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CardCurator — Rewards Intelligence
Card Comparison

LATAM Airlines World Elite Mastercard vs United Explorer

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

LATAM Airlines World Elite Mastercard card art
Latam Pass Miles
LATAM Airlines World Elite Mastercard
Cardless
More Info
United Explorer card art
United MileagePlus
United Explorer
Chase
More Info
Annual Fee
$99/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
45,000 points
Spend $2,500 in 3 months
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
  • LATAM Airlines 4x
  • Restaurants, Rideshare, taxis, & public transit 3x
  • All Other Purchases 1x
  • United Purchases 2x
  • Restaurant Purchases 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Key Credits
None
  • Statement Credit $5
  • Statement Credit $50
  • Statement Credit $50
  • +1 more
Card Perks
  • LATAM Airlines-operated VIP Lounges (~$100/yr)
  • Cabin Upgrade (~$50/yr)
  • 2 United Club one-time passes per year
Transfer Partners
No transfer partners
No transfer partners
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Common Questions: LATAM Airlines World Elite Mastercard vs United Explorer

Is the LATAM Airlines World Elite Mastercard or United Explorer better for dining?

LATAM Airlines World Elite Mastercard earns 3x on dining; United Explorer earns 2x on dining. LATAM Airlines World Elite Mastercard wins for dining.

Which has the higher signup bonus in 2026?

LATAM Airlines World Elite Mastercard currently offers 45,000 pts signup bonus (spend $2,500 in 3 months). United Explorer offers 85,000 pts signup bonus (spend $3,000 in 3 months). United Explorer has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the LATAM Airlines World Elite Mastercard and the United Explorer?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. LATAM Airlines World Elite Mastercard is from Cardless and United Explorer is from Chase, so they're governed by separate bank policies.