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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

United Business Card

Annual Fee: $99

Estimated Bonus Value :

$1,200

Calculator

Annual Fee: $99

Calculator
Estimated Bonus Value :

$1,200

Offer: 100,000 bonus United MileagePlus miles when you spend $10,000 in your first 3 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.

The United Business Card offers bonus categories of 2x on office supply stores, restaurants, and gas stations, local transit and commuting, including taxicabs, mass transit, tolls, and ride share services 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.

Additional benefits:

  • $100 annual United travel credit after 7 United purchases over $100
  • Receive 5,000 bonus miles each card anniversary if you have both the United Business card and a personal United credit card
  • Get 25% back on United inflight purchases

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.

Also, if you used our rewards optimizer tool and are seeing this in your results, "Other Travel" refers to local transit and commuting - including taxis, mass transit, tolls, and ride share services.

Bonus Eligibility: 

This card has replaced the United MileagePlus Explorer Business Card and is considered a new / different card for purposes of the bonus. If you have/had the United MileagePlus Explorer Business Card, you can still get this bonus.

Per the Chase website: This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.

Also Note: You will only be approved for a Chase card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One and Discover, but are subject to the policy). Learn more about the 5/24 rule here.

Offer: 100,000 bonus United MileagePlus miles when you spend $10,000 in your first 3 months.
Credit card

United Explorer Card

Annual Fee: $95

Estimated Bonus Value :

$480

Calculator

Annual Fee: $95

Calculator
Estimated Bonus Value :

$480

Offer: 40,000 bonus United MileagePlus miles after you spend $2,000 within your first 3 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: 40,000 bonus United MileagePlus miles after you spend $2,000 within your first 3 months
Credit card

United Club Infinite Card

Annual Fee: $525

Estimated Bonus Value :

$0

Calculator

Annual Fee: $525

Calculator
Estimated Bonus Value :

$0

Offer: The $525 annual fee is waived the first year.

Includes United Club membership, two free checked bags, Premier Access (including priority boarding, priority check-in, priority baggage handling, etc), and expanded award availability.

The card also provides a Global Entry / PreCheck credit of up to $100

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, which earns 4X. 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: The $525 annual fee is waived the first year.

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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