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All comparisons
Head-to-head, 2026

Chase Disney Premier 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 Explorer

Chase

Disney Premier

Annual fee
$49
Network
visa
Welcome value
$300
Min spend
$500 / 3mo

Top earning rates

  • 5×DisneyPlus.com, Hulu.com or Stream.ESPN.com · Disney Rewards Dollars
  • 2×Gas stations and most Disney U.S. locations · Disney Rewards Dollars
  • 2×Grocery stores and restaurants · Disney Rewards Dollars
  • 1×All other card purchases · Disney Rewards Dollars

Key benefits

  • DoorDash nonrestaurant quarterly discount · $10
  • 10% off select recreation experiences · $0
  • Marvel Unlimited first-year savings · $0
  • 10% off select Disney dining · $0
  • 6-month Disney vacation financing · $0
Full Chase Disney Premier review

Chase

United Explorer

Annual fee
$0
Network
visa
Welcome value
—
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.

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