Chase · personal · visa
United Explorer
The workhorse United card: a free first checked bag and two Club passes justify the $150 (waived year one) if you fly United even a couple times a year. Skip if you rarely leave your home airline.
Current public offer
Up to 60,000 bonus miles after $3,000 spend in 3 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $150 ($0 intro first year, then $150)
- Suggested credit: Good / Excellent (690+)
- No foreign transaction fee ✓
Earning
- 2x Dining
- 9x United flights, 3x other United, 2x hotels
- 1x everything else
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.