United Explorer
Chase - Visa
Annual fee
$150
General spend
1.2%
Welcome bonus
$738 worth
What it pays
Dining2.5%
Everything else1.2%
Rates are the return per dollar. Points are valued at a conservative cents-per-point rate, so this card can be compared directly with cash back cards.
Before you apply
Typically needs good credit.
Chase 5/24 rule: Chase typically won't approve if you've opened 5 or more cards in the past 24 months.
Whether this card is worth its fee depends on your spend. The audit checks it against your own statement in a few minutes.
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