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United Credit Cards from Chase

The following United Airlines co-branded credit cards all offer benefits like free checked bags, priority boarding, and expanded saver award availability.

For most consumers, the standard United Explorer Card is the best choice while small business owners should consider the United MileagePlus Explorer Business Card.

The Club Card, by contrast, caries a $450 annual fee, though it does come with United Club membership.

Many people would likely do better with a Credit Card That Earns Chase Ultimate Rewards Points, which are generally earned at a faster rate and can be transfered to United 1:1 (as well as a range of other transfer partners). Note that you would need one of the Chase cards with an annual fee, like the Chase Sapphire Preferred, the Chase Sapphire Reserve, or the Chase Ink Business Preferred in order to be able to transfer the points.

The main reason to get the United cards would be if you travel with United a few times a year and check bags, meaning that you will save more on the free checked bags than you pay in annual fees, or if you value the expanded saver award availability.

You can also use the Your Best Credit Cards “rewards optimization calculator” to find the best card for your spend.

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our 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 have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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3 Cards Available:

Credit card
Estimated Bonus Value :

$1,300

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Annual Fee: $95

Calculator
Estimated Bonus Value :

$1,300

Offer: Up to 100,000 Miles: Get 50,000 bonus United MileagePlus miles when you spend $5,000 in your first 3 months and 50,000 more bonus miles if you spend $25,000 in total within 6 months.

Allows for a free checked bag, priority boarding, 2 United Club one-time passes each card anniversary, the Luxury Hotel and Resort Collection, access to United MileagePlus events, and expanded economy award availability. It offers bonus categories of 2x on office supply stores, restaurants, and gas stations, as well as on United itself, of course. It also offers 10,000 bonus miles and a PQD waiver upon spending $25,000. Perhaps best of all, cardholders get access to expanded saver award availability.

Need to Know: The calculations for this card assume that your "airfare" spend is on United only. If a portion of your airline spend is on other airlines, your reward values will be slightly lower than stated.

Offer: Up to 100,000 Miles: Get 50,000 bonus United MileagePlus miles when you spend $5,000 in your first 3 months and 50,000 more bonus miles if you spend $25,000 in total within 6 months.
Credit card

United Explorer Card

Annual Fee: $95

Estimated Bonus Value :

$845

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Annual Fee: $95

Calculator
Estimated Bonus Value :

$845

Offer: Earn up to 65,000 Bonus United Mileage Plus Miles: 40,000 bonus miles after you spend $2,000 in your first 3 months and 25,000 additional bonus miles after you spend $10,000 total in your first 6 months.

This United card offers a free checked bag for you and a travel companion (must pay with card) and priority boarding. You get two one-time United Club passes per card year, the Luxury Hotel and Resort Collection, and access to both Inside Access events and United MileagePlus Events. You earn 2x at restaurants, hotels purchased directly, and, of course, United. You can earn a PQD status waiver with $25,000 spend and, best of all, this card entitles you to expanded saver award availability on United flights.

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on United and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn up to 65,000 Bonus United Mileage Plus Miles: 40,000 bonus miles after you spend $2,000 in your first 3 months and 25,000 additional bonus miles after you spend $10,000 total in your first 6 months.
Credit card

United MileagePlus Club Card

Annual Fee: $450

Estimated Bonus Value :

$650

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Annual Fee: $450

Calculator
Estimated Bonus Value :

$650

Offer: 50,000 bonus United miles when you spend $3,000 in 3 months

Includes United Club membership, two free checked bags, Premier Access (including priority boarding, priority check-in, priority baggage handling, etc), no close-in award booking fees, and expanded award availability.

You'll also receive top tier Hertz President's Circle Elite status, access to the Luxury Hotel and Resort Collection, and access to both Inside Access events and United MileagePlus events. This card earns 2x miles on United and 1.5x on everything else. You can earn a PQD waiver with $25,000 spend.

NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United. If part of that spend is on other airlines, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: 50,000 bonus United miles when you spend $3,000 in 3 months

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