New: Compare up to 3 cards side-by-side instantly Compare now →
United Explorer Card vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
[ 01 / 02 ]
·
Feature Comparison
| Feature | United Explorer CardChase | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.3/5 | 4/5 |
| Annual Fee | $95 | $0 |
| APR | 19.49% - 27.99% | 17.49% - 28.24% |
| Signup Bonus | 70,000 bonus miles after spending $3,000 in 3 months | None |
| Rewards Rate | 2X on United purchases, dining, and hotel stays, 1X on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | Free first checked bag saves $70+ per round trip for 2 travelers Two United Club one-time passes per year 25% back on United in-flight purchases | 0% intro APR for 21 months on purchases and balance transfers — longest on the market $0 annual fee Cell phone protection up to $600 per claim |
| Cons | $95 annual fee 2X earning rate is low compared to general travel cards Best value only if you fly United regularly | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
[ 02 / 02 ]
·
Verdict
Our Pick: United Explorer Card
With a 4.3/5 rating, the United Explorer Card edges out the Wells Fargo Reflect Card (4/5). At $95/yr, the value proposition is strong. The United Explorer is a must-have for United flyers. Free checked bags, priority boarding, and 2X on United purchases offset the $95 fee after just a couple of round trips.