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United flyers are spoiled for choice when it comes to airline credit cards. United’s six co-branded Chase cards include perks like lounge access, free checked bags, and priority boarding, as well as earning bonus miles on everyday purchases.

Looking beyond just United-branded cards, the ability to transfer Chase Ultimate Rewards® points to the United MileagePlus frequent flyer program means that cards like the Chase Sapphire Reserve® and Ink Business Preferred® Credit Card are also strong contenders thanks to great earning rates and travel protections.


Best if you’re not loyal to United

Chase Sapphire Preferred® Card

4.4/5

Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
$95
Annual Fee

View Full Details

Best if you’re not loyal to United

Chase Sapphire Preferred® Card

4.4/5

Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
$95
Annual Fee

View Full Details
$95
Annual Fee
On Chase’s website

Chase Sapphire Preferred® Card

Best if you’re not loyal to United
Details
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Show more
Regular Annual Percentage Rate (APR)
20.24% – 27.24% Variable
Editor’s Rating

4.4/5

Show more
Pros & Cons
Highlights

The Best United Credit Cards of 2023

  • Chase Sapphire Preferred® Card: Best if you’re not loyal to United
  • Chase Sapphire Reserve®: Best premium travel card if you’re not loyal to United
  • United℠ Explorer Card: Best United credit card for non-elite flyers
  • United Quest℠ Card: Best for travelers who check bags
  • United℠ Business Card: Best United Airlines credit card for business travelers
  • United Club℠ Infinite Card: Best for United Club airport lounge access
  • United Gateway℠ Card: Best for budget travelers
  • Ink Business Preferred® Credit Card: Best for road warriors
  • The Platinum Card® from American Express
    : Best for fancy flyers
  • Bilt Mastercard®: Best for renters

Here are the best credit cards for United Airlines flyers to consider.

Compare the Best United Credit Cards


Best if you’re not loyal to United

Chase Sapphire Preferred® Card

4.4/5

Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
$95
Annual Fee

View Full Details


Best if you’re not loyal to United

Chase Sapphire Preferred® Card

4.4/5

Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
$95
Annual Fee

View Full Details
$95
Annual Fee
On Chase’s website

Chase Sapphire Preferred® Card

Best if you’re not loyal to United
Details
Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.
Annual Fee
$95
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
Recommended Credit
Good to Excellent
Show more
Regular Annual Percentage Rate (APR)
20.24% – 27.24% Variable
Editor’s Rating

4.4/5

Show more
Pros & Cons
Highlights


Best if you’re not loyal to United

Chase Sapphire Reserve®

4.4/5

Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
$550
Annual Fee

View Full Details


Best if you’re not loyal to United

Chase Sapphire Reserve®

4.4/5

Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
$550
Annual Fee

View Full Details
$550
Annual Fee
On Chase’s website

Chase Sapphire Reserve®

Best if you’re not loyal to United
Details
Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.
Annual Fee
$550
Intro offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Show more
Regular Annual Percentage Rate (APR)
21.24% – 28.24% Variable
Editor’s Rating

4.4/5

Show more
Pros & Cons
Highlights
Additional Reading

Best United credit card for non-elite flyers

United℠ Explorer Card

4.15/5

Intro offer
50,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening
Rewards
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
$0 intro for the first year, then $95
Annual Fee

View Full Details


Best United credit card for non-elite flyers

United℠ Explorer Card

4.15/5

Intro offer
50,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening
Rewards
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
$0 intro for the first year, then $95
Annual Fee

View Full Details
$0 intro for the first year, then $95
Annual Fee
On Chase’s website

United℠ Explorer Card

Best United credit card for non-elite flyers
Insider’s Take
Details
Rewards
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases and 1 mile per $1 spent on all other eligible purchases.
Annual Fee
$0 intro for the first year, then $95
Intro offer
50,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.74% – 27.74% Variable
Editor’s Rating

4.15/5

Pros & Cons
Highlights
Additional Reading

Best for travelers who check bags

United Quest℠ Card

4.25/5

Intro offer
60,000 bonus miles + 500 Premier qualifying points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.
$250
Annual Fee

View Full Details


Best for travelers who check bags

United Quest℠ Card

4.25/5

Intro offer
60,000 bonus miles + 500 Premier qualifying points after you spend $4,000 on purchases in the first three months from account opening
Rewards
Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.
$250
Annual Fee

