Jpmorgan Chase Bank, National AssociationNationwide

United Explorer Card

$150/yr

Purchase APR: 19.74%–28.24% APR
Foreign transaction fee: None
Intro APR: —
Targeted credit: Fair–Good (620–719) · Excellent (720+)

Issuer page ↗

Rewards rates

✈️3x Flights(United MileagePlus)3x miles on eligible United purchases (9x total on United flights incl. member miles)
🏨2x Hotels(United MileagePlus)2x miles on hotel stays booked with the hotel

Welcome offer

50,000 miles
after $3,000 spend in the first 90 days · 50,000 bonus miles after $3,000 spend in first 3 months (+10,000 for authorized user)

Statement credits

✈️$100 / yearAutomatic $100/yr statement credit on JSX flight purchases
🏨$100 / yearUp to $100/yr: $50 statement credit per prepaid United Hotels stay ($50+ min), 2 stays max
🧳$50 / year$25 United TravelBank credit per Avis/Budget rental via cars.united.com, $50/yr cap
🛒$10 / month$10/month Instacart credit (Instacart+ enrollment, $10 min order), $120/yr cap thru 12/31/27
🚇$5 / monthUp to $5/month statement credit on rideshare (enrollment required), $60/yr cap

APR & fees: CFPB Terms of Credit Card Plans survey (as of 2025-12-31). Rewards: issuer public pages (collected 2026-08-31) — every figure above appears verbatim in the source; terms shown may lag issuer changes.

Informational comparison only — not financial advice and not an offer of credit. We don't check your credit or guarantee approval. Confirm current terms with the issuer at www.chase.com.