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.
Robin Saks Frankel
By Robin Saks Frankel 
Updated
Edited by Erica Corbin
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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: Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

  • 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: Earn 50,000 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: 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.

  • 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: Earn 80,000 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 our picks for the best travel credit cards of 2024, including those best for:

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

50,000

Earn 50,000 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

100,000

Earn 100,000 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

Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases

Miles

Intro offer

60,000

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.

Miles
See more United cards

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