United Explorer
$0 intro annual fee the first year
Credits 9
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $580 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
Up to $5/month on rideshare purchases ($60 per calendar year); yearly opt-in required.
How to activate: Opt in to the rideshare benefit each calendar year in the Chase app or on Chase's website.
$10 Instacart credit each month on one order of $10+; unused credit doesn't roll over.
How to activate: Activate the free Instacart+ membership with this card on Instacart's Chase United offer page.
Condition: Requires active Instacart+ (3 months complimentary, then 25% off the annual fee)
$10 off one non-restaurant DoorDash order (grocery, convenience, retail) each calendar month while DashPass is active with this card, for DashPass first activated on or after Sep 1, 2026; earlier activations get it once a quarter. Unused discounts don’t roll over.
How to activate: Add the card in the DoorDash app and activate DashPass with it by 12/31/2027, then pay with that card.
Condition: Requires DashPass (12 months complimentary when activated by 12/31/2027, then paid)
Every year
$100 in United TravelBank cash (one per calendar year), posted 6-8 weeks after meeting the spend; TravelBank credits expire 12 months after issue.
Condition: After $10,000 in purchases in a calendar year
$50 back on each of your first two prepaid ('Pay Now') hotel stays of $50 or more booked through United Hotels each anniversary year.
$25 in United TravelBank cash on each of your first two Avis or Budget rentals (2+ days) per anniversary year, booked via mileageplustravel.united.com and paid with the card.
Up to $100 in statement credits each anniversary year on flights booked directly with JSX.
One 10,000-mile United award discount per calendar year (awards over 10,000 miles); expires 12 months after issue. ~$100 conservative value.
Condition: After $20,000 in purchases in a calendar year
Every few years
One statement credit of up to $120 every 4 years for the Global Entry, TSA PreCheck or NEXUS application fee charged to the card.
Perks 8
Benefits you use rather than credits that post to your statement.
2 one-time United Club passes deposited after account opening and every 12 months thereafter.
First standard checked bag free for the primary cardmember and one companion on the same reservation on United-operated flights, when the ticket is bought with the card and your MileagePlus number is on the booking (no purchase needed for flights in the first 90 days after account opening).
Group 2 boarding for the cardmember and companions on the same reservation.
12 months of free DashPass when first activated between 2/1/2025 and 12/31/2027, then it renews at the monthly rate unless you cancel.
Three months of free Instacart+ when activated by 12/31/2027, then 25% off the $99 annual rate through 12/31/2027 when paid with the card.
At least 10% fewer miles on United award flights for the primary cardmember (at least 15% with Premier status); not for Money + Miles.
25% back as a statement credit on United inflight food, drinks and Wi-Fi and on United Club premium drinks paid with the card, including authorized users.
A primary cardmember with MileagePlus Premier status flying on an award ticket, plus one companion on the same reservation, can get complimentary Premier upgrades on select United and United Express flights when available.
Also included
- 1 PQP per $20 spend (up to 1,000 PQP per year)
- No foreign transaction fees
- Primary rental car coverage and trip delay insurance
Before you apply
Chase’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Chase usually declines you if you’ve opened 5 or more personal cards from any bank in the last 24 months. This applies to almost every Chase card, personal and business. How 5/24 works
Usually no more than 2 new personal Chase cards in 30 days. A third application within 30 days is usually declined, and you still take the hard pull.
Usually just one new Chase business card in 30 days. A second business application within 30 days is usually declined.
Never miss one of these credits
Add the United Explorer to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.