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Chase British Airways Visa Signature vs United Explorer Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. British Airways Visa Signature 1.4% 1x base rate
  2. United Explorer Card 1.2% 1x base rate

Dining

  1. United Explorer Card 2.4% 2x
  2. British Airways Visa Signature 1.4% 1x base rate

Flights

  1. United Explorer Card 3.6% 3x
  2. British Airways Visa Signature 1.4% 1x base rate

Hotels

  1. British Airways Visa Signature 2.8% 2x
  2. United Explorer Card 2.4% 2x

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge British Airways Visa Signature $95 and United Explorer Card $150 a year, so a thin lead in one category may not cover the difference.

Where they differ: British Airways Visa Signature takes everything else and hotels; United Explorer Card takes dining and flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseBritish Airways Visa Signature1.4%
DiningUnited Explorer Card2.4%
FlightsUnited Explorer Card3.6%
HotelsBritish Airways Visa Signature2.8%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. British Airways Visa Signature — 1.4%
  2. United Explorer Card — 1.2%

Dining

  1. United Explorer Card — 2.4%
  2. British Airways Visa Signature — 1.4%

Flights

  1. United Explorer Card — 3.6%
  2. British Airways Visa Signature — 1.4%

Hotels

  1. British Airways Visa Signature — 2.8%
  2. United Explorer Card — 2.4%
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