Choice Privileges vs United Explorer
Choice Privileges
$0/yr
7.0/10
VS
United Explorer
$150/yr
6.0/10
Quick Answer
Choice Privileges charges no annual fee with 1X base rewards. United Explorer charges $150/yr with 1X base rewards. Choice Privileges offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Choice Privileges →
PointsPick may earn a commission. Disclosure
Apply for United Explorer →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Choice Privileges
Lower annual fee ($0 vs $150)
Rewards Earning
United Explorer
4 earning categories
Benefits & Protection
Choice Privileges
0 benefits vs 0
Statement Credits
United Explorer
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Choice Privileges wins for most people
The $150 fee difference is hard to justify unless you maximize premium benefits.
Apply for Choice PrivilegesPREMIUM 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
Choice Privileges
| Choice Hotels properties | 5.0X |
| Gas stations & grocery stores | 3.0X |
| Everything else | 1.0X |
United Explorer
| United Airlines purchases | 2.0X |
| Dining | 2.0X |
| Hotel stays | 2.0X |
| Everything else | 1.0X |