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Chase offers 6 co-branded cards with United Airlines: 4 personal cards and 2 business cards.
When we talk about Chase cards, we often focus on how to earn valuable Ultimate Rewards points. However, there are several benefits that come with the Chase United cards that should not be ignored. Let’s dig into each of these United cards and see what you get.
Whether looking for a card for your personal use or for your business, there are several cards in the United portfolio, from premium high-end cards to options without an annual fee! The following reviews will help you decide which card is right for you.
United Explorer Card (Best Sub-$100 Card for Checked Bags, Priority Boarding & United Club Access)
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
60,000 miles
$720
$95
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)
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
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
25% statement credit on United inflight purchases
Priority boarding
Global Entry, TSA PreCheck, or NEXUS statement credit
2 United Club 1-time passes each year
Premier upgrades on award tickets
Travel and purchase protections
Cons
$0 intro for the first year, then $95 annual fee
Does not earn transferable rewards
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
$0 introductory annual fee for the first year, then $95.
Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
Up to $100 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
Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
Probably the most popular United card is the United Explorer card. This card comes with a sign-up bonus to get you started with a nice stash of MileagePlus miles, and there are several other useful benefits.
When you use this card to purchase a ticket on United, you will receive your first checked bag for free. Additionally, 1 traveling companion on your itinerary will also receive a free checked bag. This could save you up to $100 in checked bag fees charged by United.
Cardholders also receive priority boarding access which can be very useful when you want to ensure that you find overhead space for your carry-on bag. While it’s free to gate-check a bag, this can be very inconvenient if you have a tight connection.
You’ll also get 25% back on United inflight Wi-Fi, food, and drinks.
When you are approved for the card, you will receive 2 single-use passes to the United Club. These are great when you want to make a fun trip just that little bit better. You will continue to receive these for each cardmember anniversary.
When it comes to earning more United MileagePlus miles, you will earn 2x miles on all purchases with United, hotels, and dining and 1x miles on all other purchases. Your miles will not expire as long as your card is open.
Hot Tip: To celebrate Black History Month, United co-branded credit cards will earn 5 miles per dollar (up to $1,500) when donating to select charities through March 12, 2023.
United Quest Card (Best Mid-tier Card for Checked Bags & Priority Boarding)
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
60,000 miles
$720
$250
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)
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.
2x miles per $1 spent on travel, dining, and select streaming services
$125 annual United credit
2 5,000-mile anniversary award flight credits
Free first and second checked bag for you and 1 traveling companion
Priority boarding
25% back on United inflight purchases
Complimentary Premier Upgrades on United-operated award tickets (when available)
Expanded award availability
Up to 3,000 Premier Qualifying Points
Up to $100 Global Entry/TSA PreCheck/NEXUS credit
Travel and shopping protections including trip delay insurance, lost/delayed luggage insurance, rental car insurance, purchase protection, and extended warranty protection
Cons
Does not earn transferable rewards
Does not offer airport lounge access
$250 annual fee
Earn 60,000 bonus miles and 500 PQP after qualifying purchases
Earn 3 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent on all other travel, dining and select streaming services
Earn 1 mile per $1 spent on all other purchases
Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
Up to a $125 United® purchase credit and two 5,000-mile anniversary award flight credits each year (terms apply)
Earn up to 6,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
The newest edition to the United lineup of credit cards is the United Quest card. With a mid-range annual fee, it sits squarely between the more affordable United Explorer card and the more premium United Club Infinite card.
In terms of rewards, United Quest cardholders earn 3x miles on United purchases, 2x miles on travel, dining, and streaming services, plus 1x miles on all other purchases.
The United Quest card comes packed with some benefits that United frequent flyers are sure to love. For starters, cardholders receive a $125 annual United purchase credit that can be applied to any United expense — including flights!
If you love booking award flights, the United Quest card helps stretch your miles even further by giving you up to 2 5,000-mile anniversary award flight credits after you book an award ticket with your United miles. So as long as you book at least 2 United award tickets each year, you can count on receiving 10,000 United miles on your account anniversary.
Chasing United elite status? The United Quest card can help you get there by offering 500 PQPs for every $12,000 you spend on your United Quest card (up to 3,000 PQPs in a calendar year).
You and 1 traveling companion will also receive 2 free checked bags when you use your United Quest card to purchase your tickets, along with other great benefits like priority boarding, a Global Entry/TSA PreCheck/NEXUS fee credit, and 25% back on United inflight purchases.
Hot Tip: Chase United credit cards are eligible for Chase Offers. Check out our complete guide to Chase Offers for ways to save a lot on special discount offers or earn a lot of extra points!
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
80,000 miles
$960
$525
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)
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
4x miles per $1 on United purchases
2x miles per $1 on travel and dining purchases
Complimentary United Club membership
Free first and second checked bag for you and 1 traveling companion
United Premier Access
25% back on United inflight purchases
Complimentary Premier Upgrades on United-operated award tickets (when available)
Expanded award availability
Up to 8,000 Premier Qualifying Points
$100 Global Entry/TSA PreCheck/NEXUS credit
Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
Shopping protections like return protection, purchase protection, and extended warranty protection
$70 discount on CLEAR membership, plus 10,000 bonus miles
IHG One Rewards Platinum Elite status and a $75 annual credit
Avis President’s Club elite status
10% discount on United Economy Saver Awards within the continental U.S. and Canada
Cons
$525 annual fee
Does not earn transferable rewards
Earn 80,000 bonus miles after qualifying purchases
Earn 4 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent on all other travel and dining
Earn 1 mile per $1 spent on all other purchases
Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
10% United Economy Saver Award discount within the continental U.S. and Canada
Earn up to 8,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
The United Club Infinite card is a high-end card with perks and benefits to match. The annual fee is $525, and it’s pretty easy to see why.
As a cardholder, you’ll receive full membership to the United Club. This allows you and 2 guests to access United Clubs anytime you’re traveling on United or a Star Alliance partner. As a comparison, United Club memberships are sold by United for $650 per year.
This card also earns 100% more on United purchases than the United Explorer card, which means you can earn 4x miles on all United purchases, as opposed to 2x with the United Explorer card.
You (and a companion) will also receive 2 free checked bags, as well as Premier Access at the airport where available. Premier Access provides 4 main benefits: dedicated check-in lines, priority security lanes, priority boarding, and priority baggage handling so you can get your checked bags quickly.
The travel perks don’t stop with United, though. You will also receive a $100 Global Entry/TSA PreCheck/NEXUS credit and 25% back on United inflight purchases.
This card also provides access to The Luxury Hotel & Resorts Collection. When you book stays with this card, you can receive benefits such as breakfast for 2, a dining or spa credit, complimentary Wi-Fi, room upgrades when available, and early check-in and late checkout when available.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 Gateway card is a great option for those looking to earn more United miles without paying an annual fee.
The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.
20,000 miles
$240
$0
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)
The United Gateway℠ Card is a great option for those looking to earn more United miles without wanting to pay a credit card annual fee. Plus, the card offers other solid benefits like a 25% back on United inflight purchases, purchase protection, and rental car insurance.
Pros
2x miles per $1 on United purchases
2x miles per $1 at gas stations and on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit
1x mile per $1 on all other purchases
No annual fee
25% back on inflight purchases
No foreign transaction fees
Trip cancellation and trip interruption insurance
Rental car insurance
Purchase protection
Extended warranty coverage
Cons
If you are a frequent United flyer, other cards offer more perks
It does not earn transferable rewards
Earn 20,000 bonus miles
No annual fee
Earn 2 miles per $1 spent on United® purchases, at gas stations and on local transit and commuting
Earn 2 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent at gas stations, on local transit and commuting
Earn 1 mile per $1 spent on all other purchases
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 Gateway Card
Want to earn United miles and benefits but aren’t keen on the idea of paying an annual fee? Then the United Gateway card might be the perfect option for you. The no-annual-fee card offers you 2x miles on United purchases, gas stations, and transit and commuting (including ride shares, trains, and mass transit), and 1x miles on all other purchases.
While the United Gateway card doesn’t offer nearly as many benefits as all of the other co-branded United cards, you’ll still get perks like 25% back on United inflight purchases, expanded United award availability, trip cancellation insurance, and purchase protection.
Hot Tip: Cardholders of the United Business card, United Club Business card, United Club Infinite card, and United Explorer card are also eligible for a 12-month complimentary DoorDash DashPass membership (enroll by December 31, 2024).
United Business Card (Best Sub-$100 Business Card for Checked Bags, Priority Boarding & United Club Access)
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
Earn 50,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
50,000 miles
$600
$99
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)
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
2x miles per $1 on United purchases
2x miles per $1 on dining
2x miles per $1 at gas stations and office supply stores, and on local transit and commuting
1x mile per $1 all other purchases
Free checked bag
2 United Club 1-time passes each year
25% back on United inflight purchases
Complimentary Premier Upgrades
Priority boarding
$100 United Annual Travel Credit after you make 7 United flight travel-related purchases, each totaling $100 or more, with your card
5,000 anniversary bonus miles when you have the United Business card and a personal United credit card
Employee cards at no added cost
Earn 500 PQPs towards United status for every $12,000 you spend on your United Business card (up to 1,000 PQP in a calendar year).
