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The Best United credit cards offers
United and Chase have a bunch of personal and business credit cards to chose from, and we’ve complied a list of the very best offers you can find on each and every one of them. There was a complete overhaul of the cards…from names, to perks and benefits, and annual fees. The biggest, and probably most confusing aspect of the changes is whether or not the benefits would be useful.
Peruse down below, and if you happen to know about/see an offer than is better, give us a shout via comment or email and we will update the offer.
One of the best uses of United miles is International business class
- United business class review 77W EWR to TLV
- United business class review 77W GRU to ORD
- United business class review 767 ORD to LHR
Table of Contents
United Personal Cards
The New United Gateway℠ Card
This is the entry level United Card from Chase that has no annual fee and gets you some basic United benefits like 25% back on food/beverages/Wifi in flight. Personally I would opt for one of the more premium cards where you can offset more of the annual fee with credits, but that’s just me.
- 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
The New United Gateway℠ Card
No annual fee and earn 25% back on United in flight beverages or premium beverages in United Clubs
Welcome Offer
Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open
Annual Fee
$0
Points Earned
United Miles
- 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
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
If you occasionally fly United and you’d like in flight food/beverage discounts, then I guess this is one to consider.
Personally, if you want some real United perks, start with this card’s big brother the United(SM) Explorer Card – it has an annual fee, but there is much more substance to it.
The New United℠ Explorer Card
This is a United credit card that could be beneficial to United loyalists since it comes with a free first checked bag for you and a companion, 2 United Club passes each year, priority boarding, and the 25% in flight statement credit for food/beverage/Wifi. You’ll also get a Global Entry/TSA Pre $120 credit every four years you keep the card + an absolutely long list of potentially valuable credits. Not bad for $150 a year!
The biggest question I have is whether or not most people will get value from the other benefits/credits. For instance, the Avis/Budget credit is United® TravelBank cash, not a statement credit and is across two rentals. The rideshare credits are $5 a month. It’s a lot of keep track of, and I do this for a living.
- $0 introductory annual fee for the first year, then $150
- 2x miles on United® purchases, dining, and hotel stays when booked with the hotel
- Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
- Free first checked bag – a savings of up to $160 per roundtrip. Terms Apply.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- Earn a $100 United travel credit after spending $10,000 on purchases with your UnitedSM Explorer Card within a calendar year
- Over $400 in partner credits each year
- 5x total miles on hotel stays purchased through United® Hotels: 2 miles per $1 spent as a MileagePlus® member, 2 miles per $1 spent with your card, plus an additional 1 mile per $1 spent from United when you prepay through United Hotels
- Earn an annual 10,000-mile award flight discount
- Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year with your United℠ Explorer Card
- Up to $100 in credits on United® Hotels purchases annually
- Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your UnitedSM Explorer Card, up to $100 each anniversary year
- Earn up to $60 in credits on rideshare purchases annually
- Enroll to receive up to $5 back as a statement credit each month on rideshare purchases when you pay with your United℠ Explorer Card, up to $60 each calendar year. Yearly opt-in is required
- Up to $50 in United travel credits on Avis or Budget purchases annually
- Receive $25 in United® TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United℠ Explorer Card
- Up to $100 in credits on JSX purchases annually
- Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United℠ Explorer Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX
- 3-Month Complimentary Instacart+ Membership. Terms apply.
- Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you’re automatically enrolled in Instacart+ at 25% off the annual rate. Service fees and Terms apply. Benefits end 12/31/27
- Up to $120 in Instacart credits annually. Terms apply.
- Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your UnitedSM Explorer Card. Terms apply. Benefits end 12/31/27
- Member FDIC
The New United℠ Explorer Card
The New United℠ Explorer Card offers Free first checked bag, Priority Boarding, 2x United Club passes + more.
Welcome Offer
Earn 80,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
Annual Fee
$0 first year; then $150
Points Earned
United 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
- Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year for your anniversary
- Free first checked bag – a savings of up to $160 per roundtrip. Terms Apply.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- Earn a $100 United travel credit after spending $10,000 on purchases with your UnitedSM Explorer Card within a calendar year
- Over $400 in partner credits each year
- Earn an annual 10,000-mile award flight discount
- 5x total miles on hotel stays purchased through United® Hotels: 2 miles per $1 spent as a MileagePlus® member, 2 miles per $1 spent with your card, plus an additional 1 mile per $1 spent from United when you prepay through United Hotels
- Up to $100 in credits on United® Hotels purchases annually
- Earn up to $60 in credits on rideshare purchases annually
- Up to $50 in United travel credits on Avis or Budget purchases annually
- Up to $100 in credits on JSX purchases annually
- 3-Month Complimentary Instacart+ Membership. Terms apply.
