Bag-fee card math (deterministic)
Updated: 2026-02-16.
Most efficient for your inputs
United℠ Explorer Card
Annual fee: $95 • Tier: entry
Net annual value
+$185
Break-even: 1 roundtrip(s) per year
All modeled cards for United Airlines
| Card | Tier | Annual fee | Savings / RT | Annual savings | Net | Break-even RTs |
|---|---|---|---|---|---|---|
United℠ Explorer Card | entry | $95 | $140 | $280 | +$185 | 1 |
United Quest℠ Card | mid | $250 | $140 | $280 | +$30 | 2 |
United Club℠ Infinite Card | premium | $525 | $140 | $280 | -$245 | 4 |
Model: first checked bag only • roundtrip = 2 directions • eligible travelers capped per card.
Related: United Airlines fee table