Best United Airlines credit cards of May 2024
The best United Airlines credit cards offer great perks for those who frequently fly the friendly skies — as well as casual travelers who sometimes find themselves on a United plane. Some United credit cards unlock useful benefits when flying on United and using United MileagePlus miles, while others earn valuable transferable points you can redeem through other reward programs.
Whether you’re looking for ways to optimize your United credit card usage to earn more miles or want to apply for a new card, our guide to the best credit cards from our partners for United Airlines flyers will help you find the right fit.
- Chase Sapphire Preferred® Card: Best for flexible travel rewards
- United℠ Explorer Card: Best for occasional United flyers
- United Club℠ Infinite Card: Best for United Club access
- The Platinum Card® from American Express: Best for lounge access around the world
- United Quest℠ Card: Best for frequent United flyers
- United Gateway℠ Card: Best for entry-level benefits
- Chase Sapphire Reserve®: Best for frequent travelers
- Ink Business Preferred® Credit Card: Best for high-spending businesses
- The Business Platinum Card® from American Express: Best for booking United flights directly
- United℠ Business Card: Best for United business travelers
| 5x | 5x on travel purchased through Chase Travel℠. |
| 3x | 3x on dining, select streaming services and online groceries. |
| 2x | 2x on all other travel purchases. |
| 1x | 1x on all other purchases. |
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit cards on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.
Pros
- You’ll earn 2 Ultimate Rewards points per dollar on travel and 3 Ultimate Rewards points per dollar dining including eligible delivery services and takeout
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance
Cons
- The card comes with a $95 annual fee
- Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 75,000 points are worth $937.50 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
| 2X | Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases |
| 1X | 1 mile per $1 spent on all other purchases |
Between a TSA PreCheck/Global Entry fee credit, two annual lounge visits and a free checked bag, the United Explorer card is packed with perks that will enhance your trips for even occasional United flyers. Read our full review of the United Explorer card.
Pros
- First checked bag free for you and a companion on United flights
- Two, one-time United Club passes each year of card membership
- Up to $100 credit every four years for Global Entry/TSA PreCheck
- Elite status shortcut
- Trip cancellation, trip delay and baggage insurance
Cons
- Miles redemption limited to United and Star Alliance partners
- Only provides lounge access two times
- Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $95.
- Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
- Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
- Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
- Member FDIC
| 4X | Earn 4 miles per $1 spent on United® purchases |
| 2X | Earn 2 miles per $1 spent on all other travel and dining |
| 1X | Earn 1 mile per $1 spent on all other purchases |
Only the United Club Infinite Card grants you complimentary United Club lounge membership, worth up to $650 per year. Although this card comes with a steep $525 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $100 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year. Read our full review of the United Club Infinite Card.
Pros
- Earn 4 miles per dollar on United purchases; 2 miles per dollar on travel and dining; 1 mile per dollar on everything else
- United Club℠ membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
- Up to $100 statement credit for Global Entry/TSA Precheck application every four years
- Free first and second checked bags for you and one travel companion on the same reservation
- 25% inflight purchase statement credit
Cons
- High $525 annual fee
- Earn 80,000 bonus miles after qualifying purchases
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel and dining
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
- 10% United Economy Saver Award discount within the continental U.S. and Canada
- Earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
- Member FDIC
| 5X | Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. |
| 5X | Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. |
The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our full review of The Platinum Card from American Express.
Pros
- The current welcome offer on this card is quite lucrative. TPG values it at $1,600
- This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $500 in assorted annual statement credits and so much more
- The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway
Cons
- The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost
- Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories
- The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
| 3X | 3 miles per $1 spent on United® purchases. |
| 2X | 2 miles per $1 spent on dining, select streaming services & all other travel. |
| 1X | 1 mile per $1 spent on all other purchases. |
The United Quest Card is a solid, middle-of-the-road option for frequent United flyers. The $250 annual fee is effectively cut in half if you can take advantage of the annual $125 United statement credit, and there’s a long list of benefits from checked baggage benefits to a strong earning rate on United and everyday purchases. Read our full review of the United Quest Card.
Pros
- Receive up to $125 in statement credits each account anniversary year as reimbursement for United purchases
- Free first and second checked bags
- Up to $100 Global Entry or TSA PreCheck fee credit
Cons
- $250 annual fee
- No lounge access benefits
- Earn 60,000 bonus miles and 500 PQP after qualifying purchases
- Earn 3 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel, dining and select streaming services
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
- Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
- Earn up to 6,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
- Member FDIC
| 2X | Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting |
| 1X | Earn 1 mile per $1 spent on all other purchases |
If you’re looking for an entry point into earning United miles, the United Gateway Card is a solid option. The sign-up bonus is a bit more valuable than many no-annual-fee cards out there, and you’re getting a solid rewards structure. Read our full review of the United Gateway Card.
Pros
- No annual fee
- 2 miles per dollar on United purchases, gas stations, local transit and commuting and 1 mile per dollar on everything else
- No foreign transaction fees
Cons
- Other United cards offer better value and perks if you fly the carrier often
- Earn 20,000 bonus miles
- No annual fee
- Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
- Earn 2 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent at gas stations, on local transit and commuting
- Earn 1 mile per $1 spent on all other purchases
- 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
- Member FDIC
| 10x | Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠. |
| 5x | Earn 5x total points on flights through Chase Travel℠. |
| 3x | Earn 3x points on other travel and dining. |
| 1x | Earn 1 point per $1 spent on all other purchases. |
The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous 3 points per dollar on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve card.
Pros
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
- Access to Chase Ultimate Rewards hotel and airline travel partners
- Unlimited 3 points per dollar on the broad category of travel and dining
- 50% more value when you redeem your points for travel directly through Chase Travel portal
Cons
- Steep initial $550 annual fee
- May not make sense for people that don't travel frequently
- Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 75,000 points are worth $1125 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
| 3X | Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
| 1X | Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred Credit Card.
Pros
- One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $8,000 worth of spend in the first three months after card opening
- Access to the Chase Ultimate Rewards portal for points redemption
- Reasonable $95 annual fee
- Bonus categories that are most relevant to business owners
- Primary car insurance
- Perks including cellphone and purchase protection
- Extended warranty
- Trip cancellation/interruption insurance
- Trip delay reimbursement
Cons
- High spending needed to get 100,000-point sign-up bonus
- No travel perks
- Subject to Chase's 5/24 rule on card applications
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
| 5X | 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com |
| 1.5X | Earn 1.5X points on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. |
| 1X | 1X points for each dollar you spend on eligible purchases. |
The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our full review on The Business Platinum Card from American Express.
Pros
- Up to $100 statement credit for Global Entry every 4 years or up to $85 TSA PreCheck credit every 4.5 years (enrollment is required)
- Up to $400 annual credit for U.S. Dell purchases
- Gold status at Marriott and Hilton hotels (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection
- International Airline Program and Cruise Privileges Program
Cons
- Steep $695 annual fee
- High spend needed for welcome offer.
- Limited high bonus categories outside of travel
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
| 2X | Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. |
| 1X | Earn 1 mile per $1 spent on all other purchases. |
If you’re a business owner, the United Business card offers excellent benefits for United flyers while charging a low annual fee. Read our full review of the United Business Card.
Pros
- Earn 2 MileagePlus miles per dollar on United Airlines purchases, dining, gas stations, office supply stores and on local transit and commuting and 1 mile per dollar on everything else
- First checked bag free for you and one companion on your reservation
- Two United Club one-time passes each cardmember anniversary
- Travel protections including primary rental car insurance and trip cancellation/interruption insurance
Cons
- $99 annual fee, after the first year
- Only provides lounge access twice per card member year
- Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- $0 introductory annual fee for the first year, then $99.
- Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
- Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
- Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
- Member FDIC
Comparing the best credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | flexible travel rewards | 75,000 bonus points Open Intro bonus Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠. | 1 - 5X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | occasional United flyers | Earn 50,000 bonus miles Open Intro bonus Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. | 1 - 2X miles | $0 Intro for First Year, then $95. |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | United Club access | Earn 80,000 bonus miles Open Intro bonus Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. | 1 - 4X points | $525 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | lounge access around the world | Earn 80,000 points Open Intro bonus Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. | 5X points | $695 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | frequent United flyers | Earn 60,000 bonus miles Open Intro bonus Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open. | 1 - 3X points | $250 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | entry-level benefits | Earn 20,000 bonus miles Open Intro bonus Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more. | 1 - 2X points | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | frequent travelers | 75,000 bonus points Open Intro bonus Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠. | 1 - 10X points | $550 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | high-spending businesses | Earn 100,000 bonus points Open Intro bonus Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. | 1 - 3X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express's secure site | booking United flights directly | Earn 150,000 points Open Intro bonus Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. | 1 - 5X points | $695 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | United business travelers | Earn 75,000 bonus miles Open Intro bonus Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. | 1 - 2X points | $0 introductory annual fee for the first year, then $99. |
More details on the best credit cards
Since you can accumulate valuable Chase Ultimate Rewards points with every purchase, the Chase Sapphire Preferred Card is consistently one of our top picks for travel rewards cards. You can earn 5 points per dollar spent on travel booked through the Chase Travel portal, 3 points per dollar on dining and online groceries, and 2 points per dollar on other travel expenses.
If you travel at least a couple of times each year, fly various airlines besides United, seek added insurance coverage for your travel bookings and wish to earn Chase Ultimate Rewards points on your purchases, this card is certainly worth considering despite its annual fee. Moreover, you can transfer your Chase Ultimate Rewards points to United MileagePlus.
“The Chase Sapphire Preferred has remained a top card in my wallet for years. Between the consistently strong sign-up bonus, low annual fee and continual improvements that have been made over the years, it's hard for any other mid-tier rewards card to compare. I love that I can earn bonus rewards on travel, dining, streaming and online grocery purchases — all with just one card. Plus, Chase Ultimate Rewards points are valuable and easy to use whether you're new to points and miles or an expert.” — Madison Blancaflor, senior content operations editor
If you’d rather earn Citi ThankYou Rewards points, the Citi Premier® Card (see rates and fees) is another solid mid-tier travel rewards card with a sub-$100 annual fee. The Citi Premier earns 3 points per dollar at restaurants, supermarkets, gas stations and hotels and on air travel, but only offers 1 point per dollar on other travel purchases.
The United Explorer Card is geared toward both frequent and occasional United flyers and offers plenty of benefits, such as a free checked bag for you and a companion on the same reservation, priority boarding, two annual one-time United Club passes and a discount on in-flight purchases. It also earns bonus miles on various purchases, including dining and hotels, putting your next award ticket within reach sooner.
If you’re a casual United flyer and want to earn valuable cost-saving perks like a complimentary checked bag (worth $35 on domestic flights) and two one-time United Club passes (worth $59 per entry), you’ll easily get your money’s worth from this card’s $95 annual fee, $0 intro annual fee for the first year.
“The United Explorer Card offers an array of perks that will enhance your travel experiences on United, even if you only fly with United occasionally. With benefits like a TSA PreCheck/Global Entry fee credit, two annual United Club one-time passes and a complimentary checked bag, this card is packed with valuable perks that help you get your money’s worth year after year.” — Kyle Olsen, former points and miles reporter
If you want to earn more Premier qualifying points and don’t value the two United Club one-time passes that highly, we recommend the United Quest℠ Card. This card offers a $125 United purchase credit and 3 miles per dollar on United purchases, in addition to other perks.