View Full Details
$250
Annual Fee
On Chase’s website

United Quest℠ Card

Best for travelers who check bags
Details
Rewards
Earn 3x miles on United® purchases, 2x miles on dining, select streaming services & all other travel, 1x on all other purchases.
Annual Fee
$250
Intro offer
60,000 bonus miles + 500 Premier qualifying points after you spend $4,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.74% – 27.74% Variable
Editor’s Rating

4.25/5

Pros & Cons
Highlights
Additional Reading

Best United Airlines credit card for business travelers

United℠ Business Card

4.2/5

Intro offer
75,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening
Rewards
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.
$0 intro for the first year, then $99
Annual Fee

View Full Details


Best United Airlines credit card for business travelers

United℠ Business Card

4.2/5

Intro offer
75,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening
Rewards
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.
$0 intro for the first year, then $99
Annual Fee

View Full Details
$0 intro for the first year, then $99
Annual Fee
On Chase’s website

United℠ Business Card

Best United Airlines credit card for business travelers
Details
Rewards
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.
Annual Fee
$0 intro for the first year, then $99
Intro offer
75,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.74% – 27.74% Variable
Editor’s Rating

4.2/5

Pros & Cons
Highlights
Additional Reading

Best for United Club airport lounge access

United Club℠ Infinite Card

4.4/5

Intro offer
80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening
Rewards
Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.
$525
Annual Fee

View Full Details


Best for United Club airport lounge access

United Club℠ Infinite Card

4.4/5

Intro offer
80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening
Rewards
Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.
$525
Annual Fee

View Full Details
$525
Annual Fee
On Chase’s website

United Club℠ Infinite Card

Best for United Club airport lounge access
Details
Rewards
Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.
Annual Fee
$525
Intro offer
80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening
Recommended Credit
Excellent
Regular Annual Percentage Rate (APR)
20.74% – 27.74% Variable
Editor’s Rating

4.4/5

Pros & Cons
Highlights
Additional Reading
United Gateway℠ Card

3.5/5

Intro offer
20,000 bonus miles after you spend $1,000 on purchases in the first three months from account opening
Rewards
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
$0
Annual Fee

View Full Details


Best for budget travelers

United Gateway℠ Card

3.5/5

Intro offer
20,000 bonus miles after you spend $1,000 on purchases in the first three months from account opening
Rewards
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
$0
Annual Fee

View Full Details
$0
Annual Fee
On Chase’s website

United Gateway℠ Card

Best for budget travelers
Details
Rewards
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases.
Annual Fee
$0
Intro offer
20,000 bonus miles after you spend $1,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.74% – 27.74% Variable
Intro Annual Percentage Rate (APR)
0% intro APR on purchases for 12 months
Editor’s Rating

3.5/5

Pros & Cons
Highlights
Additional Reading

Best for road warriors

Ink Business Preferred® Credit Card

4.5/5

Intro offer
100,000 points after spending $15,000 on purchases in the first three months from account opening
Rewards
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.
$95
Annual Fee

View Full Details


Best for road warriors

Ink Business Preferred® Credit Card

4.5/5

Intro offer
100,000 points after spending $15,000 on purchases in the first three months from account opening
Rewards
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.
$95
Annual Fee

View Full Details
$95
Annual Fee
On Chase’s website

Ink Business Preferred® Credit Card

Best for road warriors
Details
Rewards
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.
Annual Fee
$95
Intro offer
100,000 points after spending $15,000 on purchases in the first three months from account opening
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
20.24% – 25.24% Variable
Editor’s Rating

4.5/5

Pros & Cons
Highlights
Additional Reading

Best for fancy flyers

The Platinum Card® from American Express

4.4/5

Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
$695
Annual Fee

View Full Details


Best for fancy flyers

The Platinum Card® from American Express

4.4/5

Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
$695
Annual Fee

View Full Details
$695
Annual Fee
On American Express’s website

The Platinum Card® from American Express

Best for fancy flyers
Details
Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.
Annual Fee
$695
Show more
Intro offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Pay Over Time APR
Intro Annual Percentage Rate (APR)
N/A
Editor’s Rating

4.4/5

Show more
Pros & Cons
Highlights
Additional Reading

Best for renters

Bilt Mastercard®

4/5

Intro offer
N/A
Rewards
Earn 3X point on dining. Earn 2X point on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1X points on rent payments (up to $50,000 each year). Earn points when you make 5 transactions that post each statement period.
$0
Annual Fee

View Full Details


Best for renters

Bilt Mastercard®

4/5

Intro offer
N/A
Rewards
Earn 3X point on dining. Earn 2X point on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1X points on rent payments (up to $50,000 each year). Earn points when you make 5 transactions that post each statement period.
$0
Annual Fee

