Total Benefit Value
$645/yr
Annual Fee
$150
Avg Left on Table
$434/yr
The average United Explorer Card holder leaves $434/yr on the table
Based on typical usage rates across 9 benefits. Your number could be higher or lower.
Welcome Bonus
70,000points/miles
Spend $3,000 in 3 months · est. $910 value
All Benefits (9)
Statement Credits
Instacart Credit
$10/mo Instacart credits
Enrollment required: Activate through Chase
$120/yr
monthly
Global Entry / TSA PreCheck CreditHidden
$120 every 4 years for Global Entry/TSA PreCheck
$30/yr
multi_year
In-Flight Purchase Credit
25% back on United in-flight food, drinks, WiFi
$50/yr
ongoing
Insurance & Protection
Car Rental Loss & Damage InsuranceHidden
Secondary domestic, primary international. Up to $60,000.
$100/yr
ongoing
Trip Cancellation/Interruption InsuranceHidden
$1,500 per person, $6,000 per trip
$50/yr
ongoing
Purchase ProtectionHidden
$10,000 per item, 120 days
$75/yr
ongoing
Travel Perks
Free Checked Bag
First checked bag free for cardholder + 1 companion ($35/bag × 2 people × 2 flights)
$140/yr
ongoing
Priority Boarding
Group 2 priority boarding on United flights
$30/yr
ongoing
Account Perks
No Foreign Transaction Fees
No foreign transaction fees
$50/yr
ongoing
Earning Rates
| Category | Rate |
|---|---|
United purchases Plus 5x MileagePlus = 7x total on United flights | 2x |
Dining | 2x |
Hotels | 2x |
All other purchases | 1x |
4 Hidden Benefits Most People Miss
- Global Entry / TSA PreCheck Credit — $30/yr
- Car Rental Loss & Damage Insurance — $100/yr
- Trip Cancellation/Interruption Insurance — $50/yr
- Purchase Protection — $75/yr
How much are you leaving on the table?
Select all your cards and see your personal Gap — the total dollar value of benefits you're not using.
See Your Gap — It's FreeNo bank login required. Takes 30 seconds.