The 6 Best United Airlines Credit Cards [2023]

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Chase and United Airlines have five co-branded cards which lets you earn MileagePlus miles for spending. You can then redeem your MileagePlus miles towards United flights, partner flights, merchandise, lounge access, and many more. 

Additionally, the cards don’t just earn miles, they also come with travel perks like free checked bags, complimentary TSA PreCheck membership, priority services, and in-flight discounts.

United’s credit card line up consists of a basic no-annual-fee card, a premium card with a higher annual fee, and three mid-tier cards with varying in-between annual fees.

So whether you’re an occasional or a frequent United flyer, you can find the best United credit card that will suite your needs. We have a lot to discuss, let’s dive right into the article. 

Best Value: United℠ Explorer Card

Best for Lounge Access: United Club℠ Infinite Card 

Best for Business Travelers: United℠ Business Card

1. United℠ Explorer Card

Best Value

2 United Club One-Time Passes Plus Free Checked Bags
United℠ Explorer Card
  • Earn 50,000 United Miles After Spending $3,000 in the First 3 Months
  • 2X Miles on United Purchases, Dining, and Hotel Stays
  • 2 United Club One-Time Passes Per Year
  • Free First Checked Bags for Two People
  • $100 Global Entry, TSA PreCheck, or Nexus Credit
  • 25% Savings on United In-Flight Food and Drinks
  • Priority Boarding
  • Primary Rental Car and Trip Delay Insurance
  • $0 Intro Annual Fee, Then $95 Per Year

Click Here to Learn How to Apply

The Chase United℠ Explorer Card is one of my favorite cards to keep long-term because of the great benefits when flying United, including:

  • Free first checked bag when you pay using the Explorer card;
  • Two free United Club passes each account anniversary;
  • Priority boarding for you and companions on the same reservation; 
  • Extra award space when redeeming your United miles;
  • 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United; and
  • Premier upgrades on award tickets.

The Explorer card also allows you to save money by booking a basic economy ticket, while still getting the ability to bring a free carry-on or checked bag.

2. United Club℠ Infinite Card

Best for Lounge Access

United Club Membership and IHG Platinum Status
United Club℠ Infinite Card
  • Earn 80,000 United Miles After Spending $5,000 in the First 3 Months
  • 4X Miles on United Purchases
  • 2X Miles on Dining, Travel, Transit, and Rideshare
  • United Club Airport Lounge Access
  • IHG Platinum and Avis President’s Club Elite Status
  • Free First and Second Checked Bags
  • Primary Rental Car Insurance
  • Trip Delay and Trip Cancellation/Interruption Insurance
  • $525 Annual Fee

Click Here to Learn How to Apply

The Chase United Club Infinite offers United Club membership for the primary cardholder if you have a same-day boarding pass for travel on United, a Star Alliance partner, or a contracted partner.

You can also bring two adults or one adult and dependent children under 21 years of age as guests.

The card also offers 4 miles per dollar spent on United purchases, 2 miles per dollar spent on travel and dining, and 1 mile per dollar spent on all other purchases.

Plus, you and one companion can get your first and second checked bags free on United-operated flights when you buy the tickets with your card.

3. United℠ Business Card

Best for Business Travelers

75,000 Miles
United℠ Business Card
  • Earn 75,000 Miles after Spending $5,000 in the First 3 Months
  • 2X Miles for United Airlines, Dining, Gas Stations, Office Supply Stores, Local Transit, and Commuting
  • 2 United Club One-Time Passes Per Year
  • $100 United Travel Credit
  • Free First Checked Bags and Priority Boarding
  • Primary Rental Car Insurance
  • Trip Delay and Trip Cancellation/Interruption Insurance
  • $0 Intro Annual Fee, $99 Annual Fee Thereafter

Click Here to Learn How to Apply

The United℠ Business Card currently offers a welcome bonus of 75,000 miles after spending $5,000 within three months.

The United Business card offers nice perks on United Airlines, including:

  • Two United Club lounge passes annually;
  • Priority boarding for you and your companions;
  • Free first checked bag for you and one companion on the same reservation;
  • 25% back on in-flight purchases in the form of statement credits;
  • $100 Annual Travel Credit if you make at least seven United flight travel-related purchases, each totaling at least $100;
  • Anniversary bonus of 5,000 miles;
  • Premier upgrades on award tickets; 
  • Expanded award availability; and
  • Ability to earn Premier Qualifying Points for United elite status with spending.

4. Chase United Quest℠ Card

Best for Upgraded Benefits

United Quest℠ Card
  • Earn 60,000 United Bonus Miles + 500 Premier Qualifying Points for Spending $4,000 in the First 3 Months
  • 3X Miles on United Airlines
  • 2X Miles on Dining, Streaming, and Other Travel
  • $125 Annual United Statement Credit
  • Global Entry/TSA PreCheck Credit
  • Two 5,000-Mile Anniversary Award Flight Credits
  • Free First and Second Checked Bags
  • Priority Boarding
  • Primary Rental Car Insurance
  • $250 Annual Fee

Click Here to Learn How to Apply

The Chase United Quest℠ Card is a travel rewards card that offers great benefits for frequent United Airlines flyers.

The Quest Card comes with several nice benefits to help offset the $250 annual fee:

$125 Credit: Each anniversary year, cardholders will receive a $125 annual United purchase statement credit that will help offset the $250 annual fee.

Up to 10,000 Miles back: Automatically get 5,000 United miles back into your account after taking a United award flight up to two times per anniversary year.

Two Free Checked Bags: Cardholders get up to two free checked bags for you and a companion on the same reservation when you purchase the flight with the Quest card.

5. Chase United Gateway℠ Card

Best for No Annual Fees

No Annual Fee
United Gateway℠ Card
  • Earn 20,000 United Bonus Miles for Spending $1,000 in the First 3 Months
  • 2X Miles on United Purchases, at Gas Stations, Local Transit, Ridesharing, and Commuting
  • 25% Savings on United In-Flight Food and Drinks
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Chase United Gateway℠ Card is a good option if you’re looking for a no-annual-fee credit card that earns United Airlines miles.

With this card, you’ll earn 2 miles per $1 spent on United purchases, as well as at gas stations, local transit, ridesharing, and commuting.

Plus, you’ll get 1 mile per $1 spent on all other purchases. There’s no annual fee with this card, so it’s a good option for budget-minded travelers.

Bonus: Chase Sapphire Preferred® Card

Best for Transferrable Points

Great Starter Travel Card
Chase Sapphire Preferred® Card
  • Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
  • 2x Points on All Other Travel Purchases
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases. 

Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription, and a $50- anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

If you’re wondering why we included the Chase Sapphire Preferred on this list, it’s because Chase Ultimate Rewards and United MileagePlus are transfer partners.

Points can be transferred at a 1:1 ratio so if you transfer 100,000 Ultimate Rewards points to United, you’ll get 100,000 MileagePlus points in return.

Not to mention, Ultimate Rewards points can also be transferred to more Chase Ultimate Rewards transfer partners, which includes major loyalty programs such as Air Canada, Marriott Bonvoy, British Airways, and Southwest Airlines. 

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