Chase · Card guide
United℠ Explorer Card: every recurring credit, worth $560/year
The United℠ Explorer Card carries $560 a year in countable credits across 6 recurring benefits, against a $150 annual fee.
The math
| Amount | |
|---|---|
| Countable credits per year | $560 |
| Annual fee ($0 introductory annual fee for the first year, then $150) | $150 |
At $560/yr in countable credits against a $150 annual fee, the credits pay for themselves 3x over — if you actually use them.
Every credit, benefit by benefit
| Benefit | Credit | Resets | Yearly value | Enrollment needed |
|---|---|---|---|---|
| $100 United TravelBank cash after $10,000 spend Earn $100 in United TravelBank cash after spending $10,000 on purchases each calendar year with the card. | $100 | Yearly (calendar year) | $100/yr | No |
| $100 United Hotels credit per anniversary year Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with the card, up to $100 each anniversary year. | $100 | Yearly (on your anniversary) | $100/yr | No |
| $5/month rideshare credit Enroll to receive up to $5 back as a statement credit each month on rideshare purchases when you pay with the card, up to $60 each calendar year. | $5 ($5 per month) | Monthly | $60/yr | Yes — Yearly opt-in is required. |
| $50 Avis/Budget TravelBank credit per anniversary year Receive $25 in United TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with the card. | $50 | Yearly (on your anniversary) | $50/yr | No |
| $10/month Instacart credit Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with the card. | $10 ($10 per month) | Monthly | $120/yr | Yes — Link this card in the Instacart app to activate the credit. |
| $100 JSX flight credit per anniversary year Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using the card. | $100 | Yearly (on your anniversary) | $100/yr | No |
| $120 Global Entry/TSA PreCheck/NEXUS credit Up to $120 statement credit for a Global Entry, TSA PreCheck, or NEXUS application fee — available once every four years. | $120 (Up to $120 every four years) | Every 4 years | — | No |
Reset cadence on this card: 1 yearly (calendar year), 3 yearly (on your anniversary), 2 monthly.
Enrollment gotchas
2 of 9 tracked benefits on this card require enrollment before the credit works. Skip enrollment and the credit never appears.
- Yearly opt-in is required.
- Link this card in the Instacart app to activate the credit.
Other perks on this card
- 2 United Club one-time passes per year — no fixed dollar value in our catalog (Two United Club one-time passes after account opening and on each account anniversary — over a $100 value per year.)
- 10,000-mile award flight discount after $20,000 spend — no fixed dollar value in our catalog (Earn a 10,000-mile award flight discount after spending $20,000 in a calendar year.)
Sources: uscreditcardguide.com (2026-10-06) · doctorofcredit.com (2026-10-06) · wallethub.com (2026-10-06) · thepointsguy.com (2026-10-06). Benefit amounts last verified 2026-10-06. Card benefits change — confirm current terms with Chase before applying.
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