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How I Score More Saver Awards With This Hidden United Cardholder Perk

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Dan Miller
Updated: 
Edited by: Jessica Merritt
& Stella Shon
How I Score More Saver Awards With This Hidden United Cardholder Perk
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United has several credit cards issued by Chase. While there are many reasons to apply for these airline cards, my favorite feature is the access to Saver Awards. This benefit is included with several United credit cards but is barely mentioned or publicized by either Chase or United.

However, this feature has saved my family thousands of MileagePlus miles over the years. Let me explain the value of this underrated perk to you.

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What Is United’s Saver Award Availability?

For starters, United Airlines designates a few fare classes on its own flights as “Saver Awards.” These are the cheapest available reward tickets in the United MileagePlus program.

If you’re curious about the technical side of how Saver Award availability works, economy Saver Awards fall under the XN fare class, while Business Everyday Awards are categorized in the JN fare class. An additional Saver Award fare class, IN, offers expanded business and first-class availability, though it’s reserved exclusively for United Premier Platinum and 1K elite status members.

United elite status members, as well as those with United credit cards, get access to this additional award space with United. If you’re not eligible, United won’t display these additional Saver Award options to you, which is likely why many people aren’t aware of this outstanding credit card benefit.

United Credit Cards With Access to Saver Award Space

Scoring cheaper award flights can save you thousands of miles. Fortunately, all United cardholders get Saver Award availability access on United-operated flights, which is great news even if you hold the $0-annual-fee United Gateway℠ Card.

To access Saver Awards, log in to your United account and ensure your United credit card is linked to your profile. If you manage United accounts for friends and family, ensure you’re logged into an account with an eligible United credit card. That way, you can be sure you’re always seeing the lowest award price.

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United Gateway℠ Card
United Gateway℠ Card
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The rating for this card has been determined by our own industry experts who know the ins and outs 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 Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

United Gateway℠ Card
The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.
Earn 30,000 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.
30,000 miles
$360
$0
0% Intro APR on Purchases for 12 months; after that, 19.99% - 28.49% 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 card application.
Good to Excellent
Why We Like This Card

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 & Cons
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
Cons
  • If you are a frequent United flyer, other cards offer more perks
  • It does not earn transferable rewards
Read Full Review
Card Highlights
  • Earn 30,000 bonus miles
  • 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
  • 2x miles on United® purchases
  • 2x miles at gas stations, on local transit and commuting
  • 1x mile 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
  • Earn 2 checked bags after you spend $10,000 in a calendar year
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR on Purchases for 12 months; after that, 19.99% - 28.49% Variable
  • Foreign Transaction Fees: None
United℠ Explorer CardTerms Apply / Rates & Fees
United℠ Explorer Card
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The rating for this card has been determined by our own industry experts who know the ins and outs 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.
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
$150
19.99% - 28.49% 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 card application.
Good to Excellent
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
  • 5x total miles per $1 on hotel stays through United Hotels
  • 2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
  • 1x mile per $1 on all other purchases
Cons
  • $0 intro annual fee for the first year, then $150
  • Does not earn transferable rewards
Read Full Review
Card Highlights
  • Earn 60,000 bonus miles
  • $0 introductory annual fee for the first year, then $150
  • 2x miles on United® purchases, dining, and hotel stays when booked with the hotel
  • Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
  • Priority boarding on United® flights
  • 2 United Club one-time passes per year - over a $100 value
  • Over $500 in partner credits each year
  • Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
  • Member FDIC
Financial Snapshot
  • APR: 19.99% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

United MileagePlus Frequent Flyer Program

United Quest℠ Card
United Quest℠ Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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.

United Quest℠ Card
The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
Earn 70,000 bonus miles and 1,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
70,000 miles + 1,000 PQP
$840
$350
19.99% - 28.49% 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 card application.
Good to Excellent
Why We Like This Card

Enter: 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 the United Club℠ Card, the United Quest card makes for a fantastic card option for United frequent flyers.

Pros & Cons
Pros
  • 5x miles on stays through Renowned Hotels and Resorts
  • 3x miles per $1 on United purchases
  • 2x miles per $1 spent on travel, dining, and select streaming services
Cons
  • Does not earn transferable rewards
  • Does not offer airport lounge access
Read Full Review
Card Highlights
  • Earn 70,000 bonus miles and 1,000 PQP
  • 3x miles on United® purchases
  • 2x miles on dining, select streaming services, and all other travel
  • 1x mile on all other purchases
  • Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 8 weeks of February 1, starting in the calendar year following your account open date.
  • Free first and second checked bags--a savings of up to $360 per roundtrip (terms apply)
  • Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
  • Earn a 10,000-mile eligible award flight discount after spending $20,000 each calendar year
  • Member FDIC
Financial Snapshot
  • APR: 19.99% - 28.49% Variable
  • Foreign Transaction Fees: None
United Club℠ Card
United Club℠ Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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.

United Club℠ Card
Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
90,000 miles
$1,080
$695
19.99% - 28.49% 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 card application.
Excellent
Why We Like This Card

The United Club℠ 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 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
Cons
  • $695 annual fee
  • Does not earn transferable rewards
Read Full Review
Card Highlights
  • Earn 90,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on dining and all other travel
  • 1x mile on all other purchases
  • United Club℠ card membership - at least a $750 value
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply)
  • Premier Access® travel services
  • Earn up to 20,000-miles in award flight discounts annually
  • Member FDIC
Financial Snapshot
  • APR: 19.99% - 28.49% Variable
  • Foreign Transaction Fees: None
United℠ Business Card
United℠ Business Card
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U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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.

United℠ Business Card
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
Earn 75,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
75,000 miles + 2,000 PQP
$900
$150
19.99% - 28.49% 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 card application.
Good to Excellent
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 this Chase business 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
  • 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
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 and 2,000 PQP 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 $150.
  • 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.
  • Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
  • Member FDIC
Financial Snapshot
  • APR: 19.99% - 28.49% Variable
  • Foreign Transaction Fees: None
United Club℠ Business Card
United Club℠ Business Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the ins and outs 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.
Earn 80,000 bonus miles and 2,000 Premier qualifying points (PQP) after you spend $5,000 on purchases in the first 3 months your account is open.
80,000 miles + 2,000 PQP
$960
$695
19.99% to 28.49% 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 card application.
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
  • $695 annual fee
  • Earning rate for United purchases is poor compared to other United cards
Read Full Review
Card Highlights
  • Earn 80,000 bonus miles and 2,000 Premier qualifying points (PQP) after you spend $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
  • Earn 5x miles on stays purchased through Renowned Hotels and Resorts for United® Cardmembers
  • Employee cards at no additional cost
  • United Club℠ membership included – at least a $750 value per year – with the ability to unlock United Club All Access Membership
  • Earn 2 global Economy Plus® seat upgrades each year
  • Free first and second checked bags for you and a companion, save up to $320 per round-trip
  • Up to $50 in credits on United FareLock purchases annually
  • Up to $200 in credits on Renowned Hotels and Resorts for United® Cardmembers annually
  • Up to $150 in credits on rideshare purchases annually
  • Up to $100 in United travel credits on Avis or Budget purchases annually
  • Up to $200 in credits on JSX purchases annually
  • 25% back on United inflight purchases
  • No foreign transaction fees
  • Complimentary Instacart+ Membership (terms apply)
  • Up to $240 in Instacart credits annually (terms apply)
Financial Snapshot
  • APR: 19.99% to 28.49% Variable
  • Foreign Transaction Fees: $0
Hot Tip:

Before applying for any United credit card, it’s important to know about updates made to the United card lineup in May 2025. While the specifics differ by card, most changes involve higher annual fees in exchange for added benefits, such as new travel statement credits and annual award flight discounts.

How To Find United Saver Award Space

Here’s a real-life example of how access to Saver Awards can save you thousands of miles on an award search. I did a sample search for United flights between Newark Liberty International Airport (EWR) and London Heathrow (LHR).

Before I logged into my MileagePlus account, this is what I saw:

united award availability ewr lhr
Award space without Saver Award availability. Image Credit: United Airlines

By logging into my United MileagePlus account, which is connected to my United credit card, I immediately see the additional (XN) fare class availability.

united increased award availability ewr lhr
Enhanced United award availability from New York to London for cardmembers. Image Credit: United

It shows the same flights, but instead of costing 44,700 MileagePlus miles, they only cost 40,000 miles. You can also see that United Economy is labeled with the “extra” (XN) fare class, and there’s even a callout that “Cardmembers save 11%.”

In this case, you’re only saving 4,700 miles per person, but I’ve had experiences where the cardmember price was a much bigger difference. The actual savings you can achieve will vary depending on the flight and availability of the Saver Awards.

Last year, when I was helping a friend book transatlantic flights for his family, having a United credit card instantly saved him 15,000 miles per person. Since he was booking 5 tickets, he saved a total of 75,000 MileagePlus miles by booking Economy Saver Award flights.

Hot Tip:

Delta Air Lines offers a similar perk for those who have an eligible Delta cobranded card. You can save 15% off award tickets on Delta-operated flights, though this discount applies to any fare class.

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Final Thoughts

Whether you’re a frequent traveler or planning a special vacation, having access to these Saver Awards can save you thousands of miles on flights and offer more opportunities to explore the world for less. If you’re serious about maximizing your United miles, securing one of these key airline credit cards is a smart move that can pay off.

Featured Image Credit: Nick Ellis
Dan Miller's image

About Dan Miller

Realizing that it wasn’t all first class flights and 5-star hotels, Dan started the Points With a Crew blog in 2014, with the aim of helping families (especially large families) to use miles, points and credit card rewards to take that trip that they might have thought they couldn’t afford. He has spent over 10 years covering developments in the travel rewards credit card space. His expertise extends to all things personal finance, including student loans, budgeting and real estate, and his work has been featured in sites all over the Internet, including NerdWallet, Forbes, Business Insider, Rocket Mortgage, CreditCards.com, Bankrate, Turbotax, Credit Karma and Intuit Mint.

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