United Airlines MileagePlus Loyalty Program Review

United Airlines Overview

United MileagePlus is the second-oldest frequent flyer program in the world (only a week younger than American’s AAdvantage program). It is consistently voted the world’s best frequent flyer program by Global Traveler Magazine’s U.S. readers.

A key to MileagePlus’s popularity is the ability to redeem miles for awards on Star Alliance partner airlines. The program is free to join, with miles earned mainly from spending and never expire. Elite status offers perks such as upgrades and baggage.

Joining MileagePlus

To join the MileagePlus program, you need to sign up on the United website. Membership is free, and you can start earning and redeeming miles immediately. After entering your personal details, you need to verify your account by email and text.

How To Sign In to Your MileagePlus Account

Sign in on the homepage with your account number, email address, or phone number and your password. Email or phone authentication is required when signing in from a new device or browser.

Viewing Your Account Activity

Use the MileagePlus My Account page to review your activity.

Account activity is displayed in 3 sections:

• Your Premier progress, featuring:
  • Premier qualifying flights (PQFs)
  • Premier qualifying points (PQPs)
  • Flight segment minimum
  • Lifetime flight miles
• Your wallet, featuring:
  • Linked payment cards
  • TravelBank balance
  • Receipts for United Airlines transactions
• Award activity and travel credits
• Upgrade activity (for upgrade certificates issued to MileagePlus members with 1K or Platinum status)

Points Expiration

United MileagePlus miles do not expire. For Premier Platinum status or higher, PlusPoints (covered later in this article) expire at the end of the program year for which the status was earned.

United MileagePlus Program

Types of MileagePlus Points

Award Miles

Award miles are the main currency of the loyalty program, used to book flights, upgrades, hotel stays, and more. Miles are earned from flying, credit cards, shopping, dining, and travel bookings, and do not count toward elite status.

Premier Qualifying Points (PQPs)

Premier Qualifying Points determine your elite status and are earned from flight spending and some credit card spending. These points are based on how much you spend, not distance flown, and are required for all status tiers.

Premier Qualifying Flights (PQFs)

Premier Qualifying Flights track how often you fly, and are earned per flight segment. PQFs are used alongside PQPs as an option to reach status qualification.

PlusPoints

After achieving Premier Platinum status or higher, passengers are immediately awarded PlusPoints (40 for Premier Platinum and 280 for Premier 1K). For every 3,000 PQPs earned above 22,000, an additional 20 PlusPoints are awarded. These can be used to request seat upgrades.

MileagePlus Premier Status

Each Premier tier requires either a combination of PQFs and PQPs or a higher PQP-only total. At least 4 flights must be taken on United or United Express to be eligible. Qualification runs on a calendar year, and status remains valid through the following program year once earned.

MileagePlus has 4 elite status levels, plus the invitation-only Global Services level:

• Premier Silver
• Premier Gold
• Premier Platinum
• Premier 1K

The PQP waiver for Chase MileagePlus cardholders has been discontinued, but members can earn PQP with select cards.

MileagePlus Elite Benefits

Premier Silver:

• 5 miles per $1
• Complimentary Economy Plus seats at check-in, or preferred seating at booking for the status holder and 1 companion
• Complimentary upgrades on the day of departure (subject to availability)
• Free same-day flight change within the same fare type (subject to availability)
• Priority check-in, security, and group 2 boarding
• 1 free checked bag of 70 pounds in economy and 3 free checked bags of 70 pounds in the premium cabins
• Increased Saver Award availability
• Discounted membership in CLEAR+ for $169 so you can breeze through airport security
• Avis Preferred Plus status (register here)

Premier Gold (all Silver benefits plus:)

• 6 miles per $1
• Complimentary Economy Plus seats at booking
• Complimentary upgrades 48 hours prior to departure (subject to availability)
• Priority boarding group 1
• 2 free checked bags of 70 pounds in economy and 3 free checked bags in premium cabins
• Star Alliance Gold status for access to partner lounges
• Marriott Gold Status with the preferred partnership program (register here)

Premier Platinum (all Gold benefits plus:)

• 7 miles per $1
• Complimentary Economy Plus seats, or preferred seating, at booking for the status holder and up to 8 companions
• Complimentary upgrades 72 hours prior to departure (subject to availability)
• 40 PlusPoints to be used for flexible upgrades
• 3 free checked bags of 70 pounds on any flight
• Waived phone booking fee
• Avis President’s Club status (register here)
• $100 off a United Club All Access membership

Premier 1K (all Platinum benefits plus:)

• 9 miles per $1
• Complimentary upgrades 96 hours prior to departure (subject to availability)
• 280 PlusPoints (plus the 40 you earned with Platinum status)
• An additional 20 PlusPoints for every 3,000 PQP beyond 22,000 PQP
• Priority preboarding
• Free drinks and snacks when in economy on United Airlines
• Discounted membership in CLEAR+ for $129 so you can breeze through airport security
• $200 off a United Club All Access membership

See the full lineup of benefits for all the details and benefit terms.

Value of MileagePlus Elite Status

MileagePlus has not made significant changes to its elite status benefits in several years except for how status is achieved.

Premier Silver offers limited value for most travelers.

The Premier status fee waiver for same-day changes (even on international flights) is a road warrior favorite. Delta excludes silver members from its same-day change program, and American waives fees only for Executive Platinum and Platinum Pro.

Premier Gold also comes with Star Alliance Gold status. Many travelers do not realize that if your airport has a Star Alliance member lounge, you can use that lounge when flying any Star Alliance airline.

For example, when flying from Los Angeles to New York, you will not have access to the United Club. However, with Premier Gold, you can visit the superb Star Alliance Lounge in the Tom Bradley International Terminal (you can enter with a boarding pass for any terminal).

Where MileagePlus is more mixed is in upgrades. The PlusPoints system provides transparency and control, allowing elites to choose how to spend upgrade credits rather than relying purely on complimentary upgrades. However, real-world upgrade success rates have declined, particularly on busy routes, as more elites compete for limited seats. Delta and American have much more customer-friendly upgrade systems for their top-tier elites.

United doesn’t charge redeposit fees on most award tickets, but this applies to all loyalty members, so it isn’t a specific elite benefit. Elite members often receive expanded access to saver-level award space, unlocking lower-mileage redemption options that are not always visible to general members. This can significantly improve value, especially on popular routes, giving elites more opportunities to book flights at reduced mileage rates.

The real value in MileagePlus increasingly comes from holding a United credit card. Cardholders unlock benefits that go beyond basic earning, including higher mileage accrual on flights, discounts on award tickets, and access to expanded saver-level availability. These perks can significantly stretch the value of miles and make redemptions more attainable. In addition, credit card spending contributes toward Premier Qualifying Points, helping members reach elite status faster.

Hot Tip:

For more information and estimated valuations for elite tier benefits, check out our article: What is United MileagePlus Elite Status Worth For Seating and Upgrades.

How To Earn United Miles

There are numerous ways to earn United miles, including flights and credit card partnerships.

Earn Miles Through Flying

Mileage earning on United Airlines is based on ticket price rather than distance (base fare plus carrier-imposed fees, excluding government-imposed taxes and fees):

• General Member: 5 miles per $1
• Premier Silver: 7 miles per $1
• Premier Gold: 8 miles per $1
• Premier Platinum: 9 miles per $1
• Premier 1K: 11 miles per $1

When flying with a Star Alliance airline, miles are still earned based on distance (when booked with that partner airline), but depending on fare class, you may earn more or less than 100% of the distance flown. Consult the MileagePlus airline partner page to see how many miles your ticket will earn. If the flight was booked with United, but is operated by a partner airline, miles earned will be based on spend.

To chase elite status, Premier Qualifying Flights can only be earned on United Airlines and United Express flights.

United also has several other partners outside of Star Alliance that could fit your needs.

Earning Miles With Credit Cards

Extra miles can be earned through spending on the MileagePlus credit card and through activity with MileagePlus partners. Chase offers several co-branded United credit cards that can help you earn United miles.

United is a 1:1 Bilt Rewards and Chase transfer partner. Because Chase credit cards that earn Ultimate Rewards often have very lucrative bonus categories, you can often earn the most United miles using these cards.

Branded and Partnered Credit Cards

There are a few credit cards to help you earn United miles, which you can redeem for flights, upgrades, and other benefits.

United Airlines MileagePlus Credit Cards

Check out Chase’s co-branded United credit cards if you want to earn United miles directly.

ELEVATED OFFER

Terms Apply / Rates & Fees

United℠ Explorer Card

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.

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 up to 80,000 United MileagePlus bonus miles and 3,000 PQP after spending $3,000 on qualifying purchases in the first three months of opening an account, plus a $0 annual fee for the first year (70K + 10K more miles after adding an authorized user in the first three months).

Up to 80,000 miles

UP's Offer Valuation*:

$960

Annual Fee

$150

APR

19.74% - 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 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

• 9x total miles per $1 on eligible United flights
• 3x miles per $1 on all other eligible United purchases
• 2x miles per $1 on dining purchases (including delivery services), and hotel stays when booked with the hotel

Cons

• $0 intro annual fee for the first year, then $150
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn up to 80,000 bonus miles
• $0 introductory annual fee for the first year, then $150
• NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United^® purchases.
• 2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.
• Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply. Plus, priority boarding on United^® flights.
• 2 United Club one-time passes per year - over a $100 value
• Over $500 in partner credits each year
• NEW! Save at least 10% when booking flights with miles. Premier members earn even more.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

Rewards Center

United MileagePlus Frequent Flyer Program

ELEVATED OFFER

Terms Apply / Rates & Fees

United Club℠ Card

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.

Apply Now(at Chase's secure site)

United Club℠ Card

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

Welcome Offer

Earn up to 110,000 United MileagePlus bonus miles and 3,000 PQP after spending $5,000 on qualifying purchases in the first three months of opening an account (100K + 10K more miles with an authorized user).

Up to 110,000 miles

UP's Offer Valuation*:

$1,320

Annual Fee

$695

APR

19.74% - 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 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

• NEW! 11x total miles on eligible United flights and 5x miles on all other eligible United^® purchases
• 2x miles per $1 on dining and other travel purchases
• Complimentary United Club membership

Cons

• $695 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn up to 110,000 bonus miles and 3,000 PQP
• NEW! 11x total miles on eligible United flights and 5x miles on all other eligible United^® purchases
• 2x miles on dining and all other travel
• 1x mile on all other purchases
• United Club^SM card membership – at least a $750 value
• Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply) – and Premier Access^® travel services.
• Earn up to 20,000-miles in award flight discounts annually
• NEW! Save at least 10% when booking flights with miles. Premier members earn even more.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

ELEVATED OFFER

Terms Apply / Rates & Fees

United Quest℠ Card

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.

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 up to 100,000 United MileagePlus bonus miles and 3,000 PQP after spending $4,000 on qualifying purchases in the first three months of opening an account (90K + 10K more miles after adding an authorized user in the first three months).

Up to 100,000 miles + 3,000 PQP

UP's Offer Valuation*:

$960

Annual Fee

$350

APR

19.74% - 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 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

• 10x total miles per $1 on United flights
• 5x miles on stays through Renowned Hotels and Resorts
• 3x miles per $1 on other United purchases

Cons

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

Read Full Review

Card Highlights

• Earn up to 100,000 bonus miles and 3,000 PQP
• NEW! 10x total miles on eligible United flights and 4x miles on all other eligible United^® purchases
• 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
• NEW! Save at least 10% when booking flights with miles. Premier members earn even more.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

Terms Apply / Rates & Fees

United Gateway℠ Card

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 Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Apply Now(at Chase's secure site)

United Gateway℠ Card

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Welcome Offer

Earn up to 40,000 United MileagePlus bonus miles after spending $1,000 on qualifying purchases in the first three months of opening an account, plus 0% APR on purchases within the first twelve months (30K + 10K more miles with an authorized user).

Up to 40,000 miles

UP's Offer Valuation*:

$360

Annual Fee

$0

APR

0% Intro APR on Purchases for 12 months; after that, 19.74% - 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 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

• 5x total miles per $1 on United flights
• 2x miles per $1 on other 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

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 up to 40,000 bonus miles
• 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
• 5x total miles on eligible United flights and 2x miles on all other eligible 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
• NEW! Save at least 10% on flights booked with miles after spending $10,000 in a calendar year
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR on Purchases for 12 months; after that, 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

ELEVATED OFFER

Terms Apply / Rates & Fees

United℠ Business Card

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.

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 up to 110,000 United MileagePlus bonus miles and 2,000 PQP after spending $5,000 on qualifying purchases in the first three months of opening an account (100K + 10K more miles after adding an authorized user in the first 3 months).

Up to 110,000 miles + 2,000 PQP

UP's Offer Valuation*:

$1,320

Annual Fee

$150

APR

19.74% - 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 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

• 8x miles per $1 on United flights
• 2x miles per $1 on other 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 up to 110,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
• $150 Annual Fee.
• NEW! 8x total miles on eligible United flights.
• 2x miles on all other eligible United^® purchases. 2x miles on 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.
• NEW! Save at least 10% when booking flights with miles. Premier members earn even more.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

LIMITED TIME OFFER

United Club℠ Business Card

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.

Welcome Offer

Earn up to 110,000 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.

Up to 110,000 miles + 2,000 PQP

UP's Offer Valuation*:

$1,320

Annual Fee

$695

APR

19.74% to 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 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

• At least 8x total miles on eligible United flights
• 2x miles per $1 spent on other United purchases
• 1.5x miles per $1 spent on all other purchases

Cons

• $695 annual fee
• Earning rate for United purchases is poor compared to other United cards

Read Full Review

Card Highlights

• Earn 100,000 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. Plus, 10,000 bonus miles when you add an employee card in the first 3 months your account is open.
• Earn 8x total miles on eligible United flights
• Earn 2x miles on other 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: 19.74% to 28.24% Variable
• Foreign Transaction Fees: $0

MileagePlus and Cardmember Earn Rates

MileagePlus credit and debit cardholders can earn up to twice the miles per $1 on United flights compared to noncardholders, with additional miles awarded when tickets are purchased using a United card.

For Basic Economy or base options of Premium Plus or Polaris fares, the above earning rates are 3 miles less.

Cardmembers can earn even more miles when purchasing their flight using the applicable United credit card:

United MileagePlus^® Debit Rewards and United Gateway cardmembers must spend $10,000 within a calendar year to qualify for the table above. United Business Cardmembers and United Club Business cardmembers can earn up to 8 miles per $1 spent on eligible United flights.

Other United Cardholder Benefits

United cardholders also receive at least 10% off every award flight they book, reducing the number of miles required compared to noncardholders. For example, an 8,700-mile award would drop to 7,830 miles.

Cardholders also gain access to a special pool of lower-priced award seats. This includes Saver Award availability in United Polaris, a benefit previously limited to Premier Platinum and Premier 1K members.

According to United, cardholders with Premier status may find Saver Awards from around 68,000 miles, while nonelite cardholders may see availability starting at approximately 72,000 miles.

Chase Ultimate Rewards Credit Cards

Probably the best way to collect United miles is to earn Chase Ultimate Rewards. With plenty of bonus categories across these cards, you can earn tons of points.

Recommended Chase Cards (Personal)

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

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 fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.24% - 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 card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on 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 & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases, and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

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

Welcome Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.49% - 27.99% 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 card application.

Excellent

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.

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

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

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Card Highlights

• Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.49% - 27.99% Variable
• Foreign Transaction Fees: None

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Recommended Chase Cards (Business)

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Ink Business Preferred^® Credit Card

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 Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

17.74% - 26.74% 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 card application.

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

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Card Highlights

• Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Earn 5x total points on Lyft rides through 9/30/27.
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Receive complimentary access to DashPass by DoorDash.
• Member FDIC

Financial Snapshot

• APR: 17.74% - 26.74% Variable
• Foreign Transaction Fees: None

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Chase Ultimate Rewards

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Ink Business Cash^® Credit Card

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.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Apply Now(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome Offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

$750

UP's Offer Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.

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 card application.

Good to Excellent

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

• Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
• Earn 2% back on up to $25,000 spent in combined purchases on dining and gas, and 1% back on all other purchases
• Travel insurance and purchase protection

Cons

• Spending caps in bonus categories
• Low points earning outside of bonus categories

Read Full Review

Card Highlights

• Earn $750 when you spend $6,000 on purchases in the first three months after account opening
• Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
• Earn 2% cash back on the first $25,000 spent in combined purchases on dining and gas each account anniversary year. Earn 1% cash back on all other purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• No Annual Fee
• Complimentary three-month lnstacart+ membership.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

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Chase Ultimate Rewards

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Ink Business Unlimited^® Credit Card

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 Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750

UP's Offer Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

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 card application.

Good to Excellent

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Earn 5% total cash back on Lyft rides through 9/30/27.
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

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• Chase Ultimate Rewards

Ink Business Premier℠ Credit Card

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.

Earn up to 5% cash-back for your business without complex bonus earning categories!

Ink Business Premier℠ Credit Card

Earn up to 5% cash-back for your business without complex bonus earning categories!

Welcome Offer

Earn $1,000 bonus cash-back after you spend $10,000 on purchases in the first 3 months from account opening.

$1,000

UP's Offer Valuation*:

$1,000

Annual Fee

$195

APR

Flex for Business Variable APR: 17.99% - 25.99%

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 card application.

Good to Excellent (670-850)

Why We Like This Card

Chase has introduced the Ink Business Premier^® Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.

Pros & Cons

Pros

• Earn 2.5% total cash-back on purchases of $5,000 or more
• Earn 2% cash-back on all other business purchases
• Unlimited 5% total cash-back on travel purchased through Chase Travel

Cons

• $195 annual fee
• Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR

Read Full Review

Card Highlights

• Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
• Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
• Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
• Rich Rewards. Limitless Opportunities. With no minimum redemption amount, redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
• Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
• Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
• There’s no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.99% - 25.99%
• Foreign Transaction Fees: None

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

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 Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.

150,000 points

UP's Offer Valuation*:

$3,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

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 card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
• $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

Earn Miles With the MileagePlus Debit Card

While you will likely not earn as many United miles with the MileagePlus Debit Rewards Card as you would with one of the credit cards mentioned above, it is an option for those who prefer a debit card. The MileagePlus Debit Rewards card, issued by Sunrise Banks, N.A., offers a welcome bonus and earns 1 mile per $1 spent on United purchases and 1 mile per $2 spent on all other qualifying purchases.

If the account holder spends $10,000 or more in purchases in a year with the MileagePlus Debit Rewards card, they receive 2,500 bonus miles. Plus, they can earn up to 70,000 miles each year based on their average account balance. There is a $4 monthly fee for the MileagePlus Debit Rewards card, which is waived when the average monthly account balance is $2,000 or more.

Other Ways of Earning MileagePlus Miles

Shopping and Dining Portals

You can earn miles through dining and shopping portals by linking your card and making everyday purchases. MileagePlus Dining awards miles at participating restaurants, while MileagePlus Shopping gives miles for online purchases, letting you stack rewards alongside normal spending.

Hotels and Car Rentals

Earning miles is possible through hotel stays and car rentals with partners like Marriott or Hertz. Selecting miles instead of hotel points or adding a MileagePlus number to bookings helps generate rewards from everyday travel expenses beyond flights.

Hot Tip:

For more ways to earn lots of United MileagePlus miles, take a look at our in-depth article.

How To Redeem United Miles

Time to spend those hard-earned miles! On United, all award travel is booked one-way for flexibility, so you can book a different award type or even class of service on your outbound and return flights.

You can even purchase only a one-way ticket if there are one-way sale fares. This is especially true for international travel, since one-way tickets originating abroad are usually cheaper than U.S.-origin tickets.

United no longer publishes an award chart by region and destination, but it does have a flight award deals page if you’re looking for the lowest available award fares.

Short domestic routes start at 5,000 to 6,000 miles for basic economy, though availability is usually limited. The usual range you find for short-haul domestic flights is 7,500 to 10,000 miles, and 20,000 to 50,000 is fairly normal for international flights in economy. Route pricing is dynamic and is affected by cabin availability and seasonality.

Types of Award Redemptions

Saver Awards are no longer labeled in the results, so finding the cheapest award flights now takes more time to search and compare fares. These low-priced flights do exist, but you usually need advanced planning and flexibility with dates and times to find them.

Standard Awards offer greater availability but require more miles, and are still capacity-restricted unless you’re a MileagePlus Premier. Provided there’s seat availability, members can book any United-operated award flight without restrictions or blackout dates.

Premier members can also waitlist for international premier cabin award seats, which will be awarded as seats become available, in order of elite tier status.

MileagePlus Upgrade Awards can be purchased on most ticket types. Depending on your premier status, these can be complimentary on domestic flights or cleared immediately on international segments.

While award bookings may be made using another person’s miles and account, benefits such as Economy Plus seating and other Premier member privileges will apply only if the traveler is a Premier member.

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