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.
Robin Saks FrankelSep 24, 2021
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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 cent 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 cent or more in value from your United miles.

Rewards on spending

Solid ongoing rewards rates

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

United Gateway Card
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United Gateway℠ Card

  • 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
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United℠ Explorer Card

  • 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.

United Quest℠ Card

Chase United Quest Credit Card
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  • 3 miles per $1 spent on United purchases.

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

  • 2 miles per $1 spent at restaurants.

  • 2 miles per $1 spent on select streaming services.

  • 1 mile per $1 on all other purchases.

  • Anniversary rewards: On your first anniversary, get 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
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United Club℠ Infinite Card

  • 4 miles per $1 spent on United purchases.

  • 2 miles per $1 spent on dining.

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

  • 1 mile per $1 on all other purchases.

Sign-up bonuses

Two of the cards offer new cardholders the chance to snag an additional bonus if they meet the spending requirements:

  • United Gateway℠ Card: Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

  • United℠ Explorer Card: Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

  • United Quest℠ Card: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

  • United Club℠ Infinite CardEarn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open..

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. Potential savings: Up to $140 per round trip.

  • 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. Potential savings: Up to $320 per round trip.

  • 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. Potential savings: Up to $320 per round trip.

  • 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.

Additional travel perks

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

No foreign transaction fees

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

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.

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.

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.

More about these cards

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