میں واقعی یونائیٹڈ ایکسپلورر کی تبدیلیوں سے پریشان کیوں نہیں ہوں

میں واقعی یونائیٹڈ ایکسپلورر کی تبدیلیوں سے پریشان کیوں نہیں ہوں

ADVERTISEMENTNewsWhy I’m actually not upset about the United Explorer’s changesOlivia MittakOlivia MittakCredit Cards EditorOlivia Mittak is a credit cards editor at TPG. She specializes in maximizing earn for points and miles, finding the best welcome bonuses and choosing the right credit cards for your wallet.April 17, 2025•6 min readThe cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view ouradvertising policy andproduct review methodology for more information.When many credit card enthusiasts hear "credit card refresh," the typical reaction is an exasperated sigh as thoughts of higher annual fees and more complicated benefits come to mind. That's exactly how I reacted when I heard that Chase was overhauling its slate of United cards.I have the United℠ Explorer Card (see rates and fees). I loved how simple its benefits were and its reasonable annual fee. I knew Chase would inevitably increase this card's annual fee during this refresh, but that it'd also add new perks to help justify that.The big question was what these new benefits would be and whether they'd be useful to me. Now that I've had a chance to sit with the updated United Explorer for a little while, here's why I'm not upset about its changes.My favorite benefits are still the sameOne of the worst feelings as a credit card enthusiast is when one of my favorite card benefits goes away. That's especially true when that benefit is essential to justifying that card's annual fee.When I applied for the United Explorer last year, I knew I could get positive value from its annual fee because of two perks: two United Club passes every account anniversary and my first checked bag free.United Club ORD B18. CAROLINE TANNER/THE POINTS GUYMy biggest fear with the United Explorer's refresh was that Chase would limit or remove these benefits. My home airport is Portland International Airport (PDX), and it's severely lacking on the lounge front. One of the only lounges it has is a United Club.I can use a United Club pass when flying any Star Alliance airline, not just United Airlines. That means I'm not restricted to booking with United if I want lounge access at PDX. I took advantage of this when I flew Air Canada over Christmas; enjoying complimentary food and Wi-Fi in a lounge was much better than sitting at the gate. If I lost United Club access, I'd be sorely disappointed.Additionally, I plan to use my Explorer's free checked bag perk for a trip home this summer and to Germany in the fall. That's a big part of why I opened this card last year.Thankfully, both of these benefits survived the refresh. United Club one-time passes cost $59 each, while United charges $35 for a checked bag for noncardholders. If I use both of my United Club passes and check a bag on a round trip once a year, I can cover the cost of my card's new $150 annual fee with a little to spare.*Daily NewsletterReward your inbox with the TPG Daily newsletterJoin over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG’s experts*The United Explorer has a $0 introductory annual fee for the first year.I use ride-hailing services oftenI live in a city and don't own a car, so I'm happy that my United Explorer now offers up to $60 every calendar year on ride-hailing services (enrollment is required each year).While I try my best to walk wherever I can, anyone who's lived in the Pacific Northwest knows the threat of rain is always looking over your shoulder. There are many times when I need to use a ride-hailing service, both at home and abroad.DUKAI PHOTOGRAPHER/MOMENT/GETTY IMAGESWith this credit, I can receive up to $5 as a statement credit each month. I'm not the biggest fan of this being a monthly perk rather than a flexible spend-as-you-need-it-style credit.That said, since I use ride-hailing services fairly often, it shouldn't be hard for me to use this benefit every month. I'm glad Chase opted not to restrict this credit to Lyft since sometimes I get better fares with Uber. I plan on trying this credit out with Uber Eats as another redemption method in case I need to use my credit in a pinch.I use Instacart at least once a monthOne thing about me: Grocery shopping is not one of my favorite things to do. Thankfully, grocery delivery services let me get that chore done without leaving my home.My newly refreshed United Explorer offers up to $120 each year in credits for Instacart purchases. Like the ride-hailing credit, this benefit is given out monthly in up to $10 increments. An active Instacart+ membership is required, but I can get a complimentary three-month subscription through my card (activate by Dec. 31, 2027).Since I already order grocery delivery more often than not, Instacart+ will continue to be useful beyond my complimentary subscription. However, if you have to go out of your way to place online grocery orders every month, I don't recommend factoring this credit into the value you'd get from the Explorer.INSTACART/FACEBOOKWith the price of groceries rising, any discount I can get is appreciated. I like that this credit can be applied to any order of $10 or more. It helps make up for some of the flexibility that's lost by this being a monthly benefit. I can use this to cut the cost of anything from a quick and simple order to a week's worth of groceries.Bottom lineThankfully, my worries about the United Explorer's refresh didn't come to pass. I still have several great reasons to keep it in my wallet.If I check a bag on a round trip at least once and use both of my United Club passes and the ride-hailing and Instacart credits, I'll net $368 in value from this card each year, $218 more than its annual fee. Even if I don't use the credits as much as anticipated, I'll still come out on top from just the United Club passes and free checked bag.The United Explorer is a great card for me, but it isn't for everyone. If you don't use airport lounges, fly much or use ride-hailing services, you may have a hard time getting positive value out of it. If you fly with United or another Star Alliance airline at least a couple of times each year, this card can be a powerful addition to your wallet, even if its new statement credits aren't for you.To learn more, check out our full review of the United Explorer.Apply here: United Explorer CardFeatured image by ROCKAA/GETTY IMAGESEditorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.TPG featured cardBest for businesses with high spendingCapital One Venture X BusinessApply for Capital One Venture X BusinessTerms & restrictions apply. 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More DetailsLIMITED-TIME OFFER: Earn up to 400K bonus miles: 200K miles when you spend $30K in the first 3 months, and an additional 200k miles when you spend $150k in the first 6 monthsEarn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictionsEarn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business TravelWith no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewardsEmpower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with easeRedeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programsEvery year, you'll get 10,000 bonus miles after your account anniversary date. 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See rates & feesBest for businesses with high spendingCapital One Venture X BusinessTPG Editor‘s RatingOpen Editors ratingCard Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.4.5 / 5Go to reviewRewards Rate2X miles2 miles per dollar on every purchase5X miles5 miles per dollar on flights and vacation rentals booked through Capital One Business Travel10X miles10 miles per dollar on hotels and rental cars booked through Capital One Business TravelIntro OfferOpen Intro bonusEarn 200K miles when you spend $30K in the first 3 months, and an additional 200K miles when you spend $150K in the first 6 monthsLIMITED-TIME OFFER: Earn up to 400K bonus milesAnnual Fee$395Recommended CreditOpen Credit score descriptionCredit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.740-850ExcellentWhy We Chose ItThe Capital One Venture X Business Card has all the Capital One Venture X Rewards Credit Card has to offer and more. It offers an incredible welcome bonus and requires an equally impressive spend to qualify. In addition, the card comes with premium travel perks like annual travel credit.View MorePros + consMore DetailsProsThe Capital One Venture X business card has a very lucrative welcome offer.In addition, the card comes with many premium travel perks such as an annual $300 credit for bookings through Capital One Business Travel.Business owners are also able to add employee cards for free.ConsThe card requires significant spending to earn the welcome offer.Another drawback is that the annual travel credit can only be used on bookings made through Capital One Business Travel. 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