The New United Club℠ Card
Annual fee
$695
Our valuation
$1,000

Milesopedia first-year estimateFirst-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
80,000 miles
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Fees and terms
Annual Fee
$695/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 80,000 bonus miles.
  • 4x miles on United® purchases.
  • 2x miles on dining and all other travel.
  • 1x mile on all other purchases.
  • United ClubSM card membership (at least a $750 value).
  • Free first and second checked bags (terms apply) and Premier Access® travel services.
  • 10,000-mile award flight discount after $20,000 in purchases (up to 2x per calendar year).
  • Member FDIC
Read full review
Rewards
Rate
United flights
5x
Restaurants
2x
Transit
2x
Travel
2x
Benefits
Airport lounges
Included
NEXUS
$120
Concierge
Included
Travel insurance
Coverage
Trip Cancellation
$10,000
Trip Interruption
$10,000
Delayed Baggage
$300
Lost Baggage
$3,000
Flight Delay
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$10,000 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$60,000 · 31 days
Read full review

Pros

  • Welcome bonus of 80,000 miles
  • 2x at restaurants

Cons

  • High annual fee ($695)

Elevate Every Journey with The United Club℠ Infinite Card

  • 80,000 bonus miles after $5,000 in purchases within 3 months
  • 4X 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 you and eligible guests
  • 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 each year
  • No foreign transaction fees
  • $695 annual fee

Ideal for frequent United flyers, this premium card transforms travel into a seamless experience. Earn accelerated miles on every United purchase and enhance your airport journey with lounge access, priority services and complimentary bags. Annual credits and award discounts help offset the fee, while robust travel protections and intuitive online tools keep you covered and in control. Make every trip more rewarding and comfortable.

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

Read full review
The New United℠ Explorer Card
Annual fee
$150
Our valuation
$750

Milesopedia first-year estimateFirst-year valueWelcome bonus$750Total$750Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
60,000 miles
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Fees and terms
Annual Fee
$150/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Limited-Time Offer: Earn 60,000 bonus miles after spending $3,000 within the first 3 months
  • $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 Club 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 United Explorer Card within a calendar year
  • Over $400 in partner credits each year
  • Member FDIC
Read full review
Rewards
Rate
United flights
3x
Restaurants
2x
Benefits
Airport lounges
2 visits/yr
NEXUS
$120
Concierge
Included
Travel insurance
Coverage
Trip Cancellation
$1,500
Trip Interruption
$1,500
Delayed Baggage
$300
Lost Baggage
$3,000
Flight Delay
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$10,000 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$60,000 · 31 days
Read full review

Pros

  • Welcome bonus of 60,000 miles
  • 2x at restaurants

Cons

  • Fewer premium perks

Unlock Premier United Perks with The New United℠ Explorer Card

  • 60,000 bonus miles after spending $3,000 within the first 3 months
  • 2X miles per $1 on United purchases, including airfare, baggage fees and seat upgrades
  • 2X miles on dining and hotel stays; 1X mile on all other purchases
  • $0 intro annual fee for your first year, then $150 thereafter
  • First checked bag free for you and one companion on United flights
  • Two United Club one‑time passes each year for lounge access
  • Global Entry/TSA PreCheck credit every four years

Whether you fly United frequently or just a few times a year, this card’s robust rewards and travel protections make every trip smoother. Enjoy trip cancellation/interruption insurance, 25% back on in‑flight purchases and a complimentary year of DashPass for DoorDash & Caviar. Manage your account seamlessly in the Chase app and watch your miles add up on every flight, meal and hotel stay.

Terms apply. Bonus miles and benefits require qualifying purchases and enrollment where applicable. See issuer for full details.

Read full review
The New United Gateway℠ Credit Card
Annual fee
$0
Our valuation
$375

Milesopedia first-year estimateFirst-year valueWelcome bonus$375Total$375Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.

Welcome offer
30,000 miles
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Fees and terms
Annual Fee
$0
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 30,000 bonus miles after spending $1,000 on qualifying purchases within the first three months of account opening.
  • 0% Intro APR for the first 12 months from account opening on purchases.
  • No annual fee.
  • 2x miles on United® purchases.
  • 2x miles at gas stations and on local transit & commuting.
  • 1x mile on all other purchases.
  • 25% back as a statement credit on eligible onboard food, beverages & Wi-Fi and on Club premium drinks.
  • Earn 2 checked bags certificates after you spend $10,000 in a calendar year.
  • Member FDIC
Read full review
Rewards
Rate
Gas & EV
2x
Transit
2x
United flights
2x
Benefits
Concierge
Included
Travel insurance
Coverage
Trip Cancellation
$1,500
Trip Interruption
$1,500
Purchase protection
Coverage
Purchase Protection
$500 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (secondary, primary abroad)
$60,000 · 31 days
Read full review

Pros

  • No annual fee
  • Welcome bonus of 30,000 miles

Cons

  • Fewer premium perks

Take Off with the New United Gateway℠ Card

  • No annual fee and no foreign transaction fees
  • 30,000 bonus miles after $1,000 in purchases within 3 months
  • 2× miles on United purchases, United Hotels purchases, gas stations, local transit & commuting; 1× mile on all other spend
  • 0% intro APR on purchases for 12 months
  • 2 free checked bag credits per year after $10,000 in annual spend
  • 25% back on United in‑flight food, beverages, Wi‑Fi & Club premium drinks
  • Built‑in travel protections including trip cancellation/interruption, rental car coverage & purchase protection

Perfect for flyers who want a no‑cost way to earn United MileagePlus® rewards, this card lets you test an airline card while unlocking free checked bags and in‑flight credits. Manage your miles and perks effortlessly in the Chase Mobile® app, tap to pay with contactless security, and watch your rewards add up on every flight, fill‑up or commute.

