Chase / United · card facts

United Explorer

Includes two United Club one-time passes; $0 modeled first-year fee.

WELCOME BONUS60k milesSpend $3,000

ANNUAL FEE$150First year: $0

CREDITSHard$100/yr advertised

LOUNGE ACCESSUnited Club passesPass required per person

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$1,435

Welcome bonus · TPG est.+$750

Full advertised annual credits+$100

Rewards on $36,000 benchmark spend+$585

First-year annual fee−$0

Keep / year · best case credits

+$535

Definitely keep

This recurring estimate uses the full advertised credit amount. The Hard label tells you how realistic it may be to capture all $100 of those credits.

Advertised credits$100

Credit difficultyHard

TPG Aug. 2026 value1.25¢

Annual fee$150

Fee minus advertised credits$50 cost

Credit details

$100 advertised per year · Hard to use fully

Card creditsVaries · Varies difficulty

$100 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

United Club passes

Two one-time United Club passes each anniversary year.

Guest rulePass required per person

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.