The Best Credit Cards for United Airlines Flyers in 2024 [Lounges, Upgrades, Priority Boarding & More]

If you fly any airline frequently, you’ll benefit from having its branded credit card.

Doing so can provide valuable perks including free checked bags, discounted or complimentary lounge access, priority boarding, upgraded seating, and quicker trips through security. You also earn frequent flyer miles quickly, allowing you to book award flights faster.

Having a United-branded credit card can deliver all these benefits and more. Even if you traveled just a few times a year, you’d find value in a United-branded card.

You’re probably wondering, however, which United credit card is best for your situation or if other travel rewards cards could be a better fit for the United flyer.

We’ve assembled the best cards available for United flyers and will expand on the benefits for each card so you can see which card might be best for you.

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Best Overall Cards for United Flyers

• United Club℠ Infinite Card — Best Overall Personal United Card
• United Quest℠ Card — Earning United Miles, Flight Benefits, Flight Statement Credits, Award Flight Discounts
• United℠ Explorer Card — Best for a Lower Annual Fee, Flight Benefits, Limited United Club Access
• The Platinum Card^® from American Express — Best for Global Lounge Access, Earning on Purchased Flights, Redeeming Flexible Rewards for United Flights
• Chase Sapphire Reserve^® — Best for Redeeming Flexible Rewards for United Flights, Statement Credits for Travel Purchases, Travel Insurance Benefits
• United Club℠ Business Card — Best Overall Business United Card
• United℠ Business Card — Best for Small Businesses, Lower Annual Fee, Earning United Miles, Flight Benefits
• The Business Platinum Card^® from American Express — Best for Global Lounge Access, Earning on Purchased Flights, 35% Rebate for Premium United Flights Booked with Points

The 8 Best Cards for United Flyers — Overview

Best Personal Cards for United Flyers

If you’re a frequent United flyer, selecting the best personal card to receive the most value would be the first step to earning more miles, making your trip more comfortable and receiving travel benefits you can use.

Always get a card with an annual fee you’re comfortable paying.

Here are some of the best personal cards for United flyers.

United Club Infinite Card — Best Overall Personal United Card

LIMITED TIME OFFER

United Club℠ Infinite Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Apply Now(at Chase's secure site)

United Club℠ Infinite Card

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Welcome Offer

Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

90,000 miles

UP's Bonus Valuation*:

$1,080

Annual Fee

$525

APR

21.24% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

Pros & Cons

Pros

• 4x miles per $1 on United purchases
• 2x miles per $1 on travel and dining purchases
• Complimentary United Club membership (up to $650 value per year)

Cons

• $525 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Limited-time Offer: Earn 90,000 bonus miles
• 4x miles on United^® purchases
• 2x miles on all other travel and dining
• 1x mile on all other purchases
• United Club℠ membership - up to $650 value per year
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access^® travel services
• Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
• Member FDIC

Financial Snapshot

• APR: 21.24% - 28.24% Variable
• Foreign Transaction Fees: None

The United Club Infinite card comes with complimentary lounge access, stellar 4x earnings on United purchases, a faster path to elite status, and upgrade priority on United flights over those who don’t hold the card. The card also comes with expanded award availability.

It’s the best overall United-branded card for the frequent United flyer.

Why We Like the Card for United Flyers

• 4x earnings on United purchases
• Complimentary United Club access
• Earn PQP points toward United Premier elite status.
• Upgrade priority over passengers without the card
• 2 free checked bags for you and 1 travel companion on the same reservation
• United Premier Access benefits include priority boarding, priority seat selection, priority security lane, and priority baggage handling for the cardholder and traveling companions on the same reservation

United Quest Card — Earning United Miles, Flight Benefits, Flight Statement Credits, Award Flight Discounts

LIMITED TIME OFFER

United Quest℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Apply Now(at Chase's secure site)

United Quest℠ Card

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Welcome Offer

Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

70,000 miles

UP's Bonus Valuation*:

$840

Annual Fee

$250

APR

21.24% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The newest addition to United’s lineup of cards is the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.

With an annual fee that falls between the United℠ Explorer Card and United Club℠ Infinite Card, the United Quest card makes for a fantastic card option for United frequent flyers.

