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United Explorer Card
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United Club Card
Best for frequent United flyers who can justify the fee through United Club access, checked bags, and partner credits.
Last verified May 8, 2026. Confirm live issuer terms before applying.
Bottom line
Strong fit if your spend and credits line up
- Best fit
- Best fit if travel and dining is already in your budget and you can route about $1,667/mo of normal spend.
- Watch out
- $695 fee only works if the benefits are useful without changing your spending behavior.
Bonus ROI
22%
Welcome bonus on required spend
Annual fee
$695
Annual card cost
Credit needed
Excellent
Issuer approval tier
Required spend
$5,000 / 3 mos
Welcome-offer threshold
Travel
5x
Eligible United purchases; 2X on other travel; 5X on eligible Renowned Hotels and Resorts stays.
Dining
2x
Other
2x
Travel purchases outside United.
General spending
1x
Credits And Perks
What actually offsets the fee
$240 Instacart Credits
~$240/yrReceive up to $240 in Instacart credits each calendar year for eligible Instacart purchases.
$200 Renowned Hotels and Resorts Credit
~$200/yrReceive up to $200 back as statement credits on eligible prepaid Renowned Hotels and Resorts stays.
$200 JSX Credits
~$200/yrReceive up to $200 back as statement credits each anniversary year on eligible JSX flights.
$150 Rideshare Credits
~$150/yrEnroll to receive up to $150 back as statement credits each calendar year on eligible rideshare purchases.
6 recurring credits found in the current dataset.
Issuer Offer
Check the live terms before applying
Confirm the welcome offer, annual fee, credits, and eligibility rules on the issuer site.
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Pressure-test this card against real alternatives
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United Quest Card
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