Chase United℠ Explorer Card
Co-branded United Airlines card offering free checked bags, priority boarding, United Club passes, and over $500 in annual credits (United travel, hotels, rideshare, Instacart). Strong United ecosystem benefits including award flight discounts and 25% back on inflight purchases. Enhanced March 2025 with new credits offsetting $150 annual fee. Best for frequent United flyers who can use diverse credit categories.
Trackable Benefits (8)
These are the annual credits, statement credits, and perks that our platform tracks and reminds you about. For complete details on all card benefits including travel protections, purchase protections, and points earning rates, check the official card page for the most up-to-date information.
Instacart Monthly Credit
$10/month Instacart credit - expires 12/31/2027.
Receive $10 Instacart credit each month with active Instacart+ membership. Credit issued at beginning of each month, expires at end of month. Must enroll card at instacart.com/p/chase-united. Includes 3 complimentary months of Instacart+ membership upon activation. Available through December 31, 2027. Minimum $10 purchase required per order.
- • Enroll at instacart.com/p/chase-united with your United Explorer card.
- • Credit loads automatically at beginning of each month, expires at month end.
- • Must pay with enrolled card at checkout (not digital wallets).
- • Minimum $10 order required to use credit.
- • TIME-LIMITED: Expires 12/31/2027 - unclear if will be renewed.
Rideshare Monthly Credit
$5/month rideshare credit ($60/year) - annual enrollment required.
Receive up to $5 back as a statement credit each month on rideshare purchases when you pay with your card, up to $60 each calendar year. Must enroll each calendar year through Chase app or by phone. Enrollment starts benefit the day after enrollment through end of calendar year. Credits post within 6-8 weeks (though reports show same-day posting).
- • CRITICAL: Must re-enroll every January - enrollment doesn't carry over.
- • Enroll through Chase app or call number on back of card.
- • Works for both Uber and Lyft rides.
- • Some users report same-day credit posting (official timeline is 6-8 weeks).
Global Entry / TSA PreCheck Credit
Statement credit for GE ($120), TSA PreCheck ($78-85), or NEXUS every 4 years.
Credit toward Global Entry ($120), TSA PreCheck ($78-85), or NEXUS application fee. Renewals eligible within the program window. Credit posts as statement credit when application fee charged to card.
- • Global Entry includes TSA PreCheck and works for international travel.
- • Apply early in your 4-year window as approval can take months.
- • NEXUS is cheaper but requires Canada border crossing eligibility.
United Hotels Credit
$100 annual hotel credit ($50 each for 1st and 2nd stays).
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels, up to $100 each anniversary year. Must book through united.com. Credits post within 6-8 weeks.
- • Book through united.com, not third-party sites - only United Hotels bookings qualify.
- • Prepaid reservations required - flexible/pay-at-hotel rates don't qualify.
- • Use for your 1st and 2nd hotel stays each year to maximize $100.
- • Earn 5X United miles PLUS $50 credit on each qualifying booking.
Avis/Budget Car Rental Credit
$50 Avis/Budget credit ($25 each for 1st and 2nd rentals).
Receive $25 in United TravelBank cash for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com, up to $50 each anniversary year. TravelBank cash delivered to MileagePlus account.
- • Book through cars.united.com, not directly with Avis/Budget.
- • TravelBank cash never expires - can save for future flights.
- • Use for your 1st and 2nd car rentals each year to maximize $50.
$100 United Travel Credit
$100 United TravelBank cash.
Earn $100 in United TravelBank cash each calendar year. TravelBank cash can be used toward future flights on United or United Express. Credit delivered within 6-8 weeks after meeting spend requirement. Limit one credit per calendar year.
- • TravelBank cash never expires and can be combined with miles for bookings.
- • Track your spend progress - need $10k in purchases by Dec 31 each year.
- • Credit posts within 6-8 weeks after hitting $10k threshold.
JSX Flight Credit
$100 annual JSX flight credit.
Receive up to $100 statement credit annually on JSX flight purchases booked directly with JSX. JSX operates semi-private flights on 30-seat jets from private terminals. Resets each anniversary year.
- • JSX operates in limited markets - check jsx.com for routes.
- • Semi-private flights with streamlined boarding from private terminals.
- • Great for short regional routes where JSX operates.
United Club Passes
2 one-time United Club passes annually.
Receive 2 United Club one-time passes each anniversary year. United Club lounges offer complimentary snacks, beverages, and comfortable seating at major airports. Each pass is valid for a single visit and includes one companion. Passes deposited to MileagePlus account within 4 weeks of anniversary.
- • Each United Club day pass is valued at $59 if purchased separately (~$118 total annual value).
- • Passes reset on your card ANNIVERSARY, not calendar year.
- • Save these for long layovers, flight delays, or important travel days.
- • Each pass includes one companion - bring your travel partner for free.
Other Notable Benefits
The following benefits are included with this card but are not tracked by our platform (no expiration dates or usage limits to monitor).
- ✈️7X miles on United flights
- 🏨5X miles on hotel stays via United Hotels
- ✈️2X miles on all other United purchases
- 🏨2X miles on hotel stays (booked direct)
- 🍽️2X miles on dining (restaurants + delivery)
- 💳1X mile on all other purchases
- 🧳Free first checked bag for you + 1 companion (up to $160/trip)
- 🎫Priority boarding on United flights
- 🍔25% back on United inflight purchases (food, drinks, WiFi)
- ✈️10,000-mile award flight discount after $20k annual spend
- 💰Save avg 30% in miles on award flights vs non-cardholders
- 🌍No foreign transaction fees
- ☎️24/7 concierge services
The estimated annual values shown are conservative estimates based only on the trackable benefits our platform manages (annual credits, statement credits, and recurring perks).
Not included in our estimates:
- • Sign-up bonuses and welcome offers
- • Points earning multipliers and redemption value
- • Travel protections (trip insurance, baggage delay, rental car coverage)
- • Purchase protections (extended warranty, price protection, return protection)
- • Cell phone protection and other insurance benefits
- • Transfer partner value and premium redemptions
The actual value you get from premium cards is often significantly higher than our estimates. We track what's trackable - credits and perks with expiration dates - so you never leave money on the table.
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