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kardfolio

Credits by reset window

Open a row for its terms. Each amount is the most the credit is worth in one period.

Monthly

2 credits

Rideshare Credit$5 a month

$5 monthly for eligible rideshare purchases after enrollment, paid with the card.

Instacart Credit$10 a month

$10 monthly in one credit after activating the Chase Instacart+ offer; one offer per household.

Terms end on January 1, 2028.

Yearly

1 credit

Spend-Earned United Travel Credit$100 a year

$100 TravelBank cash after $10,000 in calendar-year purchases. Unused cash expires 12 months after its issue date. Expires 12 months after issuance.

Yearly

3 credits · by card year

JSX Credit$100 a year

Book directly with JSX and pay with the card. The allowance resets each card year.

United Hotels Credit$100 a year

$50 for each of the first two prepaid United Hotels stays of $50 or more per card year. Pay directly with the card.

United Club Pass Credit2 passes a year

Two United Club passes after account opening and each card anniversary. Each pass expires on its printed date; eligible same-day travel is required. Expires on the date printed on each certificate or pass.

Every 4 years

1 credit · after each use

Global Entry, TSA PreCheck or NEXUS Credit$120 every 4 years

Up to $120 every four years for an eligible application paid with the card.

Earned through spending

1 award

Award Flight Discount1 award flight discount a year

Earn one 10,000-mile award flight discount after $20,000 in net calendar-year purchases. Limit one spend-earned discount per calendar year.

Spend $20,000 with your United SM Explorer Card on Purchases in a calendar year and earn one 10,000-mile award flight discount

Expires 12 months after it is issued.

$480 a year, before anything is used.

Counts the credits with a yearly dollar amount.

$15 ends every month. $100 ends once a year.

Credits with calendar reset dates. Each ring is a day a credit ends, whether or not it was used.

  • MonthlyRideshare Credit, Instacart Credit
    $15 every month
  • YearlySpend-Earned United Travel Credit
    $100 once a year

2026 amounts from the kardfolio catalog, before anything is used. Not drawn, since they reset by card year: JSX Credit, United Hotels Credit, United Club Pass Credit.

How this card earns

  1. 3 miles per dollar:
    United Airlines
    United Card Events
  2. 2 miles per dollar:
    Dining
    Sit-down or eat-in restaurants, including fast food and fine dining.
    HotelsBook direct
    Direct hotel and motel accommodation purchases, including qualifying inns and bed-and-breakfasts.
  3. 1 miles per dollar:

    Everything else

Protections and other benefits

17 benefits
  • United Inflight and Club PurchasesGet 25% back on eligible United inflight food, beverages and Wi-Fi, and United Club premium drinks paid with the card.
  • Priority BoardingThe cardholder and companions on the same reservation receive priority boarding on eligible United flights.
  • Award Flight PricingReceive cardholder pricing and expanded availability on eligible United award flights when signed into MileagePlus.
  • Award Ticket UpgradesEligible Premier members and one companion may receive complimentary upgrades on eligible United award tickets, subject to availability.
  • Concierge ServiceAccess concierge assistance for travel, dining and purchases; the cardholder pays for purchased goods and services.
  • Free Checked BagsThe cardholder and one companion get the first standard checked bag free on eligible United flights paid with the card.
  • Premier Qualifying PointsEarn 1 PQP per $20 in eligible purchases, up to 1,000 PQP per calendar year.
  • Auto Rental CoverageCoverage for eligible rental-car theft and collision damage after paying with the card and declining agency coverage.
  • Purchase ProtectionCoverage for eligible new purchases against damage or theft, subject to the benefit guide limits.
  • Extended Warranty ProtectionExtends eligible manufacturer warranties, subject to the benefit guide limits.
  • Baggage Delay InsuranceReimbursement for eligible essentials when checked baggage is delayed, subject to the benefit guide limits.
  • Lost Luggage ReimbursementReimbursement for eligible lost or damaged baggage, subject to the benefit guide limits.
  • Trip Delay ReimbursementReimbursement for eligible meals and lodging after a covered travel delay, subject to the benefit guide limits.
  • Trip Cancellation and Interruption InsuranceReimbursement of eligible prepaid travel costs for covered cancellation or interruption.
  • Instacart+Activate by December 31, 2027 for three months free, then 25% off the annual rate. Terms and service fees apply.
  • Avis or Budget Travel Credit$25 per eligible rental, $50/year: first two Avis/Budget rentals of 2+ days via MileagePlus Travel. Posts in 6-8 weeks; expires 12 months after issue.
  • United Annual Travel CreditReceive $100 per anniversary year after seven United travel purchases of $100+ each, including eligible fees. The statement credit posts within 24 hours.

Track it only when it belongs to you.

kardfolio starts from cards you choose. What you have used this month stays in your account.

Track this card
Last checked
October 4, 2026
Foreign transaction fee
None

Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced