6 Best Benefits of United Airlines Credit Cards

All four United cards earn rewards you can redeem for travel, and the more you're willing to pay, the more perks and benefits you'll get.
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United Airlines offers four co-branded credit cards with annual fees that vary.

All four cards earn MileagePlus miles, which you can redeem toward free flights or seat upgrades on United. And the more you pay, the more you get in terms of perks.

The four cards include:

🤓Nerdy Tip

NerdWallet values United miles at 1.2 cents each. This is a baseline value, drawn from real-world data on hundreds of economy routes, not a maximized value. In other words, you should aim for award redemptions that offer 1.2 cents or more in value from your United miles.

Top United credit card benefits

1. Solid ongoing rewards rates and welcome offers

Each United credit card gives you extra rewards on spending with the airline itself:

United Gateway Card

United Gateway℠ Card

NerdWallet Rating
3.3
Annual fee

$0

United Gateway℠ Card

  • Welcome bonus: Limited-time offer: Earn 30,000 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.

  • 2 miles per $1 spent on United Airlines purchases.

  • 2 miles per $1 spent at gas stations.

  • 2 miles per $1 spent on local transit and commuting.

  • 1 mile per $1 spent on all other purchases.

Chase United Airlines Mileage Plus Credit Card

United℠ Explorer Card

NerdWallet Rating
5.0
Annual fee

$0 intro for the first year, then $95

United℠ Explorer Card

  • Welcome bonus: Limited-time offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

  • 2 miles per $1 spent on eligible United purchases.

  • 2 miles per $1 spent at restaurants.

  • 2 miles per $1 spent on hotel purchases directly from the hotel.

  • 1 mile per $1 spent on all other purchases.

Chase United Quest Credit Card

United Quest℠ Card

NerdWallet Rating
4.6
Annual fee

$250

United Quest℠ Card

  • Welcome bonus: Limited-time offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

  • 3 miles per $1 spent on United purchases.

  • 2 miles per $1 spent on all other travel, dining and select streaming services.

  • 1 mile per $1 spent on all other purchases.

  • Anniversary rewards: On your first anniversary, get up to a $125 United purchase credit and 5,000 miles back in your MileagePlus® account after you take a United or United Express-operated flight booked with your miles (up to two times every anniversary year).

Chase United MileagePlus(R) Club Card Credit Card

United Club℠ Infinite Card

NerdWallet Rating
4.5
Annual fee

$525

United Club℠ Infinite Card

  • Welcome bonus: Limited-time offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

  • 4 miles per $1 spent on United® purchases.

  • 2 miles per $1 spent on all other travel and dining.

  • 1 mile per $1 spent on all other purchases.

2. Convenient perks you can use at the airport

Baggage, boarding, lounge benefits and more

The United Gateway℠ Card does not offer free checked bags, early boarding or access to the airline's United Club airport lounges, but the cards with annual fees do.

United℠ Explorer Card

  • First checked bag free for the primary cardholder and a companion traveling on the same reservation.

  • Up to $100 in statement credit for a TSA PreCheck or Global Entry application fee every four years when charged with the card.

  • Priority boarding.

  • Two free airport lounge passes each year. Day passes cost $59 apiece, so this benefit is worth $118 a year.

United Quest℠ Card

  • A $125 annual United travel purchase credit.

  • Two free checked bags apiece for the primary cardholder and a companion traveling on the same reservation.

  • Up to $100 in statement credit for a TSA PreCheck or Global Entry application fee every four years when charged with the card.

  • Priority boarding.

United Club℠ Infinite Card

  • Two free checked bags apiece for the primary cardholder and a companion traveling on the same reservation.

  • Up to $100 in statement credit for a TSA PreCheck or Global Entry application fee every four years when charged with the card.

  • Priority boarding.

  • Unlimited lounge access. A stand-alone lounge membership costs $650 a year.

  • 10% United Economy Saver Award discount within the continental U.S. and Canada.

3. No foreign transaction fees

United's credit cards also come with an array of protections and benefits that can be handy when traveling.

United Airlines credit cards are a great travel companion abroad since they don't add a foreign exchange surcharge on your spending.

4. 25% back on United in-flight purchases

Get 25% back as a statement credit on food, beverages and Wi-Fi purchases made with a United Airlines credit card.

5. Travel protections

  • Trip cancellation and trip interruption insurance. If your trip is canceled or cut short by covered situations like sickness or injury, you can get reimbursed.

  • Auto rental collision damage waiver. Decline the rental company's collision insurance and charge the entire rental cost to your United card and receive primary coverage for theft and collision damage for most cars in the U.S. and abroad. Coverage in the U.S. on the United Gateway℠ Card is secondary to your personal insurance.

6. No blackout dates

United cardholders don’t have to worry about blackout dates when using miles to book a flight. Miles can be applied to any United-operated flight for any travel date as long as there is availability. Award bookings may have limited availability based on capacity controls.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024:

United Cards from our Partners
Chase United Airlines Mileage Plus Credit Card

on Chase's website

United℠ Explorer Card
5.0
NerdWallet Rating
Rewards rate

1x-2x

Earn 2 miles per $1 spent on dining, hotel stays and United® purchases. 1 mile per $1 spent on all other purchases

Miles

Intro offer

60,000

Limited-time offer: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Miles
Chase United Mileage Plus Explorer Business Credit Card

on Chase's website

United℠ Business Card
5.0
NerdWallet Rating
Rewards rate

1x-2x

Earn 2 miles per $1 spent on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.

Miles

Intro offer

75000

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Miles
Chase United Quest Credit Card

on Chase's website

United Quest℠ Card
4.6
NerdWallet Rating
Rewards rate

1x-3x

3 miles per $1 spent on United® purchases. 2 miles per $1 spent on dining, select streaming services & all other travel. 1 mile per $1 spent on all other purchases. Plus, each year, receive up to a $125 United® purchase credit and up to 10,000 miles in award flight credits (terms apply) and earn up to 6,000 Premier qualifying points.

Miles

Intro offer

70,000

Limited-time offer: Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

Miles
See more United cards

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

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