The United Explorer Card from Chase got a major glow-up in the 2025 refresh, and the result is honestly kind of wild for a $150 annual fee card ($0 the first year). We're talking $100 United credit, $120 in Instacart credits, $60 in rideshare credits, hotel credits, rental car credits — over $400 in potential annual value before you even count the free checked bags or priority boarding.

This is the entry-level card in the United/Chase personal lineup, and it's designed for the occasional-to-moderate United flyer who wants to stack credits without paying premium prices. The challenge? Actually using all those credits, since they come with specific merchants, monthly caps, and enrollment requirements. If you're the type who sets calendar reminders for perks, this card will reward you handsomely. If credits expire unused in your account, the math won't be as pretty.

• First checked bag free on United flights for the cardholder and a companion on the same reservation — both of you, not just you.
• Priority boarding on United flights
• 2 United Club one-time passes per year — a taste of the lounge life.
• $100 United Travel Credit applied toward United purchases. Automatic value.
• Up to $60/year in rideshare credits
• 10,000-mile award flight discount — reduces the miles needed for certain award flights.
• Up to $100 in statement credits on United Hotels purchases
• Up to $50 in United Travel Credits on Avis or Budget purchases
• Up to $120/year in Instacart credits plus complimentary 3-month Instacart+ membership (25% off annual membership afterward)
• No foreign transaction fees

Annual Fee: $0 introductory for the first year, then $150 per year. (Existing cardholders transitioned to the new $150 fee on or after January 1, 2026.)

Foreign Transaction Fees: None.

Other Fees: Standard Chase fee schedule applies.

On paper, the credits blow the $150 fee out of the water: $100 United credit + $120 Instacart + $60 rideshare + $100 hotel + $50 rental car = $430+. In reality, maximizing every single one takes effort and planning. But even hitting half of them puts you well ahead. And year one is free, so there's literally no risk in trying.

Earn 50,000 bonus miles after spending $3,000 on purchases in the first 3 months, plus 10,000 bonus miles after adding an authorized user in the first 3 months — for a total of up to 60,000 miles.

At roughly 1.3 cents per United mile, this bonus is worth approximately $780. Not the highest in the United lineup, but the $3,000 spend threshold is low and the authorized user bonus is basically free. The Delta Gold's 90,000-mile offer is bigger, but the Explorer's credit stack makes up for it on the back end.

That 5X on United Hotels bookings is eye-catching — though you have to book through United's hotel portal, which isn't always the cheapest rate. The 2X on dining and hotels is solid for this price tier. Pro tip: stack with United's MileagePlus Dining program for up to 7X total at participating restaurants. The 1X on everything else is just there. Not great, not terrible.

United MileagePlus miles are genuinely flexible — and this is where United has a real edge over Delta:

• United and Star Alliance flights: Book award flights on United, Lufthansa, ANA, Singapore Airlines, and 20+ Star Alliance partners. This is the money move.
• United TravelBank: Convert miles to TravelBank cash for United flights
• Upgrades: Use miles for Economy to Business/First upgrades on select routes
• Hotels and car rentals: Book through United's travel portal
• Merchandise and gift cards: Available through MileagePlus but the value is bad. Just don't.

The real magic is Star Alliance partner redemptions — sweet spots include ANA First Class to Japan and Lufthansa Business Class to Europe, often at far lower mile costs than United's own flights. This is where MileagePlus miles really shine.

• $100 United Travel Credit: Applied toward United purchases annually. Easy to use if you fly United at all.
• Up to $120/year Instacart credits: Monthly credits toward Instacart purchases, plus a complimentary 3-month Instacart+ membership. Great if you already use Instacart; wasted if you don't.
• Up to $60/year rideshare credits: Statement credits on rideshare services.
• Up to $100 United Hotels credits: Statement credits on hotels booked through United Hotels.
• Up to $50 Avis/Budget credits: United Travel Credits on rental car bookings.
• 10,000-mile award flight discount: Reduces miles needed for certain award bookings. Free miles, basically.
• 2 United Club one-time passes: Single-visit lounge access — nice for special occasions.
• Free checked bag: For cardholder and a companion on the same reservation.

Total potential annual credit value: $430+. That's nearly 3x the annual fee. But potential and reality are different things — you have to actually use these credits for them to matter.

Post-2025 refresh, the Explorer's credit package is the most generous of any entry-level airline card — it's not even close. The free checked bag covering a companion is a nice edge over Delta Gold's solo coverage. Where the Delta Gold fights back is the sign-up bonus (90K vs 60K) and the $200 flight credit (though that needs $10K in spending). The Aviator Red is cheap but bare-bones. Your airline loyalty should drive this decision, but the Explorer's value stack is hard to beat on paper.

• Occasional-to-moderate United flyers who check bags and want priority boarding without paying premium prices.
• Instacart and rideshare users who will naturally burn through those monthly credits — free money if it fits your lifestyle.
• Star Alliance enthusiasts who want to earn MileagePlus miles for partner redemptions on ANA, Lufthansa, and others.
• Credit stackers who enjoy maximizing value — the $430+ in annual credits vs. $150 fee is one of the best ratios in airline cards, if you put in the work.

Not the right card for: frequent flyers who need real lounge access (2 passes won't cut it), anyone chasing United Premier status (the Quest does that better), or people who rarely fly United or Star Alliance partners.