United Airlines Credit Cards

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

The United Club Infinite Card, by contrast, caries a $695 annual fee, though it does come with United Club membership (and an added bonus of an adult guest plus dependent children included which United Club memberships on their own no longer include) and a TON of extra benefits, more than outweighing that annual fee.

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 transferred 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.