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Chase United Explorer
CHASEPERSONAL

Chase United Explorer

4 credits worth $380 at face value against an $150 annual fee. 2 of them pay nothing until you enroll.

UPDATED OCT 20264 CREDITS TRACKED2 NEED ENROLLMENT
ANNUAL FEE
$150/ year
Credits at face value$380
Break-even39%
Track these credits free →

Open the full Chase United Explorer calculator →

All 4 credits, by how often they reset

Monthly

2 CREDITS · $180 / YR
Rideshare Credit$5
12 × $5 = $60
ENROLL
Up to $5 back as a statement credit each month on rideshare purchases with your United Explorer Card, up to $60 each calendar year. Opt in each year.
Instacart Credits$10
12 × $10 = $120
MERCHANT CREDITENROLL
Get monthly Instacart credits with a complimentary Instacart+ membership, activated at instacart.com/p/chase-united. The amount depends on the card: United Club cards get two $10 credits a month, United Quest gets one $10 and one $5, and United Explorer and United Business get one $10. Credits don't roll over. Available through 12/31/2027.

Once a cardmember year

2 CREDITS · $200 / YR
United Hotels Credit$100
$100
AUTO
Up to $100 in statement credits per cardmember year — $50 automatically applied to each of your first two prepaid hotel stays booked through United Hotels at united.com/hotels.
JSX Credit$100
$100
AUTO
Up to $200 in statement credits annually when you make purchases directly with JSX throughout your card anniversary year.
THE PART PEOPLE MISS2 of 4 credits pay nothing until you enroll

That’s $180 of face value sitting behind a form. Enrollment is one-time per credit and never applies retroactively.

Instacart Credits$120
Rideshare Credit$60

All of them live in the Benefits section of your issuer’s website.

How it compares

Frequently asked questions

What is the Chase United Explorer annual fee?

The Chase United Explorer has an annual fee of $150. This is a personal credit card.

Is the Chase United Explorer worth it?

The Chase United Explorer offers $380 in annual benefits with a $150 annual fee, for a net value of $230. It can be worth it if you use the key benefits like Instacart Credits, United Hotels Credit, JSX Credit.

What benefits does the Chase United Explorer include?

The Chase United Explorer includes 4 benefits, including Instacart Credits ($120/year), United Hotels Credit ($100/year), JSX Credit ($100/year), Rideshare Credit ($60/year).