The United Club Infinite Card’s notable perks include a membership to the United Club (worth up to $650 every year), IHG One Rewards Platinum Elite status (worth $1,290), and complimentary first and second checked bags for you and one travel companion on the same reservation. Cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags and a Global Entry or TSA PreCheck application fee credit worth up to $100 once every four years.
Though the United Club Infinite Card has a high annual fee, it comes with premium perks that can make this card worthwhile for frequent United flyers.
“While I’m not the most die-hard United Club fan, I use this card to help earn PQPs to qualify for United status, which gives me perks like PlusPoints for international upgrades and Economy Plus seating. I also appreciate having instant, upper-tier IHG One Rewards status with no stay activity to retain my status. And if you don’t have United status, the card’s benefits that are usually reserved for the airline’s elite members, like free checked bags, priority boarding and priority services at the airport, all contribute to the card’s overall value proposition.” — Kyle Olsen, former points and miles reporter
The United Quest℠ Card has a lower annual fee and allows you to earn United Airlines miles. While it does not provide United Club access, it does offer priority boarding and the convenience of a first checked bag free on United Airlines itineraries.
Despite its substantially high annual fee, The Platinum Card from American Express remains a favorite card thanks to its extensive range of perks exclusive to its members. In particular, United Airlines travelers may find the up to $200 airline fee credit, the up to $189 Clear Plus statement credit and the opportunity to earn 5 points per dollar on flights booked directly with airlines or through American Express Travel (on up to $500,000 on these purchases per calendar year) to be particularly rewarding (see rates and fees). Enrollment is required for select benefits.
This card is a solid option for those who are looking for travel-related perks that are not exclusive to United Airlines flights. This card offers a wide range of benefits and statement credits that you are likely to utilize, making it a worthwhile choice. For example, if your goal is to earn Amex Membership Rewards points while enjoying access to the Centurion Lounge at airports you frequently visit, the Amex Platinum card could be the perfect fit for you.
“Whilst this card has a high annual fee, it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights — whether bought with cash or points — on this card to earn 5 points per dollar spent and trip protection insurance*. I make sure to take full advantage of the Uber, Saks Fifth Avenue, Hulu/Disney+ and Clear credits. And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt, senior credit cards editor
*Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
If you find that Centurion Lounges are not often available during your travels and you prefer not to maximize the value of the Amex Platinum’s various statement credits, the Chase Sapphire Reserve® could be the perfect premium travel rewards card for you. This card will earn Chase Ultimate Rewards points instead of Amex Membership Rewards points. As well as offering a lower annual fee, the Sapphire Reserve offers cardholders a $300 annual travel credit that can be easily utilized; plus, you’ll earn a minimum of 3 points per dollar on all your travel purchases.
The United Quest Card is an excellent choice for a mid-tier United card, offering substantial value that more than justifies its annual fee. The card’s annual $125 credit for United purchases makes up for half its annual fee, and you can save on award flight redemptions thanks to two 5,000-mile anniversary award flight credits when you redeem for flights on United or United Express. Additionally, you can enjoy baggage perks, priority boarding and a generous PQP maximum, making it a highly rewarding option for a mid-tier travel card.
The United Quest Card is an excellent choice for folks who already fly United frequently but can still take advantage of benefits like a first and second checked bag free for you and a companion on the same reservation, priority boarding and a discount on inflight food, drink and Wi-Fi purchases.
“For United flyers who aren’t concerned about accessing the United Club, the Quest provides the perfect benefits for a card with its annual fee. The $125 annual statement credit on United purchases is effectively cash back for United flyers.”— Kyle Olsen, former points and miles reporter
For an even lower annual fee, the United℠ Explorer Card offers priority boarding and one complimentary checked bag for you and a companion on the same reservation. Plus, with the Explorer card, you’ll earn miles on everyday purchases.
Despite being United’s entry-level card, the Gateway card offers the ability to earn 2 miles per dollar on United purchases, at gas stations and on local transit and commuting with no annual fee. The card also offers no foreign transaction fees.
This is a great starter card to earn United miles on everyday purchases to eventually redeem for an award flight.
