United Explorer Cardvisa

The card has a $0 introductory annual fee for the first year, then $150; this reflects the 2025 United/Chase card refresh that raised the fee from the prior $95.

Earns 1x other, 2x dining, 2x hotels, 2x united.

2 lounge passes

Benefits include a free first checked bag for cardholder and a companion, priority boarding, up to $120 Global Entry/TSA PreCheck/NEXUS credit every 4 years, $100 United travel credit after $10,000 annual spend, up to $100 United Hotels credit, up to $120 Instacart credit, up to $60 rideshare credit, up to $50 Avis/Budget credit, and up to $100 JSX credit annually.

Earns up to 9x total miles on eligible United purchases (including 3x base from the card), 2x on hotel stays booked directly and on dining, and 1x on all other purchases.

No foreign transaction fees on purchases made outside the U.S.

Cardholders receive 2 United Club one-time passes per year; the card does not include a full United Club membership.

As a Chase consumer card, applications are generally subject to the unofficial 5/24 rule: approval is unlikely if the applicant has opened 5 or more personal cards across all issuers in the prior 24 months.

Earn up to 60,000 bonus miles: 50,000 after spending $3,000 on purchases in the first 3 months, plus 10,000 after adding an authorized user within the first 3 months.

Miles are MileagePlus miles, redeemable on United and Star Alliance carriers plus other United airline/hotel/car partners; they are an airline currency, not transferable to outside loyalty programs.

Includes trip cancellation/interruption, trip delay, baggage delay, and lost luggage reimbursement coverage as cardholder benefits.