United℠ Explorer Card vs. Wells Fargo Active Cash®
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 →
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
Wells Fargo Active Cash® 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
Wells Fargo Active
Annual Fee
$95/yr
$0 Best
Sign-up Bonus
60,000 miles
$200
Rewards Rate
1x-2x
2%
Rewards Type
Miles
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
22.49%-29.49% Variable
19.49%-29.49% 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
Wells Fargo Active Cash®
Pros
- 2% cash back on all purchases
- $200 sign-up bonus
- No annual fee
- 0% intro APR for 15 months
Cons
- 3% foreign transaction fee
- No bonus categories for heavy spenders
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