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United Explorer Card
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United Quest Card
A better fit than Gateway if you fly United regularly and can use the card's travel credits, bags, and award-flight perks.
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 $1,333/mo of normal spend.
- Watch out
- $350 fee only works if the benefits are useful without changing your spending behavior.
Bonus ROI
25%
Welcome bonus on required spend
Annual fee
$350
Annual card cost
Credit needed
Good+
Issuer approval tier
Required spend
$4,000 / 3 mos
Welcome-offer threshold
Travel
4x
Eligible United purchases; 2X on other travel; 5X on eligible Renowned Hotels and Resorts stays.
Dining
2x
Streaming
2x
Select streaming services.
General spending
1x
Credits And Perks
What actually offsets the fee
$200 United TravelBank Credit
~$200/yrAutomatically receive United TravelBank cash after account opening and annually on the account anniversary.
$180 Instacart Credits
~$180/yrReceive up to $180 in Instacart credits each calendar year for eligible Instacart purchases.
$150 Renowned Hotels and Resorts Credit
~$150/yrReceive up to $150 back as statement credits on eligible prepaid Renowned Hotels and Resorts stays.
$150 JSX Credits
~$150/yrReceive up to $150 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
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