View Full Details
$0
Annual Fee
On Bilt’s website

Bilt Mastercard®

Best for renters
Details
Rewards
Earn 3X point on dining. Earn 2X point on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1X points on rent payments (up to $50,000 each year). Earn points when you make 5 transactions that post each statement period.
Annual Fee
$0
Intro offer
N/A
Recommended Credit
Good to Excellent
Regular Annual Percentage Rate (APR)
See Terms
Editor’s Rating

4/5

Pros & Cons
Highlights
Additional Reading
Compare the best cards for United Airlines flyers
  • United Gateway℠ Card
  • United℠ Explorer Card
  • United Quest℠ Card
  • United℠ Business Card
  • United Club℠ Infinite Card
  • Chase Sapphire Preferred® Card
  • Chase Sapphire Reserve®
  • Ink Business Preferred® Credit Card
  • The Platinum Card® from American Express
  • Bilt Mastercard®
Intro Offer
20,000 bonus miles after you spend $1,000 on purchases in the first three months from account opening

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

Annual Fee
$0

Intro Offer
50,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening

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

Annual Fee
$0 intro for the first year, then $95

Intro Offer
60,000 bonus miles + 500 Premier qualifying points after you spend $4,000 on purchases in the first three months from account opening

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

Annual Fee
$250

Intro Offer
75,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening

Rewards
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.

Annual Fee
$0 intro for the first year, then $99

Intro Offer
80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening

Rewards
Earn 4 miles per $1 spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. Earn 2 miles per $1 spent on all other travel. Earn 2 miles per $1 spent on dining including eligible delivery services. Earn 1 mile per $1 spent on all other purchases.

Annual Fee
$525

Intro Offer
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening

Rewards
Earn 5x points on all travel purchased through Chase Ultimate Rewards. Earn 3x points on dining, including eligible delivery services, takeout, and dining out. Earn 3x points on select streaming services. Earn 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs). Earn 2x points on other travel. Earn 1x point per dollar on everything else.

Annual Fee
$95

Intro Offer
60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening

Rewards
Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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.

Annual Fee
$550

Intro Offer
100,000 points after spending $15,000 on purchases in the first three months from account opening

Rewards
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.

Annual Fee
$95

Intro Offer
80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership

Rewards
Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

Annual Fee

$695

See Rates and Fees
Show more

Intro Offer
N/A

Rewards
Earn 3X point on dining. Earn 2X point on travel (when booked directly with an airline, hotel, car rental or cruise company). Earn 1X points on rent payments (up to $50,000 each year). Earn points when you make 5 transactions that post each statement period.

Annual Fee
$0

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On American Express’s website


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On Bilt’s website

Best United Airlines Credit Cards Frequently Asked Questions


What credit score do you need for a United Airlines credit card?

Most United co-branded cards require at least a good credit score to be approved, which means a FICO score of at least 670.

Some cards, like the premium United Club℠ Infinite Card, are more likely to approve you with an excellent credit score — that is, anything above an 800 FICO score.

You can read about how to improve your credit score and why using credit cards can help boost your score if you’re still working on building your credit history.


Is a United credit card worth it?

United credit cards are worth it if you fly with the airline or are focused on earning United miles. The right card for you really depends on how often you fly United and whether or not you value benefits like airport lounge access and free checked bags.

United miles are useful even if you don’t fly United often. You can redeem them for flights on United and Star Alliance carriers including Air Canada, Lufthansa, and Singapore Airlines, or non-alliance partners like Aer Lingus and Hawaiian Airlines.

The best card for your needs depends on the benefits you will value and use the most, and which card’s earning rates you’ll be able to maximize with your typical travel and spending activity.

Most occasional flyers will do best with the United℠ Explorer Card, since it offers the most benefits for a modest annual fee. But if you fly United more often, a premium card like the United Club℠ Infinite Card could be a better fit.


Who is eligible for United credit cards?

The co-branded United credit cards fall under the Chase 5/24 rule, which means if you’ve opened five or more cards in the past 24 months (from any bank), you won’t be eligible.

You also won’t qualify for a specific United card if you already have that exact card or have received its welcome bonus offer in the past 24 months. That said, each of the United cards is considered a different product, so you can have more than one United card — for example, the United℠ Business Card and the United Quest℠ Card.


Do United miles expire?

United Airlines miles do not expire, so you can earn miles now and use them whenever you want in the future.


Do United credit cards pay for Global Entry?

