United℠ Explorer Card vs. Capital One QuicksilverOne
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 →
Capital One QuicksilverOne
Capital One
4.4
1.5% cash back on every purchase. No annual fee.
Full review →WealthSpott Verdict
Capital One QuicksilverOne 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
Capital One QuicksilverOne
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 miles
None
Rewards Rate
1x-2x
1.5%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
22.49%-29.49% Variable
19.99%-29.99% Variable Best
Foreign Transaction Fee
None
None
Recommended Credit Score
670-850
580-740
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
Capital One QuicksilverOne
Pros
- Simple 1.5% on everything
- No foreign transaction fee
Cons
- No sign-up bonus
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