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.
Chase United Credit Cards
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!
Card Comparison
| Card | Welcome Bonus and Annual Fee | United Benefits |
| United℠ Explorer Card | - Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- Annual fee of $0 intro for the first year, then $95
| - 2x miles on United purchases
- 1 free checked bag for you and 1 companion on the same reservation
- Priority boarding
- 2 single 1-time use United Club passes each card anniversary year
- 25% back on inflight purchases
- Global Entry/TSA PreCheck/NEXUS fee credit
|
| United Quest℠ Card | - Earn 70,000 miles after spending $4,000 on purchases in the first 3 months.
- Annual fee of $250
| - 3x miles on United purchases
- 2 free checked bags for you and 1 companion on the same reservation
- Priority boarding
- $125 annual United credit
- 2 5,000-mile anniversary award flight credits
- Complimentary Premier Upgrades
- 25% back on inflight purchases
- Global Entry/TSA PreCheck/NEXUS fee credit
|
| United Club℠ Infinite Card | - Earn 80,000 miles after spending $5,000 on purchases in the first 3 months
- Annual fee of $525
| - 4x miles on United purchases
- 2 free checked bags for you and 1 companion on the same reservation
- Premier Access benefits
- Complimentary United Club membership
- IHG One Rewards Platinum Elite status and a $75 annual credit
- 10% discount on United Economy Saver Awards within the continental U.S. and Canada
- 25% back on inflight purchases
- Global Entry/TSA PreCheck/NEXUS fee credit
|
| United Gateway℠ Card | - Earn 20,000 miles after you spend $1,000 on purchases in the first 3 months.
- Annual fee of $0
| - 2x miles on United purchases
- 25% back on inflight purchases
|
| United℠ Business Card | - Earn up to 150,000 miles. Earn 75,000 miles after spending $5,000 on purchases in the first 3 months. Plus, earn an additional 75,000 miles after you spend $20,000 total on purchases in the first 6 months.
- Annual fee of $99
| - 2x miles on United purchases
- 1 free checked bag for you and 1 companion on the same reservation
- Complimentary Premier Upgrades
- Priority boarding
- 2 single 1-time use United Club passes each card anniversary year
- $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
- 25% back on inflight purchases
|
| United Club℠ Business Card | - Earn 75,000 bonus miles after $5,000 on purchases in the first 3 months your account is open
- Annual fee of $450
| - 2x miles on United purchases
- 2 free checked bags for you and 1 companion on the same reservation
- Premier Access benefits
- Complimentary United Club membership
- 25% back on inflight purchases
|
The following reviews will help you decide which card is right for you.
United℠ Explorer Card
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.
Plus, every 4 years you can receive a Global Entry/TSA PreCheck/NEXUS credit (up to $100).
United Quest℠ Card
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!
United Club℠ Infinite Card
Enjoy access to United Clubs with either of United’s co-branded Club cards. Image Credit: Greg Stone 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 United Club Infinite card also recently launched new perks, including IHG One Rewards Platinum Elite status and a $75 annual credit, a $70 discount on CLEAR membership (plus 10,000 bonus miles), Avis President’s Club elite status, and 10% discount on United Economy Saver Awards within the continental U.S. and Canada.
United 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
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.
United Club℠ Business Card
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.
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 HassanOne 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?
Enjoy the luxurious Lufthansa first class lie-flat seat and a glass of Champagne or 2. Image Credit: Spencer HowardUnited 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.
Hot Tip: For some inspiration, check out the best ways to redeem United MileagePlus miles and see all the amazing trips you could take.
Elite Status Premier Qualifying Points
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 MillerWe 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 almost instantly.
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.
If you want to use United miles but flexibility is important to you, consider earning Chase Ultimate Rewards points with these cards:
Recommended Chase Cards (Personal)
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.