“The Gateway card has no annual fee, no foreign transaction fees and lets you earn a modest number of United miles on your purchases. That’s a trifecta for beginners.” — Kyle Olsen, former points and miles reporter
For a $95 annual fee ($0 intro annual fee for the first year), the United℠ Explorer Card offers priority boarding and one complimentary checked bag for you and a companion on the same reservation. Plus, with the Explorer card, you’ll be able to earn more miles.
Though the Chase Sapphire Reserve comes with a high annual fee, you’ll receive an annual $300 travel credit. This card includes a Priority Pass Select membership, allowing access to some airport lounges and restaurants. Plus, you’ll earn bonus points when booking hotels and car rentals through the Chase Travel portal, and additional reward points on all travel-related purchases. Moreover, this card offers exceptional travel protection.
If you are a frequent traveler and want to earn redeemable reward points, the Chase Sapphire Reserve is a great option. Plus, with Chase’s transfer partners, you can maximize your Ultimate Rewards at a great value. Alternatively, cardholders of the Chase Sapphire Reserve can redeem points at a rate of 1.5 cents apiece when purchasing travel through the Chase Travel portal.
“I've had the Sapphire Reserve for years, and it's going to stay in my wallet for the near future. I get $300 off travel every year, along with great earning rates on travel and dining (3 points per dollar) and varied travel protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I'm able to maximize the earnings across all of my purchases.” — Nick Ewen, director of content
Though it has fewer perks, the Chase Sapphire Preferred® Card offers a lower annual fee, reliable travel protections, a minimum of 2 points per dollar on all travel purchases and the opportunity to accumulate valuable Chase Ultimate Rewards points.
The Ink Business Preferred® Credit Card offers a range of exclusive benefits, making it an appealing choice for business owners who want to maximize their earnings and enjoy valuable rewards through the Ultimate Rewards program. These rewards can be easily transferred to several airline and hotel partners, or they can be redeemed directly for travel through the Chase portal.
The card is particularly advantageous for business owners who frequently spend in the card’s bonus-earning categories. If you already have another Chase credit card that earns Ultimate Rewards points, you have the convenient option to combine your points, allowing you to maximize their value and take advantage of a wider range of redemption opportunities.
“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I've found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter, senior writer
The Capital One Spark Miles for Business Card is worth considering if you prefer a credit card without the hassle of bonus categories. With this card, you can earn at least 2 miles per dollar spent on all purchases, and the $95 annual fee is waived for the first year (see rates and fees). While you still have the ability to transfer your miles to Capital One’s transfer partners, it’s important to note the welcome bonus is not as significant as that of the Ink Business Preferred.
Finding a credit card that can match the extensive list of benefits offered by The Business Platinum Card from American Express is no easy task. While this card may not be suitable for the average consumer, it holds immense value for business owners with substantial expenses, particularly travel-related expenses. The Amex Business Platinum is akin to the personal version offered by Amex but with added perks tailored specifically for business needs. These perks include statement credits and earning rates that align better with the requirements of business owners.
Paying a substantial annual fee often comes with various accompanying perks. For individuals who frequently travel and have a business or side hustle, the Amex Business Platinum card is an invaluable asset. If you want access to numerous lounges worldwide, including the prestigious Amex Centurion lounges, a bonus on first- or business-class tickets purchased through Amex Travel (up to 500,000 points per calendar year), elite status with Marriott and Hilton and other exclusive benefits, certain business owners can easily justify the cost of the annual fee.
“I find that the annual perks and credits vastly outweigh the large annual fee. And that's even without using some of them. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear, our cellphone plan and restocking my home printer with ink and paper from Dell, I get more value out of the card than it costs to keep it. Plus, it earns my favorite points — American Express Membership Rewards points — with 5 points per dollar on flights and hotels booked with Amex Travel.” — Ryan Smith, former credit cards writer
The Ink Business Preferred® Credit Card offers a significantly lower annual fee, as well as bonus points in several categories, such as travel-related purchases. This card provides excellent travel protection, including trip delay protection and rental car insurance. Unlike American Express Membership Rewards points, you can transfer Chase points to United MileagePlus.