- Up to $120 in Instacart credits annually. Terms apply.
- Member FDIC
We have seen 70k after $3k spend in 3 months with a waived annual fee
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
If you occasionally fly on United, but don’t have status or care about earning it, this card could come in handy.
You and a companion get your first checked bag fee waived which could = $140 roundtrip combined, or if you travel alone, $70 roundtrip.
Priority boarding could be helpful in getting overhead space, and you’ll get two United Club passes each year you keep the card.
You’ll get 25% back on food, beverages, WiFi that you purchase on board, and up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
The New United Quest℠ Card
This is a true premium United credit card that comes with a $350 annual fee. You’ll get a 10k mile discount every anniversary – which is great. You’ll get a $200 annul United® TravelBank cash credit – great. Those two alone come close to offsetting the fee. All of the other stuff, much like the Explorer are tough to use. The United® TravelBank cash credit you receive on the Avis and Budget rentals is higher, but still split across two rentals and not a statement credit, the rideshare credits are monthly, etc. If you’re looking to hit status you get some bonus PQPs…
- 3x miles on United® purchases
- 2x miles on all other travel, dining, and select streaming services
- 1x mile on all other purchases
- $200 annual United travel credit –
- Automatically receive $200 in United® TravelBank cash after account opening and annually on your account anniversary, for a future United®- or United Express®-operated flight.
- Annual 10,000-mile award flight discount –
- Starting with your first anniversary and every anniversary thereafter, you’ll get a 10,000-mile discount to use toward an eligible award flight.
- Earn a 10,000-mile award flight discount each year –
- Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year with your United Quest℠ Card.
- Earn 2 global Economy Plus® seat upgrades –
- Enjoy extra leg room on your next United- or United Express®- operated flight: Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year with your United Quest℠ Card.
- Up to $150 in credits for Renowned Hotels and Resorts for United® Cardmembers –
- Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Quest℠ Card.
- Up to $100 in credits on rideshare purchases annually –
- Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your United QuestSM Card: $8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.
- Up to $80 in United travel credits on Avis or Budget purchases –
- Receive $40 in United® TravelBank cash, up to $80 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Quest℠ Card.
- Up to $150 in credits on JSX purchases annually –
- Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your United Quest℠ Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
- 1,000 Card Bonus PQP each qualification year, starting in 2026 –
- Get a jump start on earning Premier status with 1,000 Card Bonus Premier qualifying points (PQP) each year. PQP can be applied toward your Premier® status qualification, up to and including the Premier 1K® level. Your Card Bonus PQP will be applied to your MileagePlus account within 6 to 8 weeks after February 1 each year, starting in 2026. Your Quest Card must be open as of December 31 of the prior year and must be open when PQP are applied.
- Earn up to 18,000 Premier® qualifying points (PQP) –
- You’ll earn 1 PQP for every $20 you spend on purchases with your Quest℠ Card, up to 18,000 PQP in a calendar year. This can be applied toward your Premier® status qualification.
- 3-Month Complimentary Instacart+ Membership –
- Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you’re automatically enrolled in Instacart+ at 50% off the annual rate. Service fees and Terms apply. Benefits end 12/31/27.
- Up to $180 in Instacart credits –
- Receive one $10 Instacart credit and one $5 Instacart credit monthly, up to $180 total each calendar year, for purchases made directly through Instacart with your United QuestSM Card. Terms apply. Benefits end 12/31/27.
- Member FDIC
The New United Quest℠ Card
The New United Quest℠ Card is a United Airlines premium card offering $200 flight credit, two 5000 mileage credits, 2 free checked bags, and more.
Welcome Offer
Earn 90,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open
Annual Fee
$350
Points Earned
United Miles
- 3x miles on United® purchases
- 2x miles on all other travel, dining, and select streaming services
- 1x mile on all other purchases
- Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary (terms apply)
- Earn a 10,000-mile award flight discount after spending $20,000 each calendar year
- Earn 2 global Economy Plus® seat upgrades after spending $40,000 each calendar year
- Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 6 to 8 weeks after February 1 each year, starting in 2026.
