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Compare United Airlines credit cards

Get your first checked bag free or board your plane sooner with the right credit card.

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Fact checked
If United is your preferred airline, getting one of their cobranded credit cards could be worthwhile. You could easily earn a flight ticket or an upgrade just by using your card every time you make a purchase. Frequent flyers might want to consider a card with an annual fee as those cards tend to come with additional perks, such as United Club lounge passes or a TSA PreCheck or Global Entry fee credit.

Our pick for a United credit card

United℠ Explorer Card

  • $0 first-year intro annual fee, then $95.
  • Signup bonus: 40,000 miles after you make $2,000 in purchases within the first 3 months of account opening.
  • 2x miles on United purchases, hotel stays and restaurant purchases.
  • Credit every four years for your Global Entry or TSA PreCheck application fee.
  • 25% back as statement credit on United inflight purchases. Plus, priority boarding and your first checked bag free on United-operated flights.
  • 2 United Club one-time passes each card anniversary.
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Compare United Airlines credit cards

Want a side-by-side comparison of United Chase cards? Select your credit range and click Show cards to start your search.

Name Product Filter values Rewards Purchase APR Annual fee
United℠ Explorer Card
2x miles at restaurants, hotels and United and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
United Club℠ Infinite Card
4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($525 thereafter)
Get United Club membership with access for you and two guests at any United Club or Star Alliance lounge -- a value of up to $650 annually.
United℠ Business Card
2x miles on United, transit and rideshares, and at gas stations, office supply stores and restaurants, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles once after spending $3,000 in your first 3 months.
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Quick look at United Airlines cards

Foreign transaction feeFirst checked bag freeSecond checked bag freePriority boardingTSA PreCheck or Global Entry fee creditEarn companion certificateUnited Club passes
United℠ TravelBank Card0%
x
x
x
x
x
x
United℠ Explorer Card0%
checkmark
x
Group 2
checkmark
x
2 one-time passes
United MileagePlus® Club card0%
checkmark
checkmark
Group 2
x
x
United Club membership
United Club℠ Infinite Card0%
checkmark
checkmark
Group 2
checkmark
x
United Club membership
United℠ Explorer Business Card0%
checkmark
x
Group 2
x
x
2 one-time passes

Which United Airlines credit card should I pick?

Best Chase United card for no annual fee: United℠ TravelBank Card

United℠ TravelBank Card
Who should get this card?

Consider this card if you occasionally fly United Airlines and want to earn rewards toward your next flight without paying an annual fee. You also get to earn a decent signup bonus and can save 25% on in-flight food, beverages and Wi-Fi.

Best Chase United card for the occasional traveler: United℠ Explorer Card

United℠ Explorer Card
See offer
Who should get this card?

Frequent United Airlines flyers that want to get a good value for their card but aren’t necessarily power-travelers should consider the United℠ Explorer Card. You get a host of United Airlines perks, including accelerated miles on select categories, a generous signup bonus, first checked bag free, TSA PreCheck or Global Entry application fee credit and two United Club passes each year after your card anniversary.

Best Chase United card for travel perks: United Club℠ Infinite Card

United Club℠ Infinite Card
See offer
Who should get this card?

Consider this card if you want to get the ultimate perks and benefits available from the five United credit cards. Aside from the highest mile earning potential and a generous signup bonus, you get complimentary United Club membership, first and second checked bags free and complimentary upgrades.

How we selected our top cards

When choosing our United Airlines credit card picks, we looked at a few features, including rewards rate, signup bonuses, free checked bagsand any other United travel perks that a consumer might want from a cobranded card. Those cards that outperformed the others in a given category were chosen for our list.

What’s changed in 2020

With just a few United Airlines cards to choose from, the cards on our list have kept their positions for 2020 thanks to their varied utility and the niche each card covers.

Typical features of a United Airlines credit card

You get valuable card-specific perks depending on whether you pay an annual fee. But some features are shared by all United Airlines credit cards, including:

  • United miles.
    All United credit cards let you earn miles that you can redeem for flights, seat upgrades, gift cards and more. The only exception is the United℠ TravelBank Card, which lets you earn TravelBank cash instead of miles. You can only redeem this for flights.
  • Signup bonus.
    Whichever card you choose, you’ll earn a signup bonus. The higher the card’s annual fee, the higher the bonus reward.
  • In-flight discounts.
    All personal United Airlines cards come with a 25% discount on in-flight purchases of food, beverages and Wi-Fi.
  • No foreign transaction fees.
    When you travel abroad, use your United Airlines credit cards freely and you won’t pay any foreign transaction fees.
  • First checked bag free.
    If we exclude the United℠ TravelBank Card, all other United Airlines credit cards let you save money on your first checked bag.
  • Priority boarding.
    Again, the United℠ TravelBank Card is the exception here, but with all other United Airlines credit cards, you get Group 2 priority boarding.

How to compare United Airlines Chase cards

With several strong card choices to choose from, making your final choice can be tricky. Here are a few items to consider:

  • How often do you travel? If you travel often, you’ll want a card that can offer the most value on your flights and hotel stays, such as the United MileagePlus® Club card.
  • Do you want free checked bags? Just one card offers this perk, the United MileagePlus® Club card.
  • Do you want to pay an annual fee? Only the United℠ TravelBank Card lacks an annual fee. The mid-range United℠ Explorer Card however waives your annual fee for the first year, after which you’ll pay $95.

Bottom line

United Airlines frequent flyers will enjoy the perks and benefits of any of these cards. Whichever card you go with, you can earn miles and a signup bonus. And if you’re willing to pay an annual fee, expect additional perks such as priority boarding, free checked bags and United Club passes.

But if you think there could be a better card for you, compare other airline credit cards until you find the right card for your needs.

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