The United Business Card is an excellent choice if you occasionally travel for work. For a reasonable $0 introductory annual fee for the first year, then $99 thereafter, you can earn bonus miles on United purchases, dining, gas, office supply stores, local transit and commuting. Moreover, by making more than seven United flight-related travel purchases each year, you'll receive a $100 statement credit. Additionally, if you also have one of United's personal credit cards, you can earn 5,000 bonus miles annually.
This card is the ideal choice for individuals seeking a business card and who fly with United regularly without reaching elite status. It provides exclusive benefits tailored to the airline, such as complimentary checked bags, priority boarding, and a 25% discount on inflight Wi-Fi, food and beverages.
“This card allows business owners to earn United miles on business purchases with a nominal annual fee. If you manage to have at least seven United flight-related travel purchases each year, you’ll get a $100 statement credit, which effectively waives this card’s annual fee.” — Kyle Olsen, former points and miles reporter
Though it’s not a business card, if you want more Premier qualifying points and United Airlines perks, it’s worth looking into the United Quest℠ Card. This card offers a $125 United purchase credit and 3 miles per dollar on United purchases, in addition to other perks.
Maximizing United Airlines credit cards
Earn the sign-up bonus
Meeting the minimum spend threshold to obtain the sign-up bonus is a great way to maximize your United Airlines credit card. It lets you quickly accrue several thousand miles you can redeem in the future.
Join the airline's loyalty program
United's loyalty program is called MileagePlus and it provides the opportunity to easily earn miles and take advantage of free checked bags when you book with United.
Book directly with the airline
Booking directly with United typically means you get more flexibility if plans change and you need assistance changing a booking or requesting a refund. If you book with a third-party service, you'll likely have to work with them to address issues or itinerary changes.
Decide what benefits are important
It’s important to consider what benefits suit your lifestyle. If you're in the market for a credit card that offers exclusive benefits for flying with United Airlines, the United Club℠ Infinite Card is the ideal choice. It allows you access to United Club lounges when traveling with United Airlines and select partners. On the other hand, if you prefer early boarding and a complimentary first checked bag on domestic United Airlines itineraries for yourself and a specific number of travel companions on the same reservation, the United℠ Explorer Card is a great option with a lower annual fee.
However, if your frequent flying extends beyond United Airlines to other carriers, it may be more advantageous to consider a card like the Chase Sapphire Reserve®. This card provides Priority Pass Select lounge membership, allowing you access to various airport lounges. Additionally, it offers statement credits for travel purchases made with the card, making it a versatile choice for travelers.
Choose the rewards you want to earn
Some of the cards we’ve highlighted above only earn United Airlines miles. While these miles are valuable, they can only be redeemed with the United Airlines MileagePlus program.
However, some cards earn transferable rewards that you can redeem in many ways. For example, the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card earn Chase Ultimate Rewards points that are usually best redeemed for travel purchased through the Chase Travel portal or by transferring them to Chase’s partners.
Earn PQPs through spending
One other aspect to consider is whether you’re hoping to earn Premier qualifying points when you spend on your credit card. PQPs are one of the two metrics United Airlines uses to qualify for elite status, and you can spend using cobranded United Airlines credit cards to earn your way to United Airlines elite status.
Some of United’s cobranded cards earn 25 PQPs for every $500 you spend, up to a certain maximum.
How we rate
What is United Airlines?
United Airlines is a major airline headquartered in Chicago. United Airlines is the third-largest airline in the nation; Chicago is also the location of the largest United hub. United has a collection of cobranded credit cards that allow you to earn miles, access lounges and more.
United offers four consumer credit cards and two business credit cards. The cards feature varying annual fees as well as travel perks and benefits. Whether you're a business owner, a frequent or casual United flyer, there's likely a good fit for your individual needs.