- Up to $150 in credits for Renowned Hotels and Resorts for United® Cardmembers
- Up to $100 in credits on rideshare purchases annually
- Up to $80 in United travel credits on Avis or Budget purchases annually
- Up to $150 in credits on JSX purchases annually
- 1,000 Card Bonus PQP each qualification year, starting in 2026
- Earn up to 18,000 Premier® qualifying points (PQP) per year
- 3-Month Complimentary Instacart+ Membership. Terms apply.
- Up to $180 in Instacart credits annually. Terms apply.
- Member FDIC
We have seen up to 100k after $5k spend in 3 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
$350 is a lot for an annual fee so you want to make sure you’re extracting value.
I would take a close look at the litany of statement credits that the card comes with, if you will make use of them, you could end up extracting a ton of value, if not…it’s probably a pass.
Enjoying the United Polaris Pajamas I was given on my flight from Newark to Tel Aviv, Israel
The New United Club℠ Card
This is the flagship United credit card and really only makes sense if you travel a lot on United and want lounge access. Typically, lounge access is going to cost you $750 a year, but this card comes with it as a perk and costs $695. You’re already ahead. You’ll get 20k The other big perk, and this is really important if you like United but don’t have status, is the 2 free checked bags for you and a companion. Those fees could add up fast, and with status requiring higher and higher spend, could end up saving you quite a bit of money if you’re wanting Club access.
- 4x miles on United® purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
- United Club℠ membership –
- Primary Cardmembers receive a value of at least $750, including additional guest privileges with their United Club Membership. Primary Cardmembers and their eligible travel companions, including 1 adult guest and dependent children, will enjoy access to 45+ United Club locations worldwide. For an updated status on United Club locations, any temporary closures, guest policies, and to learn more about the United Club memberships available, please visit united.com/UnitedClub.
- United ClubSM All Access membership* –
- Unlock All Access membership as a Cardmember after reaching Premier Gold status or by spending $50,000 on purchases each calendar year with your United ClubSM Card. In addition to your membership benefits, you will have: Total of 2 adult guests or 1 adult guest plus your dependent children under the age of 18 will have access to all United Club locations. Access to participating Star AllianceTM–member affiliated lounges for you and your eligible travel companions. Four one-time Club passes for your authorized users each year.
- Earn 4 United Club one-time passes with United Club℠ All Access Membership and an authorized user –
- Cardmembers with United Club All Access Membership and an authorized user on their account, will earn 4 United Club one-time passes annually on their account anniversary. (Over a $200 value per year.) Receive United Club All Access Membership after spending $50,000 in a calendar year or earning Premier Gold status or higher. Each pass grants one person one-time access to a United Club location, so long as the primary Cardmember or an authorized user is also admitted. Please allow 3 weeks from the date an authorized user is added before the authorized user redeems a one-time pass without the primary Cardmember present. For an updated list of United Club locations and any temporary closures, please visit united.com.
- Earn up to 20,000-miles in award flight discounts each year –
- Earn a 10,000-mile discount after spending $20,000 each calendar year with your United Club℠ Card — up to two times per calendar year.
- Up to $200 in credits for Renowned Hotels and Resorts for United® Cardmembers –
- Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Club℠ Card.
- Up to $150 in credits on rideshare purchases –
- Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club℠ Card: $12 back as a statement credit each month from January through November, and up to $18 back for the month of December. Yearly opt-in is required.
- Up to $100 in United travel credits on Avis or Budget car purchases –
- Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Club℠ Card.
- Up to $200 in credits on JSX purchases annually –
- Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United ClubSM Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
- 1,500 Card Bonus PQP each qualification year, starting in 2026 –
- Get a jump start on earning Premier status with 1,500 Card Bonus Premier qualifying points (PQP) each year. PQP can be applied toward your Premier® status qualification, up to and including the Premier 1K® level. Your Card Bonus PQP will be applied to your MileagePlus account within 6 to 8 weeks after February 1 each year, starting in 2026. Your Club Card must be open as of December 31 of the prior year and must be open when PQP are applied.