The United℠ Explorer Card, United Quest℠ Card, and United Club℠ Infinite Card offer a statement credit for the Global Entry, TSA PreCheck, or NEXUS application fee every four years. The business versions of the cards and the no-annual-fee United Gateway℠ Card do not.


What credit card points transfer to United Airlines?

You can transfer Chase Ultimate Rewards points at a 1:1 ratio to United — plus 13 other airline and hotel partners — as long as you have the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card.

Bilt Rewards recently added United as a 1:1 transfer partner. You can earn Bilt points from the Bilt Mastercard®.

Best if You’re Not Loyal to United

Chase Sapphire Preferred® Card or Chase Sapphire Reserve®

Although it’s not a United co-branded card, the Chase Sapphire Preferred® Card presents a few compelling reasons for United flyers to carry it. It earns Ultimate Rewards points, which transfer instantly at a 1:1 ratio to United MileagePlus miles, so your purchase activity can easily earn you award travel on the airline.

These points also transfer to several other airlines including Southwest, Air Canada, British Airways, and JetBlue, so you’ll gain flexibility by earning Ultimate Rewards points instead of just United miles.

The card earns 5 points on travel purchased through Chase Ultimate Rewards and 2 points on all other travel purchases, including airline tickets. That means you can rack up extra points not just on United tickets and at hotels like with the United℠ Explorer Card, but on all airline purchases, as well as on things like train tickets, parking, rideshares, and more.

If you’re a very frequent traveler, you could also consider the Chase Sapphire Reserve®. It’s now harder to recommend this card to everyone since the annual fee increased to $550, but it still offers some great benefits, including 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (after earning the $300 travel credit), 10x points on Lyft rides through March 2025, 3x points on other travel and dining, and up to $300 in statement credits for travel purchases each year.

It’s also offering a welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

If you’re unsure which option is best for you, read our comparison of the Chase Sapphire Preferred and Chase Sapphire Reserve for a thorough breakdown.

Chase Sapphire Preferred Card Review

Chase Sapphire Reserve Credit Card Review

Best United Credit Card for Non-Elite Flyers

United℠ Explorer Card

If you fly United a few times a year but don’t have elite status, the United℠ Explorer Card is probably your best all-around option, with an annual fee of $0 intro for the first year, then $95. It currently comes with a bonus of 50,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening.

That’s because the card offers elite-style perks like a free checked bag for the cardholders and a companion on the same reservation (when you pay with the card), priority boarding, and a 25% discount on inflight food, beverage, and Wi-Fi purchases. Cardholders also receive two one-time United Club passes each anniversary year, which can help lighten day-of-travel stress on the occasional trip.

The card is a good earner in general, accruing 2x miles not just on United purchases, but also on dining and hotel stays. It earns 1 mile per dollar on everything else. When it comes time to put those miles to use, cardholders can also access expanded award ticket availability, which can save tens of thousands of miles on some trips.

United Explorer Card Review

Best for Travelers Who Check Bags

United Quest℠ Card

The United Quest℠ Card offers a welcome bonus of 60,000 bonus miles + 500 Premier qualifying points after you spend $4,000 on purchases in the first three months from account opening.

The United Quest℠ Card is the least expensive United co-branded card that offers a free first and second checked bag, making it ideal for those who check multiple bags. United charges $35 for a first checked bag and $45 for the second, so if you check bags frequently, these fees can put a big dent in your travel budget.

Although the card has a $250 annual fee, taking advantage of this benefit can more than offset the yearly cost. Cardholders receive the first and second checked bag free for themselves and one companion on the same reservation (though you need to use the card to pay for your ticket, or the taxes and fees on an award ticket). On a single round-trip itinerary, two people could save a total of $320 if they each check two bags.

Cardholders also receive priority boarding, up to $125 annually in statement credits toward United purchases, up to two 5,000-mile award flight credits per year after the first card anniversary, and valuable travel and purchase protections including primary car rental insurance.

United Quest Card Review

Best United Airlines Credit Card for Business Travelers

United℠ Business Card

If you already carry a United personal credit card or are simply looking for a small-business credit card for your work needs, the United℠ Business Card is a great choice for a number of reasons. It’s currently offering 75,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.

This card has an annual fee of $0 intro for the first year, then $99. It also fields some interesting bonus earning opportunities, racking up 2 miles per dollar on United purchases as well as at restaurants, gas stations, local transit and commuting, and office supply stores.

Cardholders and a companion can check a bag for free when traveling on United, and receive priority boarding privileges. They also get two one-time United Club passes each anniversary year.

