United Explorer

Annual fee: $0
Network: visa
Type: personal

It earns United MileagePlus miles on eligible United purchases, dining, and hotel stays, plus a lower base rate on other purchases.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$760

What the issuer advertises.

02Realistic

$580

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$180 of the advertised value — 24% — comes with strings attached.

Why Perqt says this

$760 advertised across 8 benefits.
$180 (24%) needs a booking, enrollment, or deadline.
Biggest credit — Instacart monthly credit, $120 — only via Instacart.
Free first checked bag ($200) posts automatically. No hoops.

Better fit if

You book travel through Instacart.
You'll actually use Free first checked bag.
2× on travel matches your spend.

Probably not if

You book direct, not via Instacart.

How Perqt calculates this

Welcome offer

Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months from account opening.

Est. value: $720
Minimum spend: $3,000
Within: 3 mo

First-year annual fee waived

Earning rates

All_other_purchases
on all other purchases
1×
miles
United MileagePlus
Top earn
Travel
on United purchases
2×
miles
United MileagePlus
Top earn
Dining
at restaurants, including eligible delivery services
2×
miles
United MileagePlus
Top earn
Hotel
on hotel stays booked directly with the hotel
2×
miles
United MileagePlus

On-card benefits & credits

Free first checked bag
$200
/Annual
The primary cardmember and one companion on the same reservation each receive one standard checked bag free on eligible United-operated flights when tickets are purchased with the card.
Global Entry, TSA PreCheck or NEXUS fee credit
$120
/One-time
Receive up to $120 once every four years toward the application fee for Global Entry, TSA PreCheck or NEXUS when charged to the card.
$100 United travel credit (Spend Tier)
$100
/Annual
After $10,000 in calendar-year card purchases, receive $100 in United TravelBank cash for future United or United Express flights. Unlocks after $10,000 calendar-year spend on the card.
JSX statement credit
$100
/Annual
Receive up to $100 in statement credits each anniversary year for flights booked directly with JSX and paid with the card.
United Hotels credits
$100
/Annual
Receive two $50 statement credits on the first and second eligible prepaid United Hotels stays each anniversary year, up to $100 total.
Avis or Budget United travel credits
$50
/Annual
Receive $25 in United TravelBank cash for each of the first two eligible Avis or Budget rentals booked through cars.united.com, up to $50 each anniversary year.
Priority boarding
$50
/Annual
The primary cardmember and companions on the same reservation board eligible United-operated flights before general boarding when the MileagePlus number is included.
Instacart monthly credit
$10
/Monthly
Receive one $10 Instacart credit per month, up to $120 per calendar year, for eligible direct Instacart purchases. Benefits end December 31, 2027.
Rideshare statement credit
$5
/Monthly
After yearly enrollment, receive up to $5 per calendar month in statement credits on eligible rideshare purchases, up to $60 per year.
Purchase protection
$0
/Annual
Covers eligible new purchases against damage or theft for 120 days from the purchase date, up to $10,000 per item.
Baggage delay insurance
$0
/Annual
Reimburses essential purchases such as toiletries and clothing when covered baggage is delayed more than six hours, up to $100 per day for three days.
United Card Events from Chase
$0
/Annual
Cardmembers can purchase access to private, curated culinary, sports, music and family experiences.
Concierge services
$0
/Annual
Provides complimentary personalized assistance with reservations, referrals and recommendations worldwide.
Trip cancellation and interruption insurance
$0
/Annual
Reimburses prepaid, nonrefundable passenger fares when a covered trip is canceled or cut short by sickness, severe weather or another covered situation.
2 United Club one-time passes
$0
/Annual
Receive two one-time United Club passes after account opening and every cardmember anniversary; access is subject to United Club rules and space availability.
Extended warranty protection
$0
/Annual
Extends an eligible manufacturer's U.S. warranty by one additional year on warranties of three years or less, up to four years from purchase.
No foreign transaction fees
$0
/Annual
Purchases made outside the U.S. are not charged a foreign transaction fee.
Premier Qualifying Points from card spend
$0
/Annual
Earn 1 Premier Qualifying Point for every $20 in net card purchases, up to 1,000 PQP per calendar year, toward United Premier status qualification.
3 months complimentary Instacart+
$0
/One-time
Get three complimentary months of Instacart+, then automatic enrollment at 25% off the annual rate unless canceled. Benefits end December 31, 2027.
Primary auto rental coverage
$0
/Annual
Primary rental coverage reimburses theft and collision damage for most rental vehicles with an MSRP of $125,000 or less, up to $60,000.

Other Chase cards

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