Best United MileagePlus Credit Cards - October 2026

Optimize Your United Flying with The New United℠ Business Card

• Up to 100,000 bonus miles + 2,000 Premier Qualifying Points: 90,000 miles and 2,000 PQP after $5,000 in eligible purchases in the first 3 months, plus 10,000 miles after adding the first employee authorized user in the first 3 months. The authorized-user bonus is awarded once. PQP count toward Premier status; they are not redeemable miles.
• 2X miles on eligible United purchases, dining (including eligible delivery), gas stations, office supplies and local transit. Eligible United flights earn 8X total miles: 2X from the card on the entire eligible United purchase, plus 6X from MileagePlus on the primary cardmember’s fare. Different rates apply to Basic Economy or base option tickets; Premier members earn more.
• 1X mile on all other purchases
• Free first checked bag for you and a companion on United flights
• Two United Club one-time passes each year
• Priority boarding for you and your traveling party
• $125 United travel credit in TravelBank cash after five United flight purchases of at least $100 each per calendar year
• Employee cards at no additional cost, with miles pooled into your account
• No foreign transaction fees
• $150 annual fee

Compare the $150 annual fee with benefits your business will actually use. The $125 credit is TravelBank cash after five United flight purchases of at least $100 each per calendar year. Bags and passes follow their terms; no automatic offset of the annual fee is guaranteed. Chase source checked October 26, 2026.

Terms apply. Bonus miles and PQP require qualifying spend. Travel credit applies after flight purchases. See full terms for details.

Elevate Your Business Travels with the United Club℠ Business Card

• Up to 100,000 bonus miles + 2,000 Premier qualifying points: 90,000 miles and 2,000 PQP after $5,000 in eligible purchases in the first 3 months. PQP count toward Premier status; they are not redeemable miles.
• 10,000 bonus miles after adding the first employee authorized user in the first 3 months. Awarded once; the authorized user must remain on the account at fulfillment.
• 8× total miles on eligible United flights: 6× from United on the primary cardmember’s fare, plus 2× from the card on the entire eligible United purchase. Basic Economy and base option tickets earn differently; Premier members may earn more.
• 5× miles on hotel stays at Renowned Hotels & Resorts when prepaid via United
• 2× miles on all other eligible United purchases
• 1.5× miles on every other purchase
• Free first and second checked bags for the primary cardmember and one companion on the same eligible United reservation (save up to $440 roundtrip). Ticket payment and MileagePlus-number requirements apply.
• Complimentary United Club℠ membership for the primary cardmember with one adult guest and dependent children under 18. Star Alliance lounges require United Club All Access membership, available under separate spending or Premier-status conditions.
• No foreign transaction fees

Compare the $695 annual fee with usable benefits. United Club card membership and All Access membership are distinct; Star Alliance lounge access and guest rules depend on the eligible membership. Credits, bags and rewards do not automatically make the card worthwhile. Check Chase and United terms before applying or visiting.

Terms apply. The maximum welcome offer combines separate spending and employee-card actions; PQP are not redeemable miles. The annual fee is $695. Source checked October 26, 2026: Chase’s United Club Business offer and benefit terms. Check current issuer rates before applying.

United Club Card: fees, miles and lounge access

• Up to 100,000 bonus miles: 90,000 after $5,000 in eligible purchases in the first 3 months, plus 10,000 after adding the first authorized user in those 3 months, awarded once.
• 5X miles per $1 on United purchases
• 2X miles per $1 on dining and all other travel
• 1X mile per $1 on all other purchases
• Complimentary United Club℠ membership for the primary cardmember, one adult guest and dependent children under 18 under current entry rules. Authorized users do not receive their own membership. Star Alliance lounges require All Access, available through separate conditions such as Premier Gold or $50,000 in calendar-year purchases.
• Free first and second checked bags for you and a companion on United flights
• Premier Access℠ airport services, including priority boarding
• Up to $120 Global Entry or TSA PreCheck^® credit every four years
• 25% back on in‑flight purchases
• Up to two 10,000‑mile award flight discounts after each $20,000 in purchases, up to twice per calendar year, for eligible United/United Express award travel.
• No foreign transaction fees
• $695 annual fee

Compare the $695 annual fee with the lounges, baggage benefits and credits you will actually use. Credits and discounts have separate conditions; they do not automatically offset the fee. Checked with Chase on October 26, 2026.

