Both the Chase United Club Infinite and the Chase United Explorer are suited to travelers who are loyal to the United brand but the rewards rates, annual fees and travel perks for these cards differ. This means it’s important to compare the Chase United Club Infinite and Chase United Explorer features and benefits to determine which card best suits your needs.

For instance, for United purchases, the Chase United Infinite can earn you up to four miles per dollar while the Chase United Explorer earns you two miles per dollar. However, the United Explorer has a much smaller annual fee at $95 (waived the first year) compared to the United Club Infinite at $525.

Comparison Overview: Chase United Club Infinite vs. Chase United Explorer

  • Chase United Club Infinite
    Chase United Explorer
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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Chase United Club Infinite At a Glance

The United Club Infinite Card earns four miles per dollar spent on United purchases, two miles per dollar on dining and one mile per dollar on all other eligible purchases. United Club Infinite cardholders also get complimentary access to all United Club locations and eligible Star Alliance lounges worldwide. You also get two free checked bags and priority check-in, screening, boarding, and baggage handling. This means that if you’re a frequent traveler the perks and rewards on the Chase United Club Infinite can quickly offset the $525 annual fee.


  • Chase United Club Infinite

    An excellent card for earning United’s MileagePlus miles


    • ExcellentCredit Needed
    • $525Annual Fee
    • 1–4 Miles per $1*Rewards Rate
    • 4xRewards Rate on Air Travel
    • 2xRewards Rate at Hotels

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Chase United Explorer At a Glance

The United Explorer has a modest $95 annual fee that suits a United loyalist who wants solid credit card rewards without hefty annual fees. With this card, you will earn two miles per dollar on United purchases, dining and hotel stays. You will also earn one mile per dollar on all other purchases. Chase United Explorer cardholders also enjoy priority boarding, a free checked bag and 25% back on food, beverages and Wi-Fi purchased on United flights.


  • Chase United Explorer

    A good miles-earning rewards credit card with some perks and no foreign transaction fees


    • Good-ExcellentCredit Needed
    • $95Annual Fee
    • 1–2 Miles per $1*Rewards Rate
    • 2xRewards Rate on Air Travel
    • 2xRewards Rate at Hotels

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Comparison Summary

MoneyGeek’s Chase United Club Infinite vs Chase United Explorer comparison outlines the key features that differentiate these two United cards.

  • Card Detail
    Comparison Summary
  • Travel Coverage and Purchase Protection

    The Chase United Club Infinite card can reimburse you up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses for canceled trips.

    The United Explorer will reimburse you up to $1,500 per person and $6,000 per trip. Both cards offer purchase protection for 120 days of up to $10,000 per claim and $50,000 per year.

    Winner: Chase United Club Infinite

  • Welcome Bonus

    You can earn 60,000 reward miles with the Chase United Explorer if you spend $3,000 on purchases in the first three months.

    The United Club Infinite card has 100,000 bonus miles for cardholders who spend $5,000 on purchases in the first three months.

    Winner: Chase United Club Infinite

  • Rewards

    The Chase United Club Infinite earns you four miles per dollar on United purchases, two miles per dollar on dining and all other travel-related purchases and one mile per dollar on all other purchases.

    The United Explorer earns two miles per dollar on United purchases, dining and hotel stays and one mile per dollar on all other purchases.

    Winner: Chase United Club Infinite

  • Annual Fee

    The Chase United Explorer has a $0 intro annual fee for the first year, then a $95 fee yearly.

    The Chase United Club Infinite has a $525 annual fee.

    Winner: Chase United Explorer

  • Loyalty Programs

    Both the United Club Infinite and the United Explorer offer premier upgrades on award tickets.

    However, the United Club Infinite has more travel perks including Platinum Elite status with IHG Rewards.

    Winner: Chase United Club Infinite

Which Card Should You Get?

If you are a United traveler, choosing between the Chase United Club Infinite or Chase United Explorer will come down to your specific needs and spending habits.

Who Should Consider the Chase United Club Infinite?

The Chase United Club Infinite has a $525 annual fee, but for travelers looking for a premium airline card with plenty of perks, this card offers great value. You may want to choose this card if:

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    You travel frequently with United since you can easily rack up reward miles at a generous 4 miles per dollar spent on United flights and purchases.

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    If you are already a United Club member, you’ll receive a refund for the unused portion of your membership fee.

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Who Should Consider the Chase United Explorer?

The Chase United Explorer offers plenty of rewards and perks for the United traveler and will make a good choice if:

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    You’re a United traveler looking for generous rewards and low annual fees. There is no annual fee for the first year, then a $95 annual fee thereafter.

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    You do not travel frequently but still want to take advantage of rewards offered on flights, hotel stays and other travel-related expenses.

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EXPERT OPINION

One of these cards is not better than the other. Each card offers benefits for a specific type of traveler, so it’s important to select the card based on future travel plans. If you plan on traveling regularly and want a luxury experience, the Chase United Club Infinite is likely your best bet. However, if you only occasionally travel and want to earn rewards for a free flight here-and-there, the Chase United Explorer is a solid pick.

Other Helpful Decision-Making FAQs

If you’re still not sure whether to choose the Chase United Club Infinite or Chase United Explorer, you can find more information in the answers to frequently asked questions.

Still Not Sure About These Cards? Consider These Options

The Chase United Club Infinite offers great value for the frequent United traveler looking for generous rewards and premium perks. However, for those who travel less frequently, the Chase United Explorer may be a better deal. If you are not loyal to any particular airline and need a more flexible card, travel cards like the Chase Sapphire Reserve may be a better option.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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