United Business Card Review

Best for United Club Airport Lounge Access

United Club℠ Infinite Card

The United Club℠ Infinite Card is currently offering a welcome bonus of 80,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.

If you’re a frequent United flyer and value access to United Club lounges, the United Club℠ Infinite Card is the best card for you. Its annual fee is $525, but that’s still less than what most travelers would pay for a United Club membership each year. The other thing worth noting is that it is full club membership, not just access, so cardholders can bring in guests.

Cardholders and a companion on the same reservation can check up to two bags for free and enjoy Premier Access priority check-in, security screening, and boarding. The card earns 4 miles per dollar on United purchases, which is pretty stellar.

United Club Infinite Card Review

Best for Budget Travelers

United Gateway℠ Card

If you prefer to avoid an annual fee, the United Gateway℠ Card could be the first option for you. It doesn’t offer much in the way of extra perks, but it does earn 2x miles on United purchases, and on gas stations, and local transit. And it’s also offering a bonus of 20,000 bonus miles after you spend $1,000 on purchases in the first three months from account opening.

Though you won’t get free checked bags or priority boarding, the card does offer 25% savings on inflight food, beverage, and Wi-Fi purchases. It also waives foreign transaction fees, and having this card gets you access to expanded award availability, just like other United cards with an annual fee.

United Gateway Credit Card Review

Best for Road Warriors

Ink Business Preferred® Credit Card

Like the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, the Ink Business Preferred® Credit Card earns Ultimate Rewards points that you can transfer to United MileagePlus, among other airline and hotel programs.

Not only is it offering a welcome bonus of 100,000 points after spending $15,000 on purchases in the first three months from account opening, but it also racks up a phenomenal 3 points per dollar on the first $150,000 total spent in combined purchases on travel, shipping, internet, cable, phone services, and advertising on social media sites and search engines each account year (then 1x).

In short, if you’re a small-business owner whose spending habits fit into these categories, you could make a killing on points and then transfer them to United for award travel, among several great ways to redeem the points from the Ink Business Preferred’s welcome bonus.

Aside from that, you can also just redeem Ultimate Rewards points earned with this card directly for reservations made through the Chase travel portal at a rate of 1.25 cents apiece, which could make sense for some cheap airline tickets on United. The card also waives foreign transaction fees and comes with primary insurance on car rentals for business purposes.

Chase Ink Business Preferred Card Review

Best for Fancy Flyers

The Platinum Card® from American Express

Ostensibly, The Platinum Card® from American Express does not offer any direct benefits for United flyers. But if you look beyond its obvious perks, there are plenty of reasons to consider it.

Although Amex Membership Rewards points don’t transfer to United MileagePlus, they do convert to miles with Air Canada Aeroplan, Avianca LifeMiles, and Singapore Airlines KrisFlyer, all of which you can redeem for award travel on United (and often at better rates than United MileagePlus itself offers).

The public welcome offer for this card is currently 80,000 Membership Rewards® points after spending $6,000 on purchases in the first six months of card membership.

The Platinum Card accrues 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), which makes it the top earner in this category. It also includes up to $200 per year in statement credits toward airline incidentals** like checked bags, seat assignments, and club lounge passes, so for occasional United flyers without elite status, this is a big benefit.

Although it won’t get you into United Clubs, it does grant access to Priority Pass lounges around the world** as well as Amex’s own Centurion Lounges, so you can usually find a quiet place to work or relax before flights no matter where you travel. Those are just a few of the card’s benefits, but there are plenty more to take advantage of.

American Express Platinum Card Review

Best for Renters

Bilt Mastercard®

Bilt Rewards is a unique program that gives you the ability to pay rent with a credit card without exorbitant service charges. To boot, you’ll earn points which can be converted into hotel points and airline miles — including United Airlines.

The $0 annual fee Bilt Mastercard® earns these rewards for non-rent expenses, as well:

  • 3 points per dollar on dining (including food delivery services like Uber Eats and GrubHub)
  • 2 points per dollar on travel booked directly with airlines, hotels, car rentals, or cruise lines
  • 1 point per dollar on rent payments (with no fees) on up to $50,000 in rent payments every year
  • 1 point per dollar on all other purchases

As you can see, these bonus categories are exceptionally useful. Bilt also has a monthly promotion called “Rent Day.” On the first day of each month, you’ll earn double points on non-rent expenses (capped at 10,000 points each Rent Day).

Bilt Mastercard Card Review

For rates and fees of The Platinum Card® from American Express, please click here.

**Enrollment required.

For rewards and benefits of the Bilt Mastercard, please click here.