Rental car insuranceDecline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.Carried by 186 of 581 cards in the catalog
Chase
United℠ Explorer Card
$150 a yearEverything this card owes you
4statement credits
$380at face value, a year
16protections included
3spend categories that earn extra
0 of those 4 credits pay nothing until they are activated.
Instacart credit$120
United hotels credit$100
Jsx flight credit$100
Rideshare credit$60
What the number is made of
Your card carries $380 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
CreditJFMAMJJASONDWould you use it?
Instacart credit$120face value$0you get backresets once a yearshared
United hotels credit$100face value$0you get backresets once a yearshared
Jsx flight credit$100face value$0you get backresets once a yearshared
Rideshare credit$60face value$0you get backresets once a yearshared
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$150Charged in full, every year, whether you collect or not.
Your effective annual fee$150What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
7 protections included on this card
Rental car insuranceDecline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.Carried by 186 of 581 cards in the catalog
Purchase protectionCovers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.Carried by 146 of 581 cards in the catalog
Extended warrantyExtends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.Carried by 178 of 581 cards in the catalog
Travel & emergency assistanceWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.Carried by 342 of 581 cards in the catalogWhat you get in
Access and status
9 access and status perks on this card
Before the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 0 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 4 credit values on this page reconcile to the published catalog total of $380. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.
Put it against another card