Which United credit card is right 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, cardmember 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 free checked bags (terms apply), statement credits and more.
With several cards to choose from, you might find a United credit card that works for you. Read on to learn more about the different United cards offered by Chase and their perks and benefits.
United credit card perks
You may be wondering which United credit card is the best for you and your lifestyle. There are, as of February 2026, six United credit cards—including two business credit cards—each with a compelling set of perks. Annual fees and cardmember benefits vary by card.
The United Airlines credit card options 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:
- 5x total miles on eligible United flights (3x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 2x miles on entire United purchase with United GatewaySM Card)
- 2x miles on all other eligible United purchases
- 2x miles on local transit and commuting (including rideshares), and at gas stations
- 1x mile on all other purchases
- 25% back on United inflight purchases
- Two checked bags after you spend $10,000 on purchases in a calendar year
- MileagePlus® program benefits
Refer to the United GatewaySM 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, the United℠ Explorer Card may be right for you. Cardmembers receive:
- Two 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:
- 9x total miles on eligible United flights (6x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 3x miles on entire United purchase with UnitedSM Explorer Card)
- 3x miles on all other eligible United purchases
- 2x miles on dining, including eligible delivery services
- 1x mile 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 every four years
- 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:
- 10x total miles on eligible United flights (6x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 4x miles on entire United purchase with United QuestSM Card)
- 4x miles on all other eligible United purchases
- 5x miles on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Quest℠ Card
- 2x miles on other travel, dining (including eligible delivery services) and select streaming services
- 1x mile on all other eligible purchases
- 10,000-mile award flight discount after spending $20,000 on purchases each calendar year to use toward an eligible award flight
- Two 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 UnitedSM 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 every four years
- 25% back on United inflight purchases
Cardmembers can also earn:
- 11x total miles on eligible United flights (6x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 5x miles on entire United purchase with United ClubSM Card)
- 5x miles on all other eligible United purchases
- 5x miles on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Card
- 2x miles on other travel and dining (including eligible delivery services)
- 1x mile 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 the right choice for you.
Cardmembers are offered:
- Two 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:
- 8x total miles on eligible United flights (6x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 2x miles on entire United purchase with UnitedSM Business Card)
- 2x miles on all other eligible United purchases
- 2x miles at gas stations and office supply stores
- 2x miles on local transit, commuting and dining, including eligible delivery services
- 1x mile on all other purchases
- $125 United travel credit after making 5 United flight purchases of $100 or more each calendar year
- Two 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:
- 8x total miles on eligible United flights (6x miles on the Primary Cardmember’s fare from United as a MileagePlus member, plus 2x miles on entire United purchase with United ClubSM Business Card)
- 2x miles on all other eligible United purchases
- 5x miles on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Business Card
- 1.5x miles on all other purchases
- Two 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. Annual fees and cardmember benefits vary by card.
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.
