United℠ Explorer Card vs. Bank of America® Customized Cash Rewards
Side-by-side comparison · Updated 2026 · Independently reviewed
United℠ Explorer Card
Chase
4.2
Free 1st + 2nd checked bags. 60,000-mile bonus. 2x on United, dining, hotel.
Full review →
Bank of America® Customized Cash Rewards
Bank of America
4.3
3% in your choice category. 2% at grocery/wholesale. No annual fee.
Full review →WealthSpott Verdict
Bank of America® Customized Cash Rewards wins on more measurable categories — particularly annual cost. United℠ Explorer Card may still win for your wallet depending on your spending patterns.
Feature
United℠ Explorer Card
Bank of America®
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 miles
$200
Rewards Rate
1x-2x
1%-3%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
0% for 15 billing cycles
Regular APR
22.49%-29.49% Variable
19.24%-29.24% Variable Best
Foreign Transaction Fee
None Best
Yes
Recommended Credit Score
670-850
670-850
United℠ Explorer Card
Pros
- Free first and second checked bags on United
- 60,000-mile sign-up bonus
- Two United Club passes per year
- 2x on United, dining, and hotels
Cons
- $95 annual fee
- Miles tied to United/Star Alliance
- Standard 1x earning on non-bonus purchases
Bank of America® Customized Cash Rewards
Pros
- 3% on your choice category (gas, dining, online, etc.)
- 2% at grocery stores and wholesale clubs
- No annual fee
- Boostable with Preferred Rewards (up to 75%)
Cons
- 3% foreign transaction fee
- 3% choice category caps at $2,500/quarter
- Must actively choose your category
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