United Explorer Card cashback rate, cap and annual fee
United Explorer Card pays 3% at United purchases, 2% at hotels booked directly with the hotel, 2% on dining and 1% on everything else. The card costs USD 150 a year.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Chase · United States · catalogue v103
Read from Chase's own published terms on 15 Oct 2026.
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| United purchasestravel | 3.00% | —3 miles per $1 on United purchases: tickets, upgrades, Economy Plus, inflight food, drink and Wi-Fi, bag fees and other United fees, and United Card E |
| hotels booked directly with the hoteltravel | 2.00% | —2 miles per $1 on hotel stays booked directly with the hotel. |
| dining | 2.00% | —2 miles per $1 on dining, including eligible delivery services. |
| everything else | 1.00% | —1 mile per $1 on all other purchases. |
Questions people ask
What cashback does the United Explorer Card pay?
3% at United purchases, 2% at hotels booked directly with the hotel, 2% on dining and 1% on everything else.
Is there a cap on the United Explorer Card?
No monthly cap is published on the rates shown here.
What is the annual fee on the United Explorer Card?
USD 150 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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