Pros & Cons

Pros

• 3x miles per $1 on United purchases
• 2x miles per $1 spent on travel, dining, and select streaming services
• $125 annual United credit

Cons

• Does not earn transferable rewards
• Does not offer airport lounge access

Read Full Review

Card Highlights

• Limited-time Offer: Earn 70,000 bonus miles and 500 PQP
• 3x miles on United^® purchases
• 2x miles on all other travel, dining, and select streaming services
• 1x mile on all other purchases
• Up to a $125 United^® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
• Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
• Member FDIC

Financial Snapshot

• APR: 21.24% - 28.24% Variable
• Foreign Transaction Fees: None

The United Quest card is best for a generous welcome offer, elevated 3x earnings on United purchases, and a faster path to Premier elite status. We also like that the card earns big on travel, restaurants, and streaming services.

Use the card for United purchases and receive an annual statement credit and discounted award flights each card anniversary year.

Why We Like the Card for United Flyers

• Earn 3x miles on United purchases and 2x miles on travel, dining, and streaming services
• 2 free checked bags for you and 1 travel companion
• Priority boarding for you and your travel companions on the same reservation
• Earn PQP credits toward elite status by spending on the card (up to $6,000 in PQP)
• Receive an annual statement credit of $125 for using your card for United purchases
• 2 5,000-mile credits each card anniversary year to use for award flights

United Explorer Card — Best for a Lower Annual Fee, Flight Benefits, Limited United Club Access

LIMITED TIME OFFER

United℠ Explorer Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Apply Now(at Chase's secure site)

United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Welcome Offer

Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

60,000 miles

UP's Bonus Valuation*:

$720

Annual Fee

$95

APR

21.24% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

You should consider the United℠ Explorer Card, because this card does all that and more!

Pros & Cons

Pros

• 2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
• 1x mile per $1 on all other purchases
• First checked bag free for you and up to 1 traveling companion

Cons

• $0 intro annual fee for the first year, then $95 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Limited-time Offer: Earn 60,000 bonus miles
• $0 introductory annual fee for the first year, then $95.
• 2x miles on United^® purchases, dining, and hotel stays
• Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
• Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
• Up to $120 Global Entry, TSA PreCheck^® or NEXUS fee credit
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
• Member FDIC

Financial Snapshot

• APR: 21.24% - 28.24% Variable
• Foreign Transaction Fees: None

Rewards Center

United MileagePlus Frequent Flyer Program

We like that this card has a lower annual fee yet still comes with flight benefits and 2 United Club passes each anniversary year.

The United Explorer card is perfect for the occasional United traveler who wants to earn miles to use toward award flights and enjoy flight benefits.

• Earn 2x miles on United, hotels, and dining
• A free checked bag for you and 1 travel companion on the same reservation
• Priority boarding for you and your travel companions on the same reservation
• 2 single, 1-time-use United Club passes each card anniversary year
• Earn up to $1,000 in PQP each year toward elite status, by spending on the card.

In addition to the above list of benefits, each personal United-branded cardholder can enjoy a 25% statement credit on inflight food and beverage purchases and expanded award flight availability. Plus, you’ll find valuable travel insurance coverages and shopping benefits and protections that vary by card.

Actual benefits and the terms and conditions can be found in the specific card’s guide to benefits.

Amex Platinum Card — Best for Global Lounge Access, Earning on Flights, Redeeming Flexible Rewards for United Flights

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
• $200 Uber Cash: Platinum Card^® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card^® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $199 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Several premium rewards cards offer better earnings and more benefits for the frequent traveler who travels with other airlines, in addition to United.

The Amex Platinum card is among the best premium travel rewards cards for frequent flyers.

Why We Like the Card for United Flyers

• Earn 5x Membership Rewards points on flights purchased directly from airlines or via AmexTravel.com, which includes United flights.
• Complimentary access to over 1,400 lounges worldwide in the American Express Global Lounge Collection, including access to the prestigious Centurion Lounge network and Priority Pass Select membership upon enrollment
• Transfer Membership Rewards points earned on the card to Star Alliance partners and redeem them for United flights.
• Redeem points via AmexTravel.com for United flights.
• Up to $200 airline incidental fee credit each year so long as you select United Airlines as your qualifying airline

Hot Tip: If worldwide lounge access is a top priority and you fly several different airlines, the Amex Platinum card should be at the top of your list of cards to consider. The card offers a long list of luxury travel benefits and complimentary cardholder access to over 1,400 worldwide lounges. 

Chase Sapphire Reserve Card — Best for Earning and Redeeming Flexible Rewards for United Flights, Statement Credits for Travel Purchases, Travel Insurance Benefits

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$550

APR

21.74% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros & Cons

Pros

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025

Cons

• $550 annual fee
• Does not offer any sort of hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
• Member FDIC

Financial Snapshot

• APR: 21.74% - 28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Earning flexible rewards points is a key advantage of the Chase Sapphire Reserve card. You earn well on flight and travel purchases and receive elevated value at redemption time.