- Earn up to 28,000 Premier® qualifying points (PQP) –
- You’ll earn 1 PQP for every $15 you spend on purchases with your Club℠ Card, up to 28,000 PQP in a calendar year. This can be applied toward your Premier® status qualification, up to and including the Premier 1K® level.
- Complimentary Instacart+ Membership –
- Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
- Up to $240 in Instacart Credits –
- Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart when you pay with your United ClubSM Card. Terms apply. Benefits end 12/31/27
- Member FDIC
The New United Club℠ Card
The New United Club℠ Card comes with United Club℠ access, , 2 free checked bags, and the ability to earn PQPs via spend to help earn United status and an extensive list of benefits and credits now.
Welcome Offer
Earn 95,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$695
Points Earned
United Miles
- 4x miles on United® purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
- United ClubSM 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 a 10,000-mile award flight discount after $20,000 in purchases – up to two times each calendar year
- 5x miles on stays purchased through Renowned Hotels and Resorts for United® Cardmembers
- United Club℠ membership included- At least a $750 value per year.
- Unlock United Club(SM) All Access Membership as a cardmember after reaching Premier Gold status or by spending $50,000 each calendar year with your United ClubSM Card.
- Starting with your first anniversary and every anniversary thereafter, earn 4 United Club℠ one-time passes when you have United Club All Access Membership and an authorized user.
- Earn up to 20,000-miles in award flight discounts 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
- 1,500 Card Bonus PQP each qualification year, starting in 2026
- Earn up to 28,000 Premier® qualifying points (PQP) per year
- Complimentary Instacart+ Membership. Terms apply.
- Up to $240 in Instacart credits annually. Terms apply
- Member FDIC
We have seen 120k after $6k in 3 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
This is the flagship United credit card and really only makes sense if you travel a lot on United and want lounge access.
Typically, lounge access is going to cost you $750 a year, but this card comes with it as a perk and only has an annual fee of $695.
The other big perk, and this is really important if you like United but don’t have status, is the 2 free checked bags for you and a companion. Those fees could add up fast, and with status requiring higher and higher spend, could end up saving you quite a bit of money.
Other notable benefits: You’ll also get IHG Platinum status with a $75 statement credit towards IHG hotel purchases and 10% back on Economy Saver flights
Swiss business class is a great use of United miles as well..starting at 70k from the US to Europe
Swiss Business Class LAX-ZRH in a Throne Seat
United Business Cards
The New United℠ Business Card
This card is kind of the business version of the United Explorer card. It comes with a $125 United® TravelBank cash credit if you buy more than 5 United flights of more than $100 a year, 2 United ClubSM one-time passes, first checked bag for you and a companion, and if you carry it alongside a United personal card, you’ll get 5000 bonus miles, the rideshare credits, and the car rental credits. For $150 a year, I’d say this is a better card than the Explorer and doesn’t count against your Chase 5/24 number.
- $150 Annual Fee.
- 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 UnitedSM 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 ClubSM one-time passes per year, and priority boarding privileges.
- $125 United travel credit – Receive $125 in United® TravelBank cash after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
- Earn 2 continental U.S. Economy Plus® seat upgrades – Enjoy extra legroom on your next United®- or United Express®-operated flight: Earn 2 continental U.S. Economy Plus seat upgrades after spending $25,000 on purchases each calendar year with your United℠ Business Card.
- Up to $25 in credits on United FareLock purchases – Earn up to $25 back as a statement credit each anniversary year after you buy FareLock with your United℠ Business Card on a United- or United Express®- operated flight. Use FareLock to hold a seat on your flight for a set price for 3, 7, or 14 days and your ticket price won’t go up during the hold period. To learn more about FareLock, visit united.com/FareLock.
- 5x total miles on hotel stays purchased through United® Hotels – 2 miles per $1 spent as a MileagePlus® member, 2 miles per $1 spent with your card, plus an additional 1 mile per $1 spent from United when you prepay through United Hotels.
- Up to $100 in United® Hotels credits – Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your UnitedSM Business Card, up to $100 each anniversary year.
- Up to $100 in credits on rideshare purchases – Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases when paying with your UnitedSM Business Card: $8 back as a statement credit each month from January through November and up to $12 back for the month of December. Yearly opt-in is required.
- Up to $50 in United travel credits on Avis or Budget car purchases – Receive $25 in United® TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United℠ Business Card.
