Skip to content
Credit Cards

Best United Airlines credit cards of November 2024

Most of the cards we feature here are from partners who compensate us when you approve through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Please view our  advertising policy and  product review methodology for more information.

The best United Airlines credit cards offer great perks for frequent flyers — as well as casual travelers who sometimes find themselves on a United flight. 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.

At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.

Browse by card categories

Overwhelmed with credit card options?
Filter out the noise and simplify the research. We'll find your best match in minutes

Best for United business travelers

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
2x2x miles on United® purchases, dining, at gas stations, office supply stores and on local transit and commuting.
1x1x mile on all other purchases.
Open Intro bonus
Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 75,000 bonus miles
$0 introductory annual fee for the first year, then $99.
21.49% - 28.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

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.
  • 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • 1x mile 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.
  • 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.
  • Enjoy a free first checked bag - a savings of up to $160 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

Best for flexible travel rewards

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review
5x5x on travel purchased through Chase Travel℠.
3x3x on dining, select streaming services and online groceries.
2x2x on all other travel purchases.
1x1x on all other purchases.
Open Intro bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 bonus points
$95
20.99% - 27.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • 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, 60,000 points are worth $750 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, 2027.
  • Member FDIC

Best for high-spending businesses

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review
3XEarn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1XEarn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Open Intro bonus
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 90,000 bonus points
$95
20.74% - 26.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent

The Ink Business Preferred Credit Card offers a lucrative intro bonus and earns 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

  • 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 90,000-point sign-up bonus
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 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

Best for occasional United flyers

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
2x2x miles on United® purchases, dining, and hotel stays.
1x1x mile on all other purchases.
Open Intro 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.
Earn 60,000 bonus miles
$0 Intro for First Year, then $95.
21.49% - 28.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent

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 $120 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
  • Limited-time Offer: Earn 60,000 bonus miles
  • $0 introductory annual fee for the first year, then $95.
  • 2x miles on United® purchases, dining, and hotel stays
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
  • Up to $120 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
  • Member FDIC

Best for United Club access

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review
4x4x miles on United® purchases
2x2x miles on all other travel and dining
1x1x mile on all other purchases
Open Intro bonus
Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 90,000 bonus miles
$525
21.49% - 28.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent

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 $120 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 $120 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
  • Limited-time Offer: Earn 90,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on all other travel and dining
  • 1x mile on all other purchases
  • United Club℠ membership - up to $650 value per year
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
  • Member FDIC

Best for frequent travelers

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠.
5xEarn 5x total points on flights through Chase Travel℠.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases.
Open Intro bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 bonus points
$550
21.99% - 28.99% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
740-850Excellent

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 Travel 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 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
  • $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, 60,000 points are worth $900 toward travel.
  • 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, 2027.
  • 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

Best for frequent United flyers

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
3x3x miles on United® purchases.
2x2x miles on dining, select streaming services & all other travel.
1x1x mile on all other purchases.
Open Intro 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.
Earn 70,000 bonus miles
$250
21.49% - 28.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good

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 $120 Global Entry or TSA PreCheck fee credit

Cons

  • $250 annual fee
  • No lounge access benefits
  • Limited-time Offer: Earn 70,000 bonus miles and 500 PQP
  • 3x miles on United® purchases
  • 2x miles on all other travel, dining, and select streaming services
  • 1x mile on all other purchases
  • Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
  • Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
  • Member FDIC

Best for entry-level benefits

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review
2x2x miles on United® purchases, at gas stations, and on local transit and commuting.
1x1x mile on all other purchases.
Open Intro 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.
Earn 30,000 bonus miles
$0
21.49% - 28.49% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good

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
  • Limited-time Offer: Earn 30,000 bonus miles
  • No annual fee
  • 2x miles on United® purchases
  • 2x miles at gas stations
  • 2x miles on local transit and commuting
  • 1x mile 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

Best for lounge access around the world

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5 / 5
Go to review
5XEarn 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.
5XEarn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Open Intro bonus
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 80,000 points
$695
See Pay Over Time APR
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good