The card works well for frequent travelers who may have United Premier elite status yet travel on several airlines.

The card is also known for its excellent collection of travel insurance benefits.

Why We Like the Card for United Flyers

• 5x Ultimate Rewards points on airfare booked via the Chase Travel portal
• 3x points on all travel purchases, not purchased via Chase Travel, including United flights purchased directly with the airline
• Ultimate Rewards can be redeemed for 1.5 cents each to book United flights directly through Chase Travel.
• Transfer points to United MileagePlus to book award flights.
• Priority Pass lounge membership with access for the cardholder and up to 2 guests to over 1,400 properties worldwide (enrollment required)
• $300 annual travel credit (can be used on United)
• The card comes with several premium travel insurance benefits.

Best Business Cards for United Flyers

Whether traveling for business or pleasure, the perks offered on a United business credit card can make your trip more comfortable and even save you money.

Even small businesses can earn United miles quickly with a United-branded business card.

Here are some of the best business cards for United flyers.

United Club Business Card — Best Overall United Business Card

United Club℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Club Business card is a great option for frequent United flyers looking for United Club access.

United Club℠ Business Card

The United Club Business card is a great option for frequent United flyers looking for United Club access.

Welcome Offer

Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open.

50,000 miles

UP's Bonus Valuation*:

$600

Annual Fee

$450

APR

21.99%–28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.

From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.

Pros & Cons

Pros

• 2x miles per $1 spent on United purchases
• 1.5x miles per $1 spent on all other purchases
• Complimentary United Club membership

Cons

• $450 annual fee
• Earning rate for United purchases is poor compared to other United cards

Read Full Review

Card Highlights

• Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open
• Earn 2x miles on United purchases
• Earn 1.5x miles on all other purchases
• Employee cards at no additional cost
• United Club membership — up to a $650 value per year. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi, and more
• Free first and second checked bags for you and a companion, save up to $320 per round-trip
• 25% back on United inflight purchases
• No foreign transaction fees

Financial Snapshot

• APR: 21.99%–28.99% Variable
• Foreign Transaction Fees: $0

Business travelers will welcome the complimentary United Club lounge access and upgrade priority on United flights. They’ll also receive complimentary upgrades on United award tickets. Miles will accumulate quickly as business owners receive 1.5x earnings on all non-United business purchases and earn PQP toward Premier elite status by spending on the card.

• Earn 2x miles on all United purchases and 1.5x miles on all other purchases.
• 2 free checked bags for you and 1 travel companion
• United Premier Access benefits include priority boarding, priority seat selection, priority security lane and priority baggage handling for the cardmember and traveling companions on the same reservation.
• Complimentary United Club access
• Earn PQP toward elite status, up to $1,000 each year.

United Business Card — Best for Small Businesses, Lower Annual Fee, Earning United Miles, Flight Benefits

United℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Apply Now(at Chase's secure site)

United℠ Business Card

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Welcome 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.

75,000 miles

UP's Bonus Valuation*:

$900

Annual Fee

$0 introductory annual fee for the first year, then $99

APR

21.24% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit Recommended (670-850)

Why We Like This Card

The United Business card is a compelling option for traveling business owners that are also frequent United flyers. Not only will the card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.

Pros & Cons

Pros

• $0 introductory annual fee for the first year, then $99.
• 2x miles per $1 on United purchases
• 2x miles per $1 on dining

Cons

• Doesn’t earn transferable rewards
• Other United cards are more rewarding for United purchases

Read Full Review

Card Highlights

• Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $99.
• 2x miles on United^® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
• Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United^® credit card.
• Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
• $100 United^® travel credit after 7 United flight purchases of $100 or more each anniversary year.
• Member FDIC

Financial Snapshot

• APR: 21.24% - 28.24% Variable
• Foreign Transaction Fees: None

The United Business card pairs well with a United-branded personal card. So well that you receive 5,000 miles each card anniversary for having both cards. Additionally, there’s a generous welcome offer and even elevated earnings on specific business categories. The card offers limited United Club passes each year.

Why We Like the Card for United Flyers

• Earn 2x miles on United purchases, dining, gas stations, office supply stores, transit and commuting.
• A free checked bag for you and 1 travel companion on the same reservation
• Priority boarding for you and your travel companions on the same reservation
• 2 single, 1-time-use United Club passes each card anniversary year

In addition to priority flight benefits, all United card members of the above cards receive a 25% statement credit for inflight food and beverage purchases.

