MileagePlus Explorer, going into the third year, minimal spend (esp since I got the CSR 6 months ago...basically just use this card when I know I need to check a bag).

No offers, but was told I could use 11,875 miles instead of $95 to pay the fee by going to united.com/chase.

Since I can turn 9,500 UR points into $95 and pay the fee with that, this is only useful if you have a lot of miles and no UR points.

Going to keep the card...I fly United about once a month, have no status...so Group 2, extra award availability, and two UC passes are worth a $95 subscription fee for me even if I don't use the card as a credit card.