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 (enrollment required), 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 eligible purchases on your new Card in your first 6 months of Card Membership.
  • 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 through American Express Travel using 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.
  • 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.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $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: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
  • $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $120 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.
  • 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.
  • See Rates & Fees

Best for renters

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5 / 5
Go to review
3X Points3x points on dining
2X Points2x points on travel
1X Points1x points on other purchases
1X PointsEarn 1x points on rent without the transaction fee, up to 100,000 points in a calendar year. When you use the card 5 times each statement period using your Bilt Mastercard, you'll earn points on rent and qualifying net purchases.
no offer
$0
See Terms
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good

The Bilt Rewards Mastercard is a credit card that allows renters to earn one point per dollar on their rent payments, without incurring credit card transaction fees. In addition, you can earn 3 points per dollar on dining and 2 points per dollar on travel (must make five transactions per statement period to earn points). Bilt Rewards points are transferable points and can be transferred to 12 airline partners and four hotel partners. Despite having no annual fee, the Bilt Rewards card features great travel and dining benefits like Trip Cancellation and Interruption Protection and World Elite Mastercard Concierge Service. Read more about the Bilt Rewards card here.

Pros

  • Earn points on rent with no transaction fees
  • Multiple bonus categories
  • Transfer points to multiple travel partners
  • Variety of travel benefits

Cons

  • No welcome bonus
  • Must make five purchases per statement period to earn points
  • $0 Annual Fee
  • Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
  • Earns 3x points on dining
  • Earn 2x points on travel
  • Earn 1x points on other purchases
  • Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
  • Use the card 5 times each statement period to earn points
  • Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
  • Point redemptions include airlines, hotels, future rent payments, statement credits, toward a down payment on a home, etc.
  • Select "Apply Now" to learn more about the product features, terms, and conditions
  • Rates & Fees. Rewards & Benefits.

Best for booking United flights directly

Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
5X5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1.5XEarn 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X1X points for each dollar you spend on eligible purchases.
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.
Earn 150,000 points
$695
18.74% - 27.74% Variable
Open Credit score description
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent

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 $120 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 (enrollment required)
  • 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 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.
  • $199 CLEAR® Plus Credit: Use your card and get up to $199 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.

Comparing the best United credit cards

Credit card
Best forIntro offerEarning rateAnnual fee
4
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.
4.5
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
60,000 bonus points
Open Intro bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
1 - 5X points
$95
4.5
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 90,000 bonus points
Open Intro bonus
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
1 - 3X points
$95
4
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 60,000 bonus miles
Open Intro 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.
1 - 2X miles
$0 Intro for First Year, then $95.
3
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 90,000 bonus miles
Open Intro bonus
Limited-time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
1 - 4X points
$525
4.5
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
60,000 bonus points
Open Intro bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
1 - 10X points
$550
4
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 70,000 bonus miles
Open Intro 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.
1 - 3X points
$250
3
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 30,000 bonus miles
Open Intro 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.
1 - 2X points
$0
4.5
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 eligible purchases on your new Card in your first 6 months of Card Membership.
5X points
$695
3.5
Open Editors rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
at Bilt's secure site
renters
N/A
1 - 3X points
$0
4
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

More details on the best United credit cards

United℠ Business Card

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.

Chase Sapphire Preferred® Card

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’re a United loyalist that is looking for a card with airline-specific perks and a similar annual fee, consider the United℠ Explorer Card. The intro annual fee is $0 for the first year, then $95  and comes with a TSA PreCheck/Global Entry fee credit, two annual lounge visits and a free checked bag for you and a companion on the same United reservation. 

Ink Business Preferred® Credit Card

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.

United℠ Explorer Card

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.

United Club℠ Infinite Card

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 $120 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.

Chase Sapphire Reserve®

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.

United Quest℠ Card

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.

United Gateway℠ Card

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.

The Platinum Card® from American Express

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 $199 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, then 1 point per dollar) 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 statement 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

Enrollment required for select benefits

*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.

Bilt Mastercard®

The Bilt Mastercard allows you to earn points on your rent, generally a large monthly expense, without transaction fees. In addition, you can earn elevated rewards on travel and dining. The Bilt Mastercard is a great way for renters to get cash back on their largest expenses, and the card comes with many travel benefits and no annual fee! 