Amex Business Platinum Card — Best for Global Lounge Access, Earning on Purchased Flights, 35% Rebate for Premium United Flights Booked With Points

ELEVATED OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 points

UP's Bonus Valuation*:

$3,300

Annual Fee

$695

APR

18.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)

Cons

• High annual fee of $695 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

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Card Highlights

• Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card^®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $199 CLEAR^® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The Amex Business Platinum card suits the frequent business traveler who values premium travel benefits. We like the card for its global lounge access, expedited security program fee reimbursement, and elevated earnings on flight purchases.

Add in all the savings from statement credits for select purchases, and the card is an economically sound choice.

Why We Like the Card for United Flyers:

• 5x Membership Rewards Points on United flights purchased via AmexTravel.com
• Complimentary access to over 1,400 lounge properties worldwide, including the prestigious Centurion Lounge network
• Utilize American Express transfer partners such as Air Canada, ANA, or Singapore Airlines to transfer Membership Rewards points and book United flights.
• 35% points rebate when using Pay With Points (up to 1,000,000 bonus points per calendar year)
• Global Entry or TSA PreCheck fee reimbursement
• Up to $199 CLEAR Plus statement credit
• Up to $200 airline incidental fee credit each year (can be used on United)

Hot Tip:

The Bilt World Elite Mastercard^® Credit Card was designed to help renters earn Bilt Rewards Points on their rent payments without a transaction fee. Cardholders must make 5 purchases each statement period to earn these bonus points (rewards & benefits). Bilt Rewards points transfer at a 1:1 ratio almost immediately to United.

Earning United Premier Elite Status and Upgrade Priority With United Credit Cards

Qualifying for United Premier Elite Status

There are several benefits to having elite status in United’s MileagePlus frequent flyer program.

United MileagePlus Premier elite status can help you receive a better seat and priority boarding. Other benefits of having Premier elite status include allowing you to earn bonus frequent flyer miles based on your Premier status level. Priority boarding and fee waivers also add to the benefits.

Let’s look at what it takes to earn United MileagePlus Premier status in 2025.

How United Credit Cards Help You Qualify for Status

United credit cardholders receive a faster path to MileagePlus Premier status. Cardholders can earn Premier qualifying points, or PQPs, through their annual credit card spending and apply these earned PQPs toward any Premier elite status up to Premier 1K level.

• The United Explorer card and United Business card earn 25 PQPs for every $500 spent, up to 1,000 PQPs annually.
• The United Quest card earns 25 PQPs for every $500 spent, up to 6,000 PQPs annually.
• The United Club Business card earns 25 PQPs for every $500 spent, up to 1,000 PQPs annually.
• The United Club Infinite card earns 25 PQPs for every $500 spent, up to 10,000 PQPs annually.

United Credit Cards for Elevated Upgrade Priority

United Club cardholders (business and personal versions) who are Premier members receive seat upgrade priority over passengers in the same Premier level.

For example, with United Premier Silver status and a United Club Infinite card or United Club Business card, you have upgrade priority over a passenger who is also United Premier Silver but doesn’t hold either United Club card.

Here’s the hierarchy for upgrade priority:

1. PlusPoints Upgrades and MileagePlus Upgrade Awards
2. Premier status of the traveler
3. Fare class
4. Chase United Club cardholders and Presidential Plus cardholders (no longer available to new applicants)
5. United corporate travelers
6. Chase United cardholders with $25,000 spent on the card in the calendar year
7. Date and time of the upgrade request

All qualifying Premier elite United cardholders are eligible for upgrades on United award tickets.

Qualifying United cardholders should sign into their MileagePlus account before searching for flights, as United cardholders (and elite members) receive expanded access to more award flights.

For more information on how to get upgraded on United, check out our informative guide.

Bottom Line: United’s core credit cards offer plenty of flight benefits, expanded award flight availability, and a faster path to Premier status. The cards also offer accelerated earnings per $1 spent on United purchases.

Final Thoughts

If you travel even a few times a year on United, you could benefit from a United-branded credit card. Additionally, if you are currently paying for a United Club annual membership, a United Club Infinite card with complimentary lounge access could be an appropriate and economical choice.

If you travel enough with United to qualify for MileagePlus Premier status, you may already be receiving benefits such as free checked bags, priority boarding, and other flight benefits. You may not gain a lot of additional value from a United-branded card.

If you frequently fly on other airlines in addition to United, pay for an annual lounge membership, and spend a lot on travel in general, having just a United credit card may not be the best choice. A premium travel rewards credit card could be a better fit.