- Up to $100 in credits on JSX purchases annually – Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United℠ Business Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
- Earn up to 4,000 Premier® qualifying points (PQP) – You’ll earn 1 PQP for every $20 you spend on purchases with your Business Card, up to 4,000 PQP in a calendar year. This can be applied toward your Premier® status qualification.
- 3-Month Complimentary Instacart+ Membership – Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you’re automatically enrolled in Instacart+ at 25% off the annual rate. Service fees and Terms apply. Benefits end 12/31/27.
- Up to $120 in Instacart credits – Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your UnitedSM Business Card. Terms apply. Benefits end 12/31/27
- Member FDIC
The New United℠ Business Card
The New United℠ Business Card comes with several United perks including first free checked bag for you and a companion, 2 United Club passes per year, 2 continental U.S. Economy Plus® upgrades a year, and a ton of credits
Welcome Offer
Limited Time: Earn 125,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Annual Fee
$150
Points Earned
United Miles
- $150 Annual Fee.
- 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 UnitedSM 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 ClubSM 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 UnitedSM Business Card.
- Earn 2 continental U.S. Economy Plus® seat upgrades each year
- Up to $25 in credits on United FareLock purchases annually
- 5x total miles on hotel stays purchased through United® Hotels: 2 miles per $1 spent as a MileagePlus® member, 2 miles per $1 spent with your card, plus an additional 1 mile per $1 spent from United when you prepay through United Hotels
- Up to $100 in credits on United® Hotels purchases annually
- Up to $100 in credits on rideshare purchases annually
- Up to $50 in United travel credits on Avis or Budget purchases annually
- Up to $100 in credits on JSX purchases annually
- Earn up to 4,000 Premier® qualifying points (PQP) per year
- 3-Month Complimentary Instacart+ Membership. Terms apply.
- Up to $120 in Instacart credits annually. Terms apply.
- Member FDIC
We’ve seen 150k after $20k spend in 6 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
This card is kind of the business version of the The New United Explorer card.
It also comes with 2 United Club passes, first checked bag for you and a companion, and if you carry it alongside a United personal card, you’ll get 5000 bonus miles.
For $99 a year, I’d say this is a better card than the Explorer and doesn’t count against your Chase 5/24 number.
The United Club℠ Business Card
This is the business version of the Club Infinite card that comes with complimentary United Club access for just $695 a year vs $750 if you bought United ClubSM access without the card. It also comes with Avis President’s Club status ( top tier ), Premier Access on United which includes expedited check-in, early boarding, more award space, and you even get primary rental car coverage. You’ll also get some seat upgrades, 4 United Club℠ passes and credits for car rentals and rideshare. The main reason you’re getting this card is because you value lounge access, so if you value that for your business, this is the way to go.
- United Club℠ membership –
- Primary Cardmembers receive a value of at least $750, including additional guest privileges with their United Club Membership. Primary Cardmembers and their eligible travel companions, including 1 adult guest and dependent children, will enjoy access to 45+ United Club locations worldwide. For an updated status on United Club locations, any temporary closures, guest policies, and to learn more about the United Club memberships available, please visit united.com/UnitedClub
- United ClubSM All Access membership* –
- Unlock All Access membership as a Cardmember after reaching Premier Gold status or by spending $50,000 on purchases each calendar year with your United ClubSM Business Card. In addition to your membership benefits, you will have: Total of 2 adult guests or 1 adult guest plus your dependent children under the age of 18 will have access to all United Club locations. Access to participating Star AllianceTM–member affiliated lounges for you and your eligible travel companions. Four one-time Club passes for your employee cards each year.
- Earn 4 United Club one-time passes with United Club℠ All Access Membership and an employee card –
- Cardmembers with United Club All Access Membership and an employee card on their account, will earn 4 United Club one-time passes annually on their account anniversary. (Over a $200 value per year.) Receive United Club All Access Membership after spending $50,000 in a calendar year or earning Premier Gold status or higher. Each pass grants one person one-time access to a United Club location, so long as the primary Cardmember or an employee is also admitted. Please allow 3 weeks from the date an employee card is added before the employee redeems a one-time pass without the primary Cardmember present. For an updated list of United Club locations and any temporary closures, please visit united.com.