Travel and purchase protections
Cons
Doesn’t earn transferable rewards
Other United cards are more rewarding for United purchases
Earn 50,000 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.
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.
Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
Earn 1 mile per $1 spent 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.
Enjoy a free first checked bag - a savings of up to $140 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.
The United Business card is a great option for small business owners who frequently fly with United. The card offers 2x miles on United purchases, dining, gas stations, office supply stores, and on local transit and commuting charges.
It also includes perks like priority boarding, your first checked bag free, a $100 annual United travel credit (after you make 7 United flight travel-related purchases, each totaling $100 or more) with your card, 25% back on United inflight purchases, 2 United Club 1-time passes, and 5,000 bonus miles on your account anniversary when you have both the United Business card and a personal United card.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
The United Club Business card is a great option for frequent United flyers looking for United Club access.
Earn 75,000 bonus miles after $5,000 on purchases in the first 3 months your account is open
75,000 miles
$900
$450
20.74%-27.74% Variable
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)
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
2x miles per $1 spent on United purchases
1.5x miles per $1 spent on all other purchases
Complimentary United Club membership
Free checked bags
Premier Access travel services
Discount on inflight purchases
Upgrades on award tickets
No foreign transaction fees
Employee cards at no additional cost
Travel and purchase protections
Cons
$450 annual fee
Earning rate for United purchases is poor compared to other United cards
Earn 75,000 bonus miles 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
The United Club Business card differs a bit from the personal version of the card. This card earns 2x miles on all United purchases and 1.5x miles on all other purchases, but the annual fee is less expensive at $450.
This card comes with complimentary United Club membership, Premier Access at the airport where available, free first and second checked bags for you and a companion, 25% back on United inflight purchases, upgrades on award tickets, and more.
Cardmembers will also receive complimentary Avis President’s Club elite status and benefits at The Luxury Hotel & Resorts Collection.
Hot Tip: United Club membership does not allow you access to United’s Polaris Lounges. To gain access to a Polaris Lounge, you must be traveling on a United flight in Polaris first class or business— this is different than United first or business — or in first or business class on an international Star Alliance flight.
Extra Award Space on United Flights
While standard awards are not a great deal, if you need 1 in a pinch, then guaranteed space is nice to have. Image Credit: Chris Hassan
One of the best perks provided by all 6 of these United cards? Guaranteed access to extra award availability on United flights.
With these cards, you’ll receive access to award space in the fare class XN, which is only available to cardholders and those who have earned status on United. The XN fare class is a saver-level economy fare class.
While we often talk about booking United business class and first class, this extra economy award space can be extremely useful when you need to book a flight but ticket prices are sky-high.
Additionally, cardholders are guaranteed the ability to book a standard level award in first class, business class, or economy on United if there is a seat for sale. While we don’t recommend booking standard-level awards, they can be useful if you’re in a tough spot.
Bottom Line: Access to extra award space on United might be the best perk offered by its co-branded airline cards.
What Can You Do With United Miles?
United MileagePlus miles can be used to book awards on United or any of its Star Alliance partners. Thanks to the large Star Alliance network, you can travel just about anywhere.
In fact, some of the best redemption options are on United’s partners. With United miles, you can book Lufthansa first class, which is considered one of the best flying experiences in the world.
You could also book an award flight on EVA Air to Taiwan in one of the nicest business class cabins out there.
If you fly with United regularly and are looking to reach a certain Premier Qualifying Point (PQP) or Premier Qualifying Flight (PQF) requirement, one of these co-branded United cards can help.
First, let’s look at the requirements of each elite status level with United.
2023 Status
Earn Premier Qualifying Flights (PQF)
and Premier Qualifying Points (PQP)
… or Meet a Higher PQP Goal
Premier Silver
8
3,000
3,500
Premier Gold
16
6,000
7,000
Premier Platinum
24
9,000
10,000
Premier 1K
36
13,500
15,000
United Explorer card, United Quest card, United Club Infinite card, United Business card, and United Club Business cardholders can earn 500 PQPs for every $12,000 they spend on their card — for a maximum of 1,000 PQPs per year (or 3,000 PQPs per year with the United Quest card and United Club Infinite card).
