Bilt vs United Explorer
Bilt
$0/yr
7.5/10
VS
United Explorer
$150/yr
6.0/10
Quick Answer
Bilt charges no annual fee with 1X base rewards. United Explorer charges $150/yr with 1X base rewards. Bilt offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Bilt
Lower annual fee ($0 vs $150)
Rewards Earning
Bilt
4 earning categories
Benefits & Protection
Bilt
4 benefits vs 0
Statement Credits
United Explorer
$100 in annual credits
Flexibility
Bilt
Transferable points to airline/hotel partners
OUR PICK
Bilt wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for BiltPREMIUM PICK
United Explorer wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for United ExplorerRewards Earning: Detailed Comparison
Bilt
| Dining on Rent Day | 3.0X |
| Travel | 2.0X |
| Rent payments | 1.0X |
| Everything else | 1.0X |
United Explorer
| United Airlines purchases | 2.0X |
| Dining | 2.0X |
| Hotel stays | 2.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Bilt (4 benefits)
- Trip Cancellation and Interruption Insurance (up to $5,000)
- Purchase Assurance (up to $10,000)
- Extended Warranty
- Cell Phone Protection (up to $800)
United Explorer (0 benefits)
See full review for benefits details.