Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Chase British Airways Visa Signature Chase United Explorer

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase United ExplorerBigger welcome offer: Chase British Airways Visa Signature

Chase

British Airways Visa Signature

Annual fee
$150
Network
visa
Welcome value
$1,125
Min spend
$5,000 / 3mo

Top earning rates

  • 3×Flights · British Airways Avios
  • 2×Hotels · British Airways Avios
  • 1×All other purchases · British Airways Avios

Key benefits

  • Reward Flight statement credits · $600
  • Travel Together Ticket (Spend Tier) · $400
  • DoorDash non-restaurant quarterly discount · $10
  • Purchase protection · $0
  • 10% off British Airways flights · $0
Full Chase British Airways Visa Signature review

Chase

United Explorer

Annual fee
$0
Network
visa
Welcome value
$720
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 2×Hotel · United MileagePlus
  • 1×All_other_purchases · United MileagePlus

Key benefits

  • Free first checked bag · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • $100 United travel credit (Spend Tier) · $100
  • JSX statement credit · $100
  • United Hotels credits · $100
Full Chase United Explorer review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer