Which United credit card is best for me?
Quick insights
- United offers a mix of travel-friendly credit cards designed to meet the needs of a range of travelers.
- The right card for your needs may depend on your travel frequency, benefit preferences and whether you travel for business or leisure.
- Accelerated rewards on United purchases, travel credits and free checked bags (terms apply) are among the benefits offered by some United cards.
If you fly with United Airlines, you may benefit from having a United rewards credit card. Chase United credit cards may be suitable for both frequent and occasional travelers who book with United. These cards may also be a great option for people who are looking for extras like complimentary checked bags, statement credits and more. With several cards to choose from, you just might find a United credit card that works for you.
United credit card perks
You may be wondering which United credit card is the best for you and your lifestyle. There are, as of October 2025, six United credit cards, including two business credit cards, each with a compelling set of perks. The six United Airlines credit cards include:
United Gateway℠ Credit Card
If you’re an occasional flyer who’s looking to earn miles on everyday purchases, the United Gateway℠ Card could be a good fit for your lifestyle. The card offers select perks for travelers including:
- 2 miles per $1 spent on United purchases, local transit and commuting (including rideshare) and gas stations
- 1 mile per $1 spent on all other purchases
- 25% back on United inflight purchases
- Earn 2 checked bags after you spend $10,000 on purchases in a calendar year
- MileagePlus® program benefits
Refer to the United Gateway℠ Card product page for the most up-to-date benefit details.
United℠ Explorer Card
If you fly United a few times a year but don’t have elite status, you may want to consider the United℠ Explorer Card. Cardmembers receive:
- 2 United Club℠ one-time passes after account opening and each year for your Cardmember anniversary
- Free first checked bag (terms apply)
- Priority boarding
- TSA PreCheck® or NEXUS application fee credit
- 25% back on United inflight purchases
Cardmembers can earn:
- 2 miles per $1 spent on United purchases
- 2 miles per $1 spent on dining, including eligible delivery services
- 1 mile per $1 spent on all other purchases
- Annual $100 United® travel credit after you spend $10,000 on purchases with your United℠ Explorer Card within a calendar year
- 10,000-mile award flight discount after spending $20,000 on purchases each calendar year to use toward an eligible flight
- Up to 1,000 Premier® qualifying points (PQP) per calendar year
- MileagePlus® program benefits
Refer to the United℠ Explorer Card product page for the most up-to-date benefit details.
United Quest℠ Credit Card
If you’re looking for the sweet spot between the United℠ Explorer Card and the premium United Club℠ Card, the United Quest℠ Card provides a blend of perks that may be ideal for travelers looking to redeem and earn miles.
The United Quest℠ Card offers:
- Free first and second checked bags (terms apply)
- Priority boarding
- Global Entry, TSA PreCheck® or NEXUS application fee credit
- 25% back on United inflight purchases
- 10,000-mile award flight discount annually to use toward an eligible flight
- $200 annual United travel credit after account opening and on each account anniversary
Cardmembers can earn:
- 5 total miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Quest℠ Card
- 3 miles per $1 spent on United purchases
- 2 miles per $1 spent on other travel, dining (including eligible delivery services) and select streaming services
- 1 mile per $1 spent on all other purchases
- 10,000-mile award flight discount after spending $20,000 on purchases each calendar year to use toward an eligible award flight
- 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year
- Up to 18,000 Premier® qualifying points (PQP) per calendar year
- MileagePlus® program benefits
Refer to the United℠ Quest Card product page for the most up-to-date benefit details.
United Club℠ Credit Card
A card that may be ideal for frequent travelers looking to upgrade their trip experience from start to finish, the United Club℠ Card offers an array of extras.
- The United Club℠ Card offers:
- United Club℠ card membership (at least a $750 value per year)
- Free first and second checked bags (terms apply)
- Premier Access® travel services, including priority check-in, security screening, boarding and baggage handling privileges (where available)
- Global Entry, TSA PreCheck® or NEXUS application fee credit
- 25% back on United inflight purchases
Cardmembers can also earn:
- 5 total miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Card
- 4 miles per $1 spent on United purchases
- 2 miles per $1 spent on other travel and dining (including eligible delivery services)
- 1 mile per $1 spent on all other purchases
- 10,000-mile award flight discount after $20,000 in purchases to use toward an eligible award flight—up to two times each calendar year
- Up to 28,000 Premier® qualifying points (PQP) per calendar year
- MileagePlus® program benefits
Refer to the United Club℠ Card product page for the most up-to-date benefit details.
United℠ Business Card
If you’re a business owner who travels, the United℠ Business Card could be a good choice for you.
Cardmembers are offered:
- 2 United Club℠ one-time passes after account opening and each year for your Cardmember anniversary
- Free first checked bag (terms apply)
- Priority boarding
- 25% back on United inflight purchases
Cardmembers can earn:
- 2 miles per $1 spent on United purchases
- 2 miles per $1 spent on dining, including eligible delivery services
- 2 miles per $1 spent at gas stations
- 2 miles per $1 spent at office supply stores
- 2 miles per $1 spent on local transit and commuting
- 1 mile per $1 spent on all other purchases
- $125 United travel credit after making 5 United flight purchases of $100 or more each calendar year
- 2 continental U.S. Economy Plus® seat upgrades after spending $25,000 on purchases each calendar year
- Up to 4,000 Premier® qualifying points (PQP) per calendar year
- MileagePlus® program benefits
Refer to the United℠ Business Card product page for the most up-to-date benefits details.
United Club℠ Business Card
The United Club℠ Business Card may be a good option for business owners who fly with United and are looking to travel with less stress and more perks.
United Club℠ Business cardmembers receive:
- United Club℠ card membership (at least a $750 value per year)
- Free first and second checked bags (terms apply)
- Premier Access® travel services, including priority check-in, security screening, boarding and baggage handling privileges (where available)
- Global Entry, TSA PreCheck® or NEXUS application fee credit
- 25% back on United inflight purchases
Cardmembers may earn:
- 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Business Card
- 2 miles per $1 spent on United purchases
- 1.5 miles per $1 spent on all other purchases
- 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year
- Up to 28,000 Premier® qualifying points (PQP) per calendar year
- MileagePlus® program benefits
Refer to the United Club℠ Business Card product page for the most up-to-date benefit details.
Which United credit card should I choose?
When deciding which United credit card might be right for you, consider how often you fly with United and your travel benefit preferences.
With cards for different lifestyles, there may be a United card for you. And whatever choice you make, using a United credit card could be a smart way to earn miles and travel rewards.