United credit cards work like any other card that you use to make purchases or book reservations. These cards earn miles you can redeem for travel in addition to Premier Qualifying Points (PQPs) which you can earn at varying rates depending on which card you hold. Note that there is also a limit on the number of PQPs you can earn each year.
How to apply for a United Airlines credit card
You can apply for a United card online or by mail. Upon approval, your new card should arrive by mail — regardless of how you applied — in seven to 10 days. To streamline the process, you can access United card applications here:
What are the benefits of having a United Airlines credit card?
Cobranded United Airlines credit cards offer many benefits for travelers. Here’s a look at what you can expect from some of the MileagePlus credit cards we discussed above.
What is the United MileagePlus program?
All of the cobranded United Airlines credit cards earn MileagePlus miles which can be redeemed for flights and upgrades. Here’s a look at how many miles you’ll earn on purchases with some of the best United Airlines credit cards:
- United Club Infinite Card: Earn 4 miles per dollar on United purchases, 2 miles per dollar on dining and all other travel, and 1 mile per dollar on everything else.
- United Quest Card: Earn 3 miles per dollar on United purchases (after your $125 annual United statement credit); 2 miles per dollar on dining, all other travel and select streaming services; and 1 mile per dollar on everything else.
- United Explorer Card: Earn 2 miles per dollar on United purchases, hotels (booked directly) and dining, and 1 mile per dollar on everything else.
- United Gateway Card: Earn 2 miles per dollar on United purchases, gas, local transit and commuting; and 1 mile per dollar on everything else.
- United Business Card: Earn 2 miles per dollar on United purchases, dining, gas, local transit, commuting and office supply stores; and 1 mile per dollar on everything else.
What are PQPs?
PQPs are Premier Qualifying Points. These points are earned by making everyday purchases with your United credit card.
You can earn 1 PQP per dollar spent on other purchases, including United airfare and paid cabin upgrades. There are other ways to earn PQPs such as purchasing a partner flight and outright buying PQPs.
There are two United cards that offer complimentary airport lounge access: United Club Infinite and United Club Business. If being able to get into a lounge is important to you, one of these cards may be a good fit. Plus, these cards allow you to bring up to two guests into a lounge with you making it a solid option if you frequently fly United with family or friends.
The information for the United Club Business credit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
You can often earn a welcome bonus if you’re approved for a new United Airlines credit card and you meet the minimum spending requirements for the bonus. Here’s a look at the current welcome offers on some of the best United Airlines credit cards:
- United Club Infinite Card: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.
- United Quest Card: Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first three months your account is open.
- United Explorer Card: Earn 50,000 bonus miles after you spend $3,000 on purchases in the first three months your account is open.
- United Gateway Card: Earn 20,000 bonus miles after you spend $1,000 on purchases in the first three months your account is open.
- United Business Card: Earn 75,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open.
Four of the cobranded United Airlines credit cards we highlighted above offer the first checked bag for free on domestic United Airlines itineraries for you and up to a set number of companions traveling with you on the same reservation.
Cardholders of the United Explorer and United Business get one standard checked bag for themselves and up to one companion on the same reservation, while United Quest and Club Infinite cardholders get two standard checked bags for themselves and up to one companion on the same reservation.
If priority boarding is important to you, there are a couple of United credit cards that provide this perk: the United Explorer, Business, Quest and Club Infinite cards board in Group 2.
Many credit cards offer a Global Entry or TSA PreCheck application fee credit. This credit will usually provide a statement credit for an eligible Global Entry or TSA PreCheck application fee charged to your card every four to five years. A few of the cards highlighted in this guide offer this perk, including:
How to redeem United Mileage Plus credit card miles
Redeeming your MileagePlus miles can be done over the phone, in the United app or on United's website. If you're logged into your account online or using the app, you should see an option to use your miles for redemptions. You can choose between things like award flights and upgrades — simply choose what you want to use your miles for and click 'submit.'