While hitting these spending thresholds certainly won’t fast-track you to any particular elite status level, it can certainly help if you’re already flying with United frequently.
Which United Card Should You Get?
If you’re looking for an easy way to earn United MileagePlus miles and want access to award space, and some of the benefits that come with low-level United elite status, the United Explorer card is a great choice.
However, if you know you will be flying out of airports with United Clubs regularly and would prefer to earn 4x miles on United purchases, the United Club Infinite card might be right for you.
If you’re looking for something a little more robust than the benefits offered with the United Explorer card, but don’t quite want to pay the large annual fee of the United Club Infinite card, then the United Quest card is a happy medium.
On the other hand, if you really prefer to avoid paying an annual fee, but still want to earn United miles and receive a few benefits, too, then the United Gateway card would be your best bet.
For business cards, the United Business card is great thanks to 3 bonus categories that earn 2x miles per dollar. If your spending lines up with those categories, it can easily outweigh the 4x miles on United purchases with the United Club Business card. In this case, you have to decide if the other perks from a higher-end card are worth it.
Alternatives to the Chase United Credit Cards
With the flexibility of Ultimate Rewards, you could transfer to Singapore Airlines’ KrisFlyer program to fly Suites class. Image Credit: Alex Miller
We can’t forget to mention that earning United miles with a United-branded card locks you into booking with United miles. If you aren’t concerned about extra award space, United Club access, or other perks, you might want to consider earning Chase Ultimate Rewards that can be transferred to United as well as the other Chase travel partners.
Cards that earn Ultimate Rewards often come with more bonus categories that can help you earn points even faster. Since you won’t be locked in with a single airline program, you’ll have many more options to redeem Ultimate Rewards.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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 fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
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)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
5x points on all travel booked via the Chase Ultimate Rewards portal
5x points on select Peloton purchases over $250 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
The rating for this card has been determined by our own industryexperts who know the in's and out's of credit card products. Bonuses, rewards as well as ratesand 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.
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.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
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)
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
10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
10x points on Lyft purchases March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
5x points on airfare booked via the Chase Ultimate Rewards portal
3x points on all other travel and dining purchases; 1x point on all other purchases
$300 annual travel credit
Priority Pass airport lounge access
TSA PreCheck, Global Entry, or NEXUS credit
Access to Chase Luxury Hotel and Resort Collection
Rental car elite status with National and Avis
Cons
$550 annual fee
Does not offer any sort of hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. 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 $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Hot Tip: United is also transfer partners with Bilt Rewards and Marriott Bonvoy. While American Express Membership Rewards cannot be directly transferred to United, you can utilize its Star Alliance airline partners (Air Canada, ANA, Singapore Airlines) to book United flights.
Final Thoughts
Whether you are looking for a card for personal use or business expenses, Chase has plenty of options to choose from. If you prefer to stick to redeeming United MileagePlus miles, one of the co-branded United cards might be just what you need.
In search of extra perks such as United Club access? One of the United Club cards can provide that.
Finally, if you want the ability to earn tons of points but don’t want to be locked into United’s MileagePlus program (just in case there’s a better option for some of your travel), you can look to Amex, Bilt, Chase, and Marriott Bonvoy cards that earn transferrable points.
Whatever you choose, you’re going to get some great value out of these cards. Whether it’s free checked bags and priority boarding or flexible points that can be transferred to United, you’re on the way to enjoying a better travel experience!
The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
Featured Image Credit: United
Frequently Asked Questions
No, the miles you earn with the United cards are redeemable miles. They do not count towards elite status.
No, but you can book flights on United’s partners using United miles. As a member of Star Alliance, there are plenty of other airlines that you can fly with United miles.
Yes, you could technically get all of them — but that wouldn’t necessarily be the best decision. In all likelihood, you can choose just the 1 card that best fits your needs.
The “best” United card will depend on what you are looking for out of the card. If you want to earn the most possible for your United purchases and get United Club access, then you should go with the United Club Infinite card.
Prefer not to pay an annual fee but still want to earn United miles? The United Gateway card makes the most sense here.
If you want a middle-of-the-road option that offers a nice balance of perks relative to the annual fee, then consider the United Explorer card or United Quest card.
Always a fan of flying, it was only natural that Spencer was drawn to finding a way to improve the travel experience.
Like many, he started this journey searching for cheap flights to take him around the world. This was fun for a while, but Spencer was intrigued by the idea of flying in business and first class!
