Best United Airlines Credit Cards of April 2021

Best United Airlines Credit Cards of April 2021

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Citi is an advertising partner.

Whether you fly for business or pleasure, you've likely spent time aboard a United aircraft. With hubs in major cities like Chicago, Denver and San Francisco, United Airlines is one of the top three largest carriers in the country. As such, the airline offers a variety of credit cards that cater to all types of travelers. We've highlighted some of the best options below.

Recommended Cards

Best For
Credit Needed
Annual Fee
United℠ Explorer Card
United℠ Explorer CardBusiness ownersExcellent/Good$0 Intro for the First Year, then $95
Apply Now
  • On Chase's Secure Website
United℠ Business Card
United℠ Business Card Business ownersExcellent/Good$0 For 12 months, then $99
Apply Now
  • On Chase's Secure Website
United Club℠ Infinite Card
United Club℠ Infinite CardUnited Club accessExcellent$525
Apply Now
  • On Chase's Secure Website
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® CardNon-United card for earning milesExcellent$95
Apply Now
  • On Chase's Secure Website
The Platinum Card® from American Express
The Platinum Card® from American ExpressNon-United card for lounge accessExcellent/Good$550
Apply Now
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data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4349.jpg\",\"name\":\"United\\u2120 Explorer Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"United℠ Explorer Card\" href=\"#bestoverall\"\u003E\u003Cstrong\u003EUnited℠ Explorer Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Business owners","Excellent\/Good","$0 Intro for the First Year, then $95","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/180?url=_best-united-airlines-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On Chase's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/180?url=_best-united-airlines-credit-cards\",\"name\":\"United\\u2120 Explorer Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"United\u2120 Business Card \" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4187.png\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4187.png\",\"name\":\"United\\u2120 Business Card \"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cstrong\u003EUnited℠ Business Card \u003C\/strong\u003E","Business owners","Excellent\/Good","$0 For 12 months, then $99","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1213?url=_best-united-airlines-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On Chase's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/1213?url=_best-united-airlines-credit-cards\",\"name\":\"United\\u2120 Business Card \"}\u003C\/script\u003E\n\n\u003C\/div\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"United Club\u2120 Infinite Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4348.jpg\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4348.jpg\",\"name\":\"United Club\\u2120 Infinite Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"United Club℠ Infinite Card\" href=\"#club\"\u003E\u003Cstrong\u003EUnited Club℠ Infinite Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","United Club access","Excellent","$525","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1229?url=_best-united-airlines-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On Chase's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/1229?url=_best-united-airlines-credit-cards\",\"name\":\"United Club\\u2120 Infinite Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv 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Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Non-United card for earning miles","Excellent","$95","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/92?url=_best-united-airlines-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On Chase's Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/92?url=_best-united-airlines-credit-cards\",\"name\":\"Chase Sapphire Preferred\\u00ae Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E"],["\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateImage\" data-component-name=\"AffiliateImage\"\u003E\n \u003Cdiv class=\"AffiliateImage--root AffiliateImage--align-left \"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"The Platinum Card\u00ae from American Express\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4577.png\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4577.png\",\"name\":\"The Platinum Card\\u00ae from American Express\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Platinum Card\u00ae from American Express\" href=\"#platinum\"\u003E\u003Cstrong\u003EThe Platinum Card\u00ae from American Express\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","Non-United card for lounge access","Excellent\/Good","$550 \u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003E(\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"See Rates & Fees\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/#terms-details?print\"\u003ESee Rates & Fees\u003C\/a\u003E\u003C\/span\u003E)\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/54?url=_best-united-airlines-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-charge-card\/26129-10-0\/?print#terms-details\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply.\u003C\/li\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn American Express' Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/platinum-charge-card\\\/26129-10-0\\\/?print#terms-details\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"icon\":\"lock\",\"label\":\"Apply Now\",\"link\":\"\\\/credit-cards\\\/redirect\\\/54?url=_best-united-airlines-credit-cards\",\"name\":\"The Platinum Card\\u00ae from American Express\"}\u003C\/script\u003E\n\n\u003C\/div\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1200","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

Recommended Cards

United℠ Explorer Card
United℠ Explorer Card
Apply Now
  • On Chase's Secure Website
United℠ Business Card
United Club℠ Infinite Card
United Club℠ Infinite Card
Apply Now
  • On Chase's Secure Website
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Apply Now
  • On Chase's Secure Website
The Platinum Card® from American Express
The Platinum Card® from American Express
Apply Now