United Airlines credit card annual fees
United Explorer card: $0 intro annual fee for the first year, then $95 per year thereafter
United Quest card: $250
United Gateway card: $0
United Club Infinite card: $525
United Club Business card: $450
United Business card: $0 intro annual fee for the first year, then $99 per year thereafter
How much are United miles worth?
According to TPG's valuations, MileagePlus miles are worth 1.4 cents apiece.
How to choose the best United credit card
- Opt for a card with an attainable sign-up bonus that suits your budget. Once you’ve earned a bonus, you’ll be able to use it for future travel.1Sign-up bonus
- Those seeking premium value from a United card will find tons of value in the options that have higher annual fees.2Annual fee
- Choose a card that grants access to bonus categories you frequently spend in, whether it’s on groceries or dining out. This way, you maximize your earning potential.3Bonus categories
Ask our experts
What's your favorite United credit card — and why?
Pros + cons of United credit cards
Pros
- Using United credit cards responsibly can help you build your credit score.
- United credit cards can earn MileagePlus miles (or flexible travel rewards) on every dollar you spend.
- Some United credit cards offer shortcuts to MileagePlus Premier status and expanded award availability.
- Many United credit cards provide purchase, theft and fraud protection.
- Select United credit cards provide perks like travel insurance, lounge access, statement credits and more.
Cons
- United credit cards can encourage overspending.
- Carrying a balance and using your United card irresponsibly can damage your credit score.
- The cost of borrowing on United credit cards is higher than traditional loans.
- Having too many card applications can negatively affect your credit score.
- You may not fly with United enough to make a United credit card worthwhile.
Frequently asked questions
The ideal United Airlines credit card choice depends on your specific requirements. The United Club Infinite card would be your most suitable option if you want United Club access. However, if your main priority is to receive the benefit of a complimentary first checked bag on domestic United Airlines flights, the United Explorer or Quest card would likely be best.
Obtaining a United Airlines card can be advantageous if its benefits outweigh the annual fee. To illustrate, simply avoiding four checked bag fees per year would make keeping the United Explorer card in your wallet a worthwhile long-term investment. Moreover, the annual fee for the United Club Infinite card is lower than that of a United Club membership, making it an even more cost-effective option.
You can apply for United Airlines cards by clicking the hyperlinked card names on our page.
Only three major credit card currencies transfer to United MileagePlus: Chase Ultimate Rewards points, at a 1:1 ratio; Marriott Bonvoy points, at a 3:1.1 ratio; and Bilt Rewards, at a 1:1 ratio. Many cobranded Chase credit cards earn Chase Ultimate Rewards points, Marriott Bonvoy credit cards earn Marriott points, and you can earn Bilt Points with the Bilt Mastercard®.
See Bilt Mastercard rates and fees here.
See Bilt Mastercard rewards and benefits here.
No, United Airlines credit cards do not have foreign transaction fees.
You can use your cobranded United Airlines credit card at most merchants that accept Visa credit cards.
Some United Airlines credit cards, including the Club Infinite card, offer worldwide car rental insurance coverage when you pay for your rental with your card. Check out each card’s benefits to determine whether your card offers rental car coverage and, if so, the specific details of the coverage.
You'll typically need good credit — a credit score of at least 670 — to be approved for a United Airlines credit card.
Yes, you can add eligible United credit cards to Apple, Google or Samsung mobile wallets.
MileagePlus miles do not expire. This means you can accrue them over time and save them for a special redemption once you've hit your points goal.
Yes, holding more than one United credit card simultaneously is possible. You may find more value, however, in holding a single United card that earns MileagePlus miles instead of splitting your spending power between two United cards. Also, remember that you'll be under the Chase 5/24 rule since Chase issues United cards.
For rates and fees of the Amex Platinum, click here
See Bilt Mastercard rates and fees here
See Bilt Mastercard rewards and benefits here