Throwing himself into what became an extensive research project, Spencer spent 3-4 hours per night learning everything he could about frequent flyer miles over the course of several months (he thinks this is normal). He runs Straight to the Points, an award-seat alert platform.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
7 comments
Marina
November 04, 2019
What will happen if the United-Chase cobranded card is cancelled/closed after qualifying for the PQD waiver: is the waiver going to stay in place this year or is it going to be cancelled?
Hi Marina. According to the PQD waiver terms and conditions, United states that members qualify for the waiver when, “during the applicable calendar year have spent at least $25,000 in Net Purchases, on a MileagePlus co-branded credit card issued by Chase Bank USA, N.A. at the time in 2018 (2019) when they qualify for Premier status”. This language suggests that if you’ve spent the $25,000 and have also qualified for Premier status (miles/segments, etc) then you should be ok if the card is subsequently canceled. However, I would contact United MileagePlus customer service for a solid answer.
Joel
October 26, 2020
You can’t use United Clubs unless you are flying on United or a Star Alliance partner that day. This applies to all club memberships (purchased, Club card, or Infinite Club card). They made that rule November 1, 2019.
Hi Joel. Thanks for pointing that out, we’ve now updated the post to make that information current.
Raymond Gallagher
December 31, 2020
I have used a Chase Credit Card for many years. Recently, for whatever reason, they have disallowed a charge that I made. I have an $18,000 credit limit with a current balance of less than $3,000. We have NEVER missed a monthly payment, nor have we incurred a finance charge. Yet, on three recent occasions, a charge made through this account has been declined by Chase. Today, I attempted to resolve this problem and after waiting for more than 10 minutes, the call was disconnected. Later the same process, but I did speak with a Chase representative – after going through the verification process and explaining about my concern, she said that she would check into the matter…the line went dead! At the moment, I have been waiting on hold for more than 20 minutes and just listening to lousy recorded music…not really the way to run a ship! Perhaps they’d rather spend umpteen dollars to find new customers! I’m through with them!
Gene
April 05, 2021
Your post mentions that all 4 of these cards have access guaranteed access to extra award availability on United flights. However, I read elsewhere that the no annual fee Gateway card does not (even though the older no AF MileagePlus cards did). Can you confirm that the Gateway card does in fact have the same access to saver awards as the other three?
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
7 comments
Marina
November 04, 2019
What will happen if the United-Chase cobranded card is cancelled/closed after qualifying for the PQD waiver: is the waiver going to stay in place this year or is it going to be cancelled?
Christine Krzyszton
November 06, 2019
Hi Marina. According to the PQD waiver terms and conditions, United states that members qualify for the waiver when, “during the applicable calendar year have spent at least $25,000 in Net Purchases, on a MileagePlus co-branded credit card issued by Chase Bank USA, N.A. at the time in 2018 (2019) when they qualify for Premier status”. This language suggests that if you’ve spent the $25,000 and have also qualified for Premier status (miles/segments, etc) then you should be ok if the card is subsequently canceled. However, I would contact United MileagePlus customer service for a solid answer.
Joel
October 26, 2020
You can’t use United Clubs unless you are flying on United or a Star Alliance partner that day. This applies to all club memberships (purchased, Club card, or Infinite Club card). They made that rule November 1, 2019.
Christine Krzyszton
October 27, 2020
Hi Joel. Thanks for pointing that out, we’ve now updated the post to make that information current.
Raymond Gallagher
December 31, 2020
I have used a Chase Credit Card for many years. Recently, for whatever reason, they have disallowed a charge that I made. I have an $18,000 credit limit with a current balance of less than $3,000. We have NEVER missed a monthly payment, nor have we incurred a finance charge. Yet, on three recent occasions, a charge made through this account has been declined by Chase. Today, I attempted to resolve this problem and after waiting for more than 10 minutes, the call was disconnected. Later the same process, but I did speak with a Chase representative – after going through the verification process and explaining about my concern, she said that she would check into the matter…the line went dead! At the moment, I have been waiting on hold for more than 20 minutes and just listening to lousy recorded music…not really the way to run a ship! Perhaps they’d rather spend umpteen dollars to find new customers! I’m through with them!
Gene
April 05, 2021
Your post mentions that all 4 of these cards have access guaranteed access to extra award availability on United flights. However, I read elsewhere that the no annual fee Gateway card does not (even though the older no AF MileagePlus cards did). Can you confirm that the Gateway card does in fact have the same access to saver awards as the other three?
Thanks.
Jarrod West
April 05, 2021
Hi Gene,
Yes, Chase even advertises it as a benefit of the card.
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