Terms apply. Bonus miles, credits and benefits require qualifying purchases. Annual fee applies. See issuer for complete details.

Experience Ultimate United Rewards with the United Quest℠ Card

• Earn up to 90,000 bonus miles + 500 Premier qualifying points (PQP): 80,000 miles after $4,000 in eligible purchases in the first 3 months, plus 10,000 miles after adding the first authorized user in the first 3 months (awarded once). The separate 500 PQP require the first eligible purchase within 12 months and are not redeemable miles.
• 4X miles on United purchases
• 2X miles on other travel, dining & select streaming services
• 1X mile on all other spending
• $200 annual United flight credit
• 10,000-mile award flight discount on each anniversary for eligible United/United Express award travel, plus a separate discount after $20,000 in purchases per calendar year.
• Up to $120 Global Entry/TSA PreCheck^® credit every four years
• Free first & second checked bags for you and a companion
• Primary rental car coverage
• $350 annual fee; no foreign transaction fees

Compare the $350 annual fee with usable benefits. The $200 credit is TravelBank cash, issued after opening and on each anniversary, expiring twelve months after issue. Eligible purchases separately earn 1 PQP per $20, capped at 18,000 per calendar year. Credits do not automatically make the card worthwhile. Chase source checked October 26, 2026.

Terms apply. PQP earnings cap applies; credits and perks subject to terms. See Chase for details.

United Gateway: fees, miles and conditional benefits

• No annual fee and no foreign transaction fees
• Up to 50,000 bonus miles: 40,000 miles after $1,000 in eligible purchases in the first 3 months, plus 10,000 miles after adding the first authorized user in the first 3 months. The authorized-user bonus is awarded once.
• 2× miles on eligible United purchases, gas stations, local transit and commuting; 1× mile on all other spend
• 0% intro APR on purchases for 12 months from account opening; then a variable purchase APR of 19.99%–28.49%, based on creditworthiness and market conditions.
• Two first-standard-checked-bag certificates after $10,000 in eligible purchases per calendar year, at most two certificates per year. Allow 6–8 weeks for deposit; each expires 12 months after issue. The primary holder must pay for the ticket with the card, include their MileagePlus number and apply the certificate at checkout. United/United Express-operated flights only; partner-operated codeshares and oversized/overweight fees are excluded.
• 25% back as statement credits on eligible food, beverages and Wi-Fi on United/United Express flights, eligible Wi-Fi subscriptions and United Club premium drinks, when paid with the card; this does not grant lounge admission.
• Built‑in travel protections including trip cancellation/interruption, rental car coverage & purchase protection

The card has no annual fee, but interest and other fees can apply. The card itself earns 2x on eligible United purchases; advertised flight totals also include separate MileagePlus flight earnings. After $10,000 in eligible purchases in a calendar year, eligible primary holders can unlock award pricing at least 10% below the base non-cardmember price (at least 15% with Premier status) on United/United Express awards booked through their MileagePlus account; Money + Miles and cash tickets are excluded. Activation can take up to four weeks after qualifying and lasts through the end of the following calendar year. Do not spend extra solely to unlock a benefit.

Public Chase product terms, pricing table and benefits guide BGC11385_v2 checked October 26, 2026. The welcome bonus is unavailable to current holders of this card or former holders who received its new-cardmember bonus within 24 months. Offer channels can differ; check the terms reached from your application link. Visa Signature services depend on the card variant issued; goods and services ordered through the concierge remain payable.