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\"\u003E\u003Cdiv class=\"AffiliateImage--wrapper\"\u003E\u003Cimg alt=\"United Club\u2120 Infinite Card\" class=\"Image--root \" src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4348.jpg\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateImage\"\u003E{\"align\":\"\",\"className\":\"\",\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4348.jpg\",\"name\":\"United Club\\u2120 Infinite Card\"}\u003C\/script\u003E\n\n\u003C\/div\u003E","\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"United Club℠ Infinite Card\" href=\"#club\"\u003E\u003Cstrong\u003EUnited Club℠ Infinite Card\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E","\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-AffiliateButton\" data-component-name=\"AffiliateButton\"\u003E\n \u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/1229?url=_best-united-airlines-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"DisclaimersList--root\"\u003E\u003Cul class=\"DisclaimersList--unordered-list\"\u003E\u003Cli class=\"DisclaimersList--list-item\"\u003EOn Chase's Secure Website\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"AffiliateButton\"\u003E{\"category\":\"creditcards\",\"color\":\"primary\",\"context\":\" in context: Banner\",\"disclaimers\":[\"On 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Continue reading below for the benefits and features of the top United cards — and for our recommendation on the best non-United card for earning MileagePlus miles.

Best United Airlines Credit Card Overall

United℠ Explorer Card

  • On Chase's Secure Website

$0 Intro for the First Year, then $95

16.49% to 23.49% Variable

Excellent/Good

  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, an additional 25,000 bonus miles after you spend $10,000 in the first 6 months
  • $0 introductory annual fee for the first year, then $95
  • Earn 2 miles per $1 spent at restaurants, on hotel stays, and on United purchases
  • Up to $100 Global Entry or TSA PreCheck® fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club? with 2 one-time passes each year for your anniversary
  • Earn 2 miles per $1 spent at restaurants and eligible delivery services

Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, an additional 25,000 bonus miles after you spend $10,000 in the first 6 months

The United℠ Explorer Card is our favorite card for United frequent flyers due to its points-earning potential, free checked bag benefit and host of travel perks — among which include a Global Entry credit, two passes to the United Club and priority boarding. For a card with an annual fee of $0 Intro for the First Year, then $95, the United℠ Explorer Card offers considerable benefits compared to its peers.

Travel Benefits for an Excellent Price

If you're a frequent flyer on United, the United℠ Explorer Card offers enough benefits to more than offset its annual fee. For starters, you'll get a free checked bag on every flight, which is a value of $120 per round trip. You'll also get a $100 Global Entry or TSA Precheck reimbursement, two United Club passes (a value of $118), and a 25% discount on in-flight Wi-Fi, food and drink purchases on United flights.

Top Co-Branded Choice for Earning Miles

The United℠ Explorer Card is an excellent choice for travelers looking to accumulate MileagePlus miles. You'll Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases. There's also an excellent welcome bonus with the United℠ Explorer Card: Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, an additional 25,000 bonus miles after you spend $10,000 in the first 6 months.

Best United Card for Small-Business Owners

United℠ Business Card

  • On Chase's Secure Website

$0 For 12 months, then $99

16.49% - 23.49% Variable

Excellent/Good

  • 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $99.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal United credit card.
  • Earn 2 miles per $1 spent on United purchases, at restaurants (including eligible delivery services), 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.
  • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket.
  • Enjoy priority boarding privileges and get 2 United Club℠ one-time passes at account opening and each year for your anniversary.
  • $100 United travel credit after 7 United flight purchases of $100 or more each anniversary year.

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, $0 introductory annual fee for the first year, then $99.

The United℠ Business Card is a great choice for small-business owners who travel with United. The card offers the ability to Earn 2 miles per $1 spent on United purchases, at restaurants, gas stations, office supply stores and on local transit and commuting. Earn 1 mile per $1 spent on all other purchases. You'll also benefit from some of the same perks provided by the consumer version of this card, like a free checked bag and two United Club passes.

Hundreds in Annual Value for Frequent Flyers

If you're a frequent flyer on United, the benefits of the United℠ Business Card will outweigh the annual fee ($0 For 12 months, then $99) after the first few flights. The card provides one free checked bag per flight for you and a travel companion, which is a $120 value per round trip.

