Chase United Club or Chase United Explorer?

Chase United Explorer returns $230 over its fee and Chase United Club returns $119, so the fee difference comes down to which categories you use.

Chase United ClubChase · $695 fee · 5 credits

Chase United ExplorerChase · $150 fee · 4 credits

NET VALUE+$119$814 credits

NET VALUE+$230$380 credits

CATEGORY	UNITED CLUB	UNITED EXPLORER
🌎Travel	$400	$200
🍽️Food & Dining	$240	$120
🚗Transportation	$144	$60
Lounge Access	United Club Membership	—
Total credits	$814	$380
Annual fee	$695	$150
Net value	+$119	+$230

CHASEChase United Club

FEE$695

CREDITS$814

NET+$119

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ADDITIONAL BENEFITS

LOUNGE ACCESS

United Club Membership

BEST NET VALUE

CHASEChase United Explorer

FEE$150

CREDITS$380

NET+$230

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TAKE THE UNITED CLUB IF

You use travel, food & dining, transportation.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.

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Frequently asked questions

Which is better, Chase United Club or Chase United Explorer?

The Chase United Explorer is better with $230 net annual value compared to the Chase United Club at $119. The Chase United Explorer wins by $111/year.

What's the difference between Chase United Club and Chase United Explorer?

The key differences: Chase United Club has a $695 annual fee and $814 in annual benefits, while Chase United Explorer has a $150 annual fee and $380 in annual benefits. The annual fee difference is $545.

Which has a lower annual fee, Chase United Club or Chase United Explorer?

The Chase United Explorer has a lower annual fee at $150 compared to the Chase United Club at $695. However, the Chase United Club offers $814 in total annual benefits.

Is the Chase United Explorer worth it compared to the Chase United Club?

Yes, the Chase United Explorer offers better value with $230 net annual value compared to $119 for the Chase United Club. It also has a lower annual fee.

Which card is better for travel?

The Chase United Club is better for travel with $400 in annual travel benefits compared to $200 for the Chase United Explorer.

Should I get the Chase United Explorer?

If you're deciding between the Chase United Club and Chase United Explorer, the Chase United Explorer is the better choice with $230 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.