Citi
Citi / AAdvantage Platinum Select World Elite Mastercard
Similar Travel profile with a different fee and perk mix.
$99No listed bonus
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United Explorer Card
Useful for United flyers who will use the free checked bag, priority boarding, and stronger miles offer.
Last verified May 8, 2026. Confirm live issuer terms before applying.
Bottom line
Worth a closer look if the benefits fit your routine
- Best fit
- Best fit if travel and dining is already in your budget and you can route about $1,000/mo of normal spend.
- Watch out
- $150 fee only works if the benefits are useful without changing your spending behavior.
Bonus ROI
27%
Welcome bonus on required spend
Annual fee
$150
Annual card cost
Credit needed
Good+
Issuer approval tier
Required spend
$3,000 / 3 mos
Welcome-offer threshold
Travel
3x
Eligible United purchases; 2X on hotel stays booked with the hotel.
Dining
2x
General spending
1x
Credits And Perks
What actually offsets the fee
$120 Instacart Credits
~$120/yrReceive up to $120 in Instacart credits each calendar year for eligible Instacart purchases.
$100 United Travel Credit
~$100/yrEarn a United travel credit after spending $10,000 with the card within a calendar year.
$100 United Hotels Credits
~$100/yrReceive up to $100 back as statement credits on eligible prepaid United Hotels stays.
$100 JSX Credits
~$100/yrReceive up to $100 back as statement credits each anniversary year on eligible JSX flights.
7 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
Chase
United Quest Card
Similar Travel profile with a different fee and perk mix.
$350$1,000 bonus
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