Best Credit Card for United Club Access

United Club℠ Infinite Card

  • On Chase's Secure Website

$525

16.49% - 23.49% Variable

Excellent

  • Earn 75,000 Bonus Miles
  • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services
  • Earn 1 mile per $1 spent on all other purchases
  • Up to $100 Global Entry or TSA PreCheck® fee credit
  • Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flight when you pay with your Club Card

Earn 75,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening

If your main priority is having access to United's network of airport lounges, the United Club℠ Infinite Card is the best choice for you. For an annual fee of $525, you'll get access to the United Club, plus you’ll Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.

Decent Rewards on Everyday Spending

Not only does the United Club℠ Infinite Card offer generous miles on United purchases, it lets you Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases., making it the most lucrative of all United cards. Like the United℠ Explorer Card, it offers a $100 Global Entry or TSA PreCheck™ fee credit, plus one additional perk: both your first and second checked bags are free on United flights. If you fly regularly with a companion, your savings on luggage fees could justify most of the fee for the card.

Consider Other Cards with Lounge Access

Depending on how often you fly United, you may want to consider other cards with a lounge access benefit, like The Platinum Card® from American Express or the Chase Sapphire Reserve®. Both of these cards come with a Priority Pass membership, which gives you access to hundreds of international and domestic lounges.

Best Non-United Card for Earning United Miles

Chase Sapphire Preferred® Card

  • On Chase's Secure Website

$95

15.99% - 22.99% Variable

Excellent

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself BackSM, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening.

If you're looking to earn United miles and don't care about benefits like free checked bags and priority boarding, the Chase Sapphire Preferred® Card is a much better choice for you than the United℠ Explorer Card. With the Chase Sapphire Preferred® Card, you'll earn 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide.

Coronavirus updates. Until April 30, 2021, cardholders can use the "Pay Yourself Back" feature to get 1.25 cents per point redeemed for statement credits on grocery stores, home improvement, restaurant purchases or donations to eligible charities.

Chase Ultimate Rewards vs. MileagePlus Miles

One of the advantages of getting a Chase Sapphire Preferred® Card is that the Ultimate Rewards points can be transferred to 14 travel partners, including United. You'll get a 1:1 ratio on transfers to United. Alternatively, when you redeem your Ultimate Rewards points through Chase's travel portal, you'll get 25% more value.

Excellent Welcome Bonus

The Chase Sapphire Preferred® Card also comes with a great sign-up bonus: Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening.

Best Non-United Card for Lounge Access

The Platinum Card® from American Express

$550

See Pay Over Time APR

Excellent/Good

  • Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That’s an additional 9 points on top of the 1 point you earn for these purchases.
  • Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.
  • 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties . Learn More.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • $550 annual fee.
  • Terms Apply.

75,000 Membership Rewards® Points after you use your new Card to make $5,000 in purchases in your first 6 months.

Like the United Club℠ Infinite Card, The Platinum Card® from American Express is a premium credit card that offers lounge access as a benefit included in the card's annual fee. However, the United Club℠ Card provides access to United Club lounges, while The Platinum Card® from American Express offers access to the American Express Global Lounge Collection. This collection includes over 1,200 lounges across the globe.

Worth the Annual Fee for Travelers

For a $550 annual fee, The Platinum Card® from American Express comes with a host of travel benefits aside from lounge access. These include up to $200 in yearly Uber credits, up to a $100 Global Entry voucher, car rental loss and damage insurance, Marriott Bonvoy Gold Elite status, and Hilton Honors Gold Elite status.

Industry-Leading Rewards Rate

The Platinum Card® from American Express also has an excellent welcome bonus and rewards rate on travel purchases. The card earns 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. If you spend a lot on airfare, this is a great card for maximizing those purchases.

For rates and fees of The Platinum Card® from American Express, please click here.

The information related to the United℠ Business Card have been independently collected by ValuePenguin and have not been reviewed or provided by the issuer of this card prior to publication.

Below are some common questions people have about the United MileagePlus credit cards.

How do United MileagePlus miles work?

You'll earn United miles by spending with your co-branded credit card and purchasing airline tickets from United. Once you're earned miles, you can use them for airline tickets on United or other travel expenses.

Which United credit card is best?

The best United credit card depends on your spending habits and travel preferences. However, we'd suggest the United℠ Explorer Card for most people. It earns Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases, and it comes with a competitive welcome offer.

Yowana is a former product analyst at ValuePenguin, specializing in credit cards, rewards programs and travel. He previously covered mortgages, banking and insurance for the website. Yowana graduated from Columbia University with a B.A. in Political Science.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).