- Earn 2 global Economy Plus® seat upgrades –
- Enjoy extra leg room on your next United- or United Express®- operated flight: Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year with your United Club℠ Business Card.
- Earn 2 global Economy Plus® seat upgrades –
- Enjoy extra leg room on your next United- or United Express®- operated flight: Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year with your United Club℠ Business Card.
- Up to $50 in credits on United FareLock purchases –
- Earn up to $50 back as a statement credit each anniversary year after you buy FareLock with your United Club℠ Business Card on a United- or United Express®- operated flight. Use FareLock to hold a seat on your flight for a set price for 3, 7, or 14 days and your ticket price won’t go up during the hold period. To learn more about FareLock, visit united.com/FareLock.
- Up to $200 in credits for Renowned Hotels and Resorts for United® Cardmembers –
- Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Club℠ Business Card.
- Up to $150 in credits on rideshare purchases –
- Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club℠ Business Card: $12 back as a statement credit each month from January through November, and up to $18 back for the month of December. Yearly opt-in is required.
- Up to $100 in United travel credits on Avis or Budget car purchases –
- Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd
- Avis or Budget car rentals booked directly through cars.united.com and paid for with your United Club℠ Business Card.
- Up to $200 in credits on JSX purchases annually –
- Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United ClubSM Business Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
- Earn up to 28,000 Premier® qualifying points (PQP) –
- You’ll earn 1 PQP for every $15 you spend on purchases with your Club℠ Business Card, up to 28,000 PQP in a calendar year. This can be applied toward your Premier® status qualification, up to and including the Premier 1K® level.
- Complimentary Instacart+ Membership –
- Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
- Up to $240 in Instacart Credits –
- Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Avis or Budget car rentals booked directly through cars.united.com and paid for with your United Club℠ Business Card.
- Up to $200 in credits on JSX purchases annually –
- Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United ClubSM Business Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
- Earn up to 28,000 Premier® qualifying points (PQP) –
- You’ll earn 1 PQP for every $15 you spend on purchases with your Club℠ Business Card, up to 28,000 PQP in a calendar year. This can be applied toward your Premier® status qualification, up to and including the Premier 1K® level.
- Complimentary Instacart+ Membership –
- Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
- Up to $240 in Instacart Credits –
- Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your United ClubSM Business Card. Terms apply. Benefits end 12/31/27.
- Member FDIC
- United Club Access
Non-affiliate
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
The United Club℠ Business Card
The United Club℠ Business Card comes with United Club access, Avis President’s Club, Premier access and primary rental car coverage.
Welcome Offer
Earn 125,000 United MileagePlus Miles, after spending $5,000 on qualifying purchases in the first three months of opening an account
Annual Fee
$695
Points Earned
United Miles
- Club Business Cardmembers earn up to Premier 1K® status (28,000 PQP) at a rate of 1 PQP for every $15 spent. Previously they earned up to 15,000 PQP.
- The United Club℠ Business Card provides United Club℠ membership – at least a $750 value per year – plus one adult guest and kids under 18, as well as: Earn Premium United Club membership after spending $50,000 in a calendar year or with Gold Status. Premium United Club members receive access for two adult guests (instead of one), four United Club one-time passes annually when you have an authorized user on your account and Star Alliance Lounge access.
- 5x miles on stays purchased through Renowned Hotels and Resorts for United® Cardmembers
- United Club℠ membership included- At least a $750 value per year.
- Unlock United ClubSM All Access Membership as a cardmember after reaching Premier Gold status or by spending $50,000 each calendar year with your United ClubSM Business Card.
- Starting with your first anniversary and every anniversary thereafter, earn 4 United Club℠ one-time passes when you have United Club All Access Membership and an employee card.
- Earn 2 global Economy Plus® seat upgrades each year
- 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
- Earn up to 28,000 Premier® qualifying points (PQP) per year
- Complimentary Instacart+ Membership. Terms apply.
- Up to $240 in Instacart credits annually. Terms apply.
- Member FDIC
We have seen 100k after $10k in 3 months
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
This is the business version of the Club Infinite card that comes with complimentary United Club access for just $450 a year vs $650 if you bought United Club access without the card. It also comes with Avis President’s Club status ( top tier ), Premier Access on United which includes expedited check-in, early boarding, more award space, and you even get primary rental car coverage.
This is hands down the best United card when it comes to perks.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
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