Home » Travel » Chase Sapphire Preferred vs. United Explorer Card

Chase Sapphire Preferred vs. United Explorer Card

Chase Sapphire Preferred vs. United Explorer Card

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Oct 18, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

The Chase Sapphire Preferred® Card and the United℠ Explorer Card are two solid credit card choices for frequent travelers. You’ll probably want the first if you value flexibility and ease of redemption, and you’ll probably want the latter if you value United perks.

Let’s dig into the specifics so you can decide which one fits your travel style better.

In this article:

Chase Sapphire Preferred® Card vs. United℠ Explorer Card

Here’s how the cards stack up on everything from sign-up bonuses to travel perks and more:

Chase Sapphire Preferred® Card United℠ Explorer Card
Sign-up bonus Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®. 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
Rewards 2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide. Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Additional benefits 25% more value for points redeemed for travel via the Ultimate Rewards portal.

Transfer points to this card from some other Chase credit cards.

Trip cancellation/interruption, baggage delay and trip delay insurance.

Transfer points at a 1:1 value to to 10 airline partners and three hotel programs.

Terms apply.

The first checked bag is free for you and one companion.

25% back on United in-flight purchases.

Credit every four years for Global Entry or TSA PreCheck.

Two United Club one-time passes each account anniversary.

Baggage delay, lost luggage, trip cancellation/trip interruption and trip delay insurance.

Terms apply.

Annual fee $95 $0 intro for the first year, then $95
Foreign transaction fee $0 $0
Regular purchase APR 15.99% - 22.99% variable 16.49% to 23.49% variable

Chase Sapphire Preferred® Card pros and cons

Pros

Sign-up bonus. Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

Rewards. Earn 2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide.

When you redeem these points for travel through the Ultimate Rewards portal, they have 25% more value — so, instead of being worth 1 cent each, they will be worth 1.25 cents each. Additionally, from May 31, 2020 through April 30, 2021, cardholders can get 25% more value from their points when redeemed for statement credits to cover purchases in the following categories: grocery stores, dining (including restaurants, takeout and eligible delivery services) and home improvement stores, such as Home Depot and Lowes.

On top of that, if you have a card such as the Chase Freedom® or Chase Freedom Unlimited® as well as the Chase Sapphire Preferred® Card, you can transfer any cash back you earn on either of the two mentioned cards to the Chase Sapphire Preferred® Card as Ultimate Rewards points. Then, you can redeem points for travel at the higher value via the portal.

Chase Freedom Unlimited®

  •  
  •  
  •  
  •  
  •  
(225)
Apply Now

on Chase's secure site

  • 0% Intro APR for 15 months on purchases

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • 14.99% - 23.74% Variable

Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®

More Info

Chase Freedom® vs. Chase Freedom Unlimited®

Transfer points. One of the great things about the rewards you earn with the Chase Sapphire Preferred® Card is their flexibility. You can transfer points, including to United Airlines, to the following airline travel partners at a 1:1 value:

  • Aer Lingus, AerClub
  • British Airways Executive Club
  • Emirates Skywards®
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards®
  • United MileagePlus®
  • Virgin Atlantic Flying Club

You can also transfer points to the following hotel travel partners at a 1:1 value:

  • IHG® Rewards Club
  • Marriott Bonvoy™
  • World of Hyatt®

Cons

No lounge access. Despite being a popular travel card, the Chase Sapphire Preferred® Card doesn’t offer access to any airport lounges. If you’re looking for lounge access, you’ll like the United℠ Explorer Card’s perk of two one-time United Club passes or maybe consider the Chase Sapphire Reserve®, which comes with Priority Pass membership, although for a much higher annual fee of $550. Note, existing cardmembers who renew between July 1 and Dec. 31 will be charged a lower annual fee of $450.

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.

  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

Highlights
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.

See additional details for Chase Sapphire Reserve®

More Info

United℠ Explorer Card pros and cons

Pros

Rewards. Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases.

In addition to redeeming these miles for United flights, you can use them on Star Alliance™ and other partner airlines. You can also use them for hotel stays, car rentals and more.

Free checked bag. You and one traveling companion can each get a free checked bag on United-operated flights, as long as you’re on the same reservation and you’ve purchased the tickets with your United℠ Explorer Card. This is a value of up to $120 for two travelers on a round-trip flight.

United Club passes. This card comes with two one-time passes for United Club, which Chase’s website lists at a value of more than $100. United Club has more than 45 locations. With your passes you’ll get complimentary beverages, snacks, access to Wi-Fi and more.

Fee credit for Global Entry or TSA PreCheck. You can get a statement credit of up to $100 every four years for either Global Entry or TSA PreCheck when you charge the application fee to this card.

25% off United in-flight purchases. This includes purchases of food, beverages and Wi-Fi.

Cons

Takes a little more work to calculate the value. The monetary value of points used for travel via the Ultimate Rewards portal is pretty straightforward. With the United℠ Explorer Card, you have to do a little more work to figure out how far your miles can take you and how much value you’re getting from award travel.

However, United does offer a list of featured award flights that can help you get an idea of what it costs in points and dollars to book a flight (with the disclaimer that the prices are for round trips within the last 48 hours and may not be currently available). For example, at the time of writing this article, a one-way flight from New York to San Francisco was listed at a cost of 12,500 miles plus $81.

Which card is right for you?

If you fly United extensively, the United℠ Explorer Card offers an excellent value. For example, if you take full advantage of the free checked bag perk and the United Club passes each year, that’s worth up to $220, which is more than enough to recoup the annual fee of $0 Intro for the First Year, then $95.

However, where the Chase Sapphire Preferred® Card really shines is in the value of the Ultimate Rewards points it earns, along with the ease and flexibility in using them. If you’re not a devoted United customer, the Chase Sapphire Preferred® Card is probably the card you want in your wallet.

Does it ever make sense to carry both cards? Perhaps. You could book United flights on the United℠ Explorer Card to take advantage of its perks while using the Chase Sapphire Preferred® Card for everything else to earn Ultimate Rewards points. But keep in mind that by doing this, you wouldn’t be earning Ultimate Rewards points on a sizable chunk of your travel spending, and you’d have to recoup two annual fees rather than just one. For most travelers, it’s probably smarter and more convenient to pick one of the two cards.

The information related to the Chase Freedom® has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


Recommended Posts:

Read More

Credit Cards With Roadside Assistance

When you see the warning light come on in your car, it’s never a welcome sign. Or you may get a flat tire in the middle of nowhere in the dark of night or notice you’re running near empty without a gas station in sight — all panic-inducing situations. After pulling to the side of […]

Read More

November 6, 2019

Read More

How to Upgrade Air France Flights With Miles

Air France business class on its fleet of long-haul aircraft is delivered in a style you would expect from the country’s flag carrier, so why not upgrade if you have the miles in its Flying Blue loyalty program? The airline gives you several options on how to use your miles when it comes time for […]

Read More

April 25, 2019