Wells Fargo Reflect® vs. United℠ Explorer Card
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 →WealthSpott Verdict
Wells Fargo Reflect® wins on more measurable categories — particularly annual cost. United℠ Explorer Card may still win for your wallet depending on how you spend.
Feature
Wells Fargo Reflect®
United℠ Explorer Card
Annual Fee
$0 Best
$95/yr
Sign-up Bonus
None
60,000 miles
Rewards Rate
0%
1x-2x
Rewards Type
None
Miles
0% Intro APR
0% intro APR for up to 21 months
N/A
Regular APR
18.24%-29.99% Variable Best
22.49%-29.49% Variable
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
670-850
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
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
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