United Airlines Credit Cards

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

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

United Club℠ Infinite Card

(4.3)

United Club℠ Infinite Card

Annual fee:

$525

Min credit score:

Excellent (800-850) *

Bonus Offer

Earn 90,000 United MileagePlus® Miles after you spend $5,000 on qualifying purchases in the first three months of opening an account.

If you would buy your own United Club membership anyway, save $100 - $200 by getting this card instead, and then reap all the additional benefits on top!

Bonus points for spend in the following categories:

4x Airfare

2x Dining Out / Food Delivery

+1 more

United℠ Business Card

(4)

United℠ Business Card

Annual fee:

$0 Introductory Annual Fee for the first year, then $99

Min credit score:

Good (670-739) *

Bonus Offer

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

A terrific business credit card that gives you the chance to earn United miles and gives you access to frequent flyer perks, like a free first checked bag and two United Club passes every year.

Bonus points for spend in the following categories:

2x Airfare

2x Dining Out / Food Delivery

+4 more

United Quest℠ Credit Card

(4.3)

United Quest℠ Credit Card

Annual fee:

$250

Min credit score:

Good (670-739) *

Bonus Offer

Earn 70,000 United MileagePlus® Miles and 500 PQP after spending $4,000 on qualifying purchases in the first three months of opening an account.

The best United card for semi-frequent flyers.

Bonus points for spend in the following categories:

3x Airfare

2x Car Rentals

+5 more

United℠ Explorer Card

(4.1)

United℠ Explorer Card

Annual fee:

$0 Introductory Annual Fee for the first year, then $95

Min credit score:

Good (670-739) *

Bonus Offer

Earn 60,000 United MileagePlus® Miles after spending $3,000 on qualifying purchases in the first three months of opening an account, plus the Annual Fee waived for the first year.

For the casual United flyer

Bonus points for spend in the following categories:

2x Airfare

2x Dining Out / Food Delivery

+2 more

United Gateway℠ Card

(3.8)

United Gateway℠ Card

Annual fee:

Min credit score:

Good (670-739) *

Bonus Offer

Earn 30,000 United MileagePlus® Miles after spending $1,000 on qualifying purchases in the first three months of opening an account, plus 0% APR on purchases within the first twelve months.

The no-annual fee offering in the Chase United credit card lineup has less features than the rest of the offerings, but the United Gateway℠ Card is not without its merits.

Bonus points for spend in the following categories:

2x Airfare

2x Gas Stations

+2 more

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 United Club Infinite Card, by contrast, caries a $525 annual fee, though it does come with United Club membership 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 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.

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September 30, 2024