Chase United Explorer
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| United | 3x | 3.9% |
| Dining | 2x | 2.6% |
| Hotels | 2x | 2.6% |
| Everything else | 1x | 1.3% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (7)
Global Entry/TSA PreCheck Credit
Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS when charged to your card.
$10 Monthly Instacart Credit
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Up to $100 United Hotels Credits
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United Hotels with your United Explorer Card, up to $100 each anniversary year.
$100 United Travel Credit
Earn $100 in United TravelBank cash after you spend $10,000 on purchases each calendar year with your United Explorer Card. You can use United TravelBank cash toward future flights on United or United Express.
Up to $100 JSX Credits
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Explorer Card. JSX is a crowd-free hop-on jet service that offers you the perks of private jet travel without the private jet price tag.
$5 Monthly Rideshare Credit
Enroll to receive up to $5 back as a statement credit each month on rideshare purchases when you pay with your United Explorer Card, up to $60 each calendar year. Yearly opt-in is required.
Up to $50 Avis/Budget Credits
Receive $25 in United TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Explorer Card.
Status & Elite Perks (3)
Free First Checked Bag
Primary cardmember and one companion each receive first standard checked bag free on United-operated flights when primary cardmember includes MileagePlus number in reservation and purchases tickets with card.
2 United Club One-Time Passes
Two United Club one-time passes per year after account opening and each anniversary. Over a $100 value. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi and more.
United Priority Boarding
Primary cardmember and companions on same reservation get priority boarding on United-operated flights prior to general boarding.
Other (2)
25% Back on United Purchases
You will receive 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card.
10,000-Mile Award Flight Discount
Spend $20,000 with your United Explorer Card on purchases in a calendar year and earn one 10,000-mile award flight discount that can be used on eligible award travel on a United or United Express operated flight.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 12 Chase United Explorer benefits automatically — redemption progress, reset dates and expiry alerts.