. Worth real money if you'd use them; too situational to score.
- Priority boarding + expanded award availability. Quality-of-life perks for regular United flyers.
- $100 United TravelBank at $10k annual spend. Real money if you already put heavy spend on the card — we don't count it because it needs $10,000/year to trigger.
- JSX and Avis/Budget extras. Up to $100/yr on JSX charter flights and up to $50/yr in TravelBank cash on Avis/Budget rentals — too niche to score.
Official card page ↗Details last verified 2026-07-04
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