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Our Credit Card Explorer lets you narrow down the overwhelming selection of available credit cards to only the ones that match your exact preferences.

Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

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United℠ Business Card

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(4.03) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$150

⌛ Limited Time Offer

Earn 100,000 United MileagePlus bonus miles and 2,000 PQP after spending $5,000 on qualifying purchases in the first three months of opening an account.

Bonus points for spend in the following bonus categories:

2x
Transit
Estimated Rewards Value: 2.4%
2x
Gas Stations
Estimated Rewards Value: 2.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2x
Office Supplies
Estimated Rewards Value: 2.4%
1x-2x
Airfare
Estimated Rewards Value: 1.2%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
  • Free first checked bag benefit, a savings of up to $200 per round trip (Terms apply) for every round-trip United Airlines flight you take
  • Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking

Pros

  • United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
  • Earn up to 4,000 Premier® qualifying points (PQP) towards elite status
  • Great travel and purchase protections that can help your business save when things don't go as planned

Cons

  • The annual fee is $150
  • Only provides two United Club passes per year
  • Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
Annual Fee: $150
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 20, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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United Club℠ Card

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(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$695

🎁 Bonus offer

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

(+ earn 10,000 bonus miles when you add an authorized user in the first 3 months your account is open.)

Bonus points for spend in the following bonus categories:

Earn 5X on United flights booked directly only; otherwise earn 2 miles per dollar

2x-5x
Airfare
Estimated Rewards Value: 2.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2x
Car Rentals
Estimated Rewards Value: 2.4%
2x
Transit
Estimated Rewards Value: 2.4%

Earn 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Card.

2x-5x
Hotels
Estimated Rewards Value: 2.4%
2x
Cruises
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • United Club membership for less than the cost of buying United Club membership, covering the annual fee and then some!
  • An absolute ton of benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
  • Great shopping protections, including Return Protection on top of Extended Warranty and Purchase Protection.

Pros

  • Get United Club membership for less than the cost of buying United Club membership, covering the annual fee cost and then some!
  • A ton of shopping protections, from Return Protection to Extended Warranty and Purchase Protection.
  • Tons of additional benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
  • Earn up to 28,000 Premier qualifying points per calendar year (1 PQP for every $15 you spend on purchases), up to and including the Premier 1K® level

Cons

  • High annual fee
  • Airport lounge access is limited to United Clubs and does not include any other lounges unless you qualify for All Access membership
  • Miles earned are limited to use in the United MileagePlus program
Annual Fee: $695
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 20, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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United Quest℠ Credit Card

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(4.25) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$350

🎁 Bonus offer

Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

Bonus points for spend in the following bonus categories:

Earn 4X bonus miles from this card on United flights only; otherwise earn 1X

4x-3x
Airfare
Estimated Rewards Value: 4.8%
2x
Transit
Estimated Rewards Value: 2.4%
2x
Car Rentals
Estimated Rewards Value: 2.4%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2x
Hotels
Estimated Rewards Value: 2.4%
2x
Streaming Services
Estimated Rewards Value: 2.4%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Generous United-specific perks (and unique among airline credit cards) including a $200 annual credit on United purchases, two free checked bags, and up to 10,000 miles back on award tickets.
  • Spending on the card helps you earn towards United elite status.
  • Long list of travel and purchase protections.

Pros

  • $200 annual United purchase statement credit that will help offset the $350 annual fee.
  • Up to 10,000 miles back: Automatically get 10,000 United miles back into your account after taking a United award flight, starting with your first cardmember anniversary.
  • Priority boarding and complimentary space-available upgrades when flying on award tickets if you have United elite status.

Cons

  • No airport lounge access
  • $350 annual fee is steep at first glance, but easy to maximize for semi-frequent United flyers
  • United miles are not transferable and its best uses are for United, Star Alliance, and partner flight redemptions.
Annual Fee: $350
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 20, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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United℠ Explorer Card

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(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $150

🎁 Bonus offer

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

Bonus points for spend in the following bonus categories:

2x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2x
Hotels
Estimated Rewards Value: 2.4%

Earn 3X bonus miles from this card on United flights only; otherwise earn 1X

1x-3x
Airfare
Estimated Rewards Value: 1.2%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • Stellar United-specific perks including a free checked bag, priority boarding privileges, a variety of statement credits, and two one-time United Club passes per cardmember year.
  • First year annual fee waived, then $150.
  • Long list of travel and purchase protections.

Pros

  • First free checked bag for the card holder and a companion on United Airlines flights when you pay with the card.
  • United miles can open the door to a wide array of United, Star Alliance, and partner flights.
  • Expanded access to United's lowest-priced economy award flights.

Cons

  • Not ideal for regular access to United Clubs.
  • Has a $150 annual fee after the first year.
  • Miles are not transferable and its best uses are for United, Star Alliance, and partner flight redemptions.
Annual Fee: $0 Introductory Annual Fee for the first year, then $150
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR: 19.74%-28.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 20, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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United Gateway℠ Card

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(3.75) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

☝ Increased 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

Bonus points for spend in the following bonus categories:

2x
Transit
Estimated Rewards Value: 2.4%
2x
Gas Stations
Estimated Rewards Value: 2.4%

2X applies only to United purchases. Otherwise, earn 1X

1x-2x
Airfare
Estimated Rewards Value: 1.2%
1x
Everything Else
Estimated Rewards Value: 1.2%
+
 more
  • No annual fee card
  • Save 10% or more on flights booked with miles after spending $10,000 in a calendar year
  • A wide range of trip and purchase protections and benefits

Pros

  • No Annual Fee
  • Save 10% or more on flights booked with miles after spending $10,000 in a calendar year
  • A wide range of trip and purchase protections and benefits

Cons

  • No free checked bags (unless you spend $10,000 in a calendar year) or priority boarding
  • Does not provide the "upgrades on award ticket" benefit of the other United credit cards
  • Mileage rate is not as good as many other cards and miles earned are only good in the United MileagePlus program
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

APR on Purchases: 0 % Intro APR (on purchases for 12 months, 19.74%-28.24% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 20, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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United MileagePlus Club Card

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(0) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$450

🎁 Bonus offer

There is no bonus offer at this time

Bonus points for spend in the following bonus categories:

on United Airlines only

2x
Airfare
Estimated Rewards Value: 2.4%
1.5x
Everything Else
Estimated Rewards Value: 1.8%
+
 more
  • This card has been replaced by the Chase United Club Infinite card

Pros

Cons

Annual Fee: $450
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: July 20, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more
View Table Image
Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 8 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend
View Table Image
Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

Your account has been successfully created!

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