Chase · Visa
United℠ Explorer Card
Annual Fee
$95
After credits: $0
Sign-Up Bonus
$780
Spend $3,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
United flyers — free bags + lounge access
Sign-Up Bonus
Bonus: 60,000 miles
Details: 60,000 bonus miles after $3,000 spend in 3 months (~$780 value)
Requirement: Spend $3,000 in 3 months
Estimated value: $780Terms apply.
Reward Categories
United Airlines purchases
Restaurants & food delivery
Hotels
Point value: ~1.3¢ each
Key Benefits
Your first checked bag free on United flights — saves $35 each way
Use before any United flight — $50 value each
Pay the $120 fee with your card — reimbursed every 4 years
Board in Group 2 on United flights
Automatically refunded as statement credit
Pros & Cons
Pros
- + First bag free saves $140+ per round trip for 2 people
- + 2 United Club passes/year ($100 value)
- + Global Entry credit ($120 every 4 years)
- + Miles transfer to Star Alliance partners
Cons
- - Only 2x on United — not great for everyday spend
- - No complimentary United Club membership (just passes)
- - $95 annual fee
Transfer Partners
Transfer points to 2 airline and hotel partners for potentially higher value.
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Recommended credit score: 680+
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