United℠ Explorer Card vs. Capital One Quicksilver Secured 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 →
Capital One Quicksilver Secured Cash Rewards
Capital One
4.5
1.5% cash back on every purchase. No annual fee. $200 minimum deposit.
Full review →WealthSpott Verdict
United℠ Explorer Card and Capital One Quicksilver Secured Cash Rewards are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
United℠ Explorer Card
Capital One Quicksilver
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 miles
None
Rewards Rate
1x-2x
1.5% on all purchases
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
None
Regular APR
22.49%-29.49% Variable Best
29.99%
Foreign Transaction Fee
None
—
Recommended Credit Score
670-850
No credit or rebuilding
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 Quicksilver Secured Cash Rewards
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