Renters who are looking for a way to earn travel rewards on their rent, without transaction fees, can find a lot of benefits in this card. 

The Bilt card can be a great addition to your wallet because no other card lets you earn on rent as widely. In addition, it comes with travel and Cellular Telephone Protection while featuring no annual fee — making this card a no-brainer for any renter’s wallet. 

Unfortunately, there is no other credit card like the Bilt Mastercard. If you are looking for a simple cash-back card and your landlord takes credit cards without charging a transaction fee, consider the Citi Double Cash® Card (see rates and fees) which earns 2% back on all purchases (1% when you buy and 1% when you pay your bill).

The Business Platinum Card® from American Express

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. Enrollment required for select benefits.

“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

Enrollment required for select benefits

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.

How we rate

We selected the best United credit cards to suit different budgets and types of flyers. Since TPG staffers spend hundreds of hours (or more) each year on flights all over the world, we understand the importance of having a card that also suits your travel style — whether that means you want pre-flight lounge access or you simply want inflight discounts. To learn about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonusUnited flyers can take advantage of varying welcome bonuses offered on United credit cards.
Annual feeStarting at zero, United credit card annual fees range from budget-friendly to premium.
Earning ratesWe selected cards that feature elevated mile-earning rates.
Redemption optionsCardholders can redeem MileagePlus miles and earned rewards for future travel.
Added benefitsUnited cardholders get access to extra perks like free checked bags.

Is United the best US airline in 2024?

Not according to TPG’s annual report, which has United in third place (behind Delta and Alaska). United took top scores for loyalty and fell near the top of the heap for its route network and cost structure. However, it was the second-worst airline for delivering checked luggage to passengers, and it ranked sixth in cancellation rate. These operational issues ultimately led to United slipping from second in 2023 to third this year.

Here’s how United compared in this year’s analysis.

*TPG’s proprietary formula uses data from the U.S. Department of Transportation, public information from carrier websites and internal valuation calculations to numerically rank the largest 10 airlines in the U.S. in terms of reliability, cost, experience and loyalty.

Ask our experts

What's your favorite United credit card — and why?

What TPG readers have to say about their favorite United Airlines credit cards

TPG readers often fly United Airlines and use cobranded credit cards to book travel. Here’s what some of our readers shared about their favorite United cards and how they responded when we asked them which credit card made the biggest impact on their travel experiences. 

Note: Reader-submitted responses have not been edited, reviewed or approved by the issuers nor reflect TPG’s opinions of these cards.

United Club℠ Infinite Card

“Lounge access, 2 free checked bags and Premier service for me and those on my same reservation.” — Valeria M via Facebook

United℠ Explorer Card

“I can book a basic economy ticket and enjoy a lot of perks non-card holders on standard economy don’t get.” — Colin S via Facebook

United Quest℠ Card

“United Quest card for United miles, annual bonus miles, and to be sure I get free checked bags.” — Ruth G via Facebook 

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.

How to choose the best United credit card

Choose the best United Airlines credit card based on your spending and travel needs. Frequent United flyers will get a lot of value out of a card that offers lounge access and a Global Entry credit while casual flyers may prefer a no-frills, lower annual fee option.
Here are some of the main points to consider when choosing a United credit card:
  • 1
    Sign-up bonus
    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.
  • 2
    Annual fee
    Those seeking premium value from a United card will find tons of value in the options that have higher annual fees.
  • 3
    Bonus categories
    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.
Complete guide to United Airlines MileagePlus - The Points Guy
Become a MileagePlus pro with these tips

Pros + cons of United credit cards

Pros

  • United credit cards can earn MileagePlus miles 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

  • You may not fly with United enough to make a United credit card worthwhile

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:

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.

According to TPG's valuations, MileagePlus miles are worth 1.4 cents apiece.

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.

Annual fees will vary depending on the United Airlines credit card you have. The annual fees for United Airlines credit cards are included below:

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

The information for the United Club Business 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 apply for United Airlines cards by clicking the hyperlinked card names on our page.

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.'

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.