Terms apply. Bonus miles, checked bag credits and in‑flight statement credits require qualifying purchases. See full terms at chase.com.

Read full review
The New United℠ Business Card
Annual fee
$150
Welcome offer
No current welcome offer
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Fees and terms
Annual Fee
$150/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
  • $150 Annual Fee.
  • 2x miles on United® purchases, dining (including eligible delivery), gas stations, office supply stores, and local transit & commuting.
  • 1x mile on all other purchases.
  • Employee cards at no additional cost—miles accrue to your account.
  • 5,000-mile “better together” bonus each anniversary when you also hold a personal Chase United® credit card.
  • Free first checked bag (terms apply), 2 United ClubSM one-time passes per year, and priority boarding.
  • $125 United travel credit after 5 United® flight purchases of $100+ each calendar year.
  • Member FDIC
Read full review
Rewards
Rate
Gas & EV
2x
Restaurants
2x
Transit
2x
Office
2x
United flights
2x
Benefits
Airport lounges
2 visits/yr
Annual credit
$125/yr
Concierge
Included
Travel insurance
Coverage
Trip Cancellation
$1,500
Trip Interruption
$1,500
Delayed Baggage
$300
Lost Baggage
$3,000
Flight Delay
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$10,000 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad)
$60,000 · 31 days
Read full review

Pros

  • 2x at restaurants

Cons

  • No welcome bonus

Optimize Your United Flying with The New United℠ Business Card

  • 100,000 bonus miles + 2,000 Premier Qualifying Points after $5,000 in purchases within 3 months
  • 2X miles on United flights, dining (incl. delivery), gas stations, office supplies and local transit
  • 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 after five $100 United flight purchases per calendar year
  • Employee cards at no additional cost, with miles pooled into your account
  • No foreign transaction fees
  • $150 annual fee

Perfect for small‑business owners who fly United often, this card combines generous bonus miles, valuable travel perks and seamless account management via the Chase app. Elevate every trip with complimentary credits, lounge access and priority services tailored to your needs.

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

Read full review
The New United Quest℠ Card
Annual fee
$350
Welcome offer
No current welcome offer
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Fees and terms
Annual Fee
$350/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %

Issuer terms

  • Earn 70,000 bonus miles + 1,000 Premier qualifying points (PQP) after $4,000 in purchases within 3 months
  • 3x miles on United® purchases.
  • 2x miles on dining, select streaming services, and all other travel.
  • 1x mile on all other purchases.
  • $200 United® travel credit + 10,000-mile award flight discount each account anniversary.
  • 10,000-mile award discount after $20,000 annual spend.
  • 2 global Economy Plus® seat upgrades after $40,000 annual spend.
  • 1,000 Card Bonus PQP each year (awarded within 6-8 weeks after Feb 1 starting 2026).
  • Member FDIC
Read full review
Rewards
Rate
United flights
4x
Restaurants
2x
Transit
2x
Streaming
2x
Travel
2x
Benefits
NEXUS
$120
Annual credit
$200/yr
Concierge
Included
Travel insurance
Coverage
Trip Cancellation
$1,500
Trip Interruption
$1,500
Delayed Baggage
$300
Lost Baggage
$3,000
Flight Delay
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$10,000 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (primary)
$60,000 · 31 days
Read full review

Pros

  • 2x at restaurants

Cons

  • High annual fee ($350)
  • No welcome bonus

Experience Ultimate United Rewards with the United Quest℠ Card

  • Earn 70,000 bonus miles + 1,000 Premier qualifying points (PQP) after $4,000 in purchases within 3 months
  • 3X 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 each year (plus another 10K after $20K spend)
  • 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

Designed for frequent United flyers, the United Quest℠ Card unlocks premium perks that more than offset its fee. Earn elevated miles on United flights and everyday essentials, enjoy automatic credits to trim costs, and accelerate toward elite status with PQPs. All managed seamlessly in the United mobile app.

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

Read full review
The New United Club℠ Business Card
Annual fee
$695
Welcome offer
No current welcome offer
Apply Now

on Chase's website

Features
Issuer
Chase
Network
Fees and terms
Annual Fee
$695/yr
Min. annual income
Interest rates
Foreign transaction fee
0 %
Read full review
Rewards
Rate
United flights
2x
Benefits
Airport lounges
Included
Concierge
Included
Travel insurance
Coverage
Trip Cancellation
$10,000
Trip Interruption
$10,000
Delayed Baggage
$300
Lost Baggage
$3,000
Flight Delay
$500
Travel Accident
$500,000
Purchase protection
Coverage
Purchase Protection
$10,000 · 120 days
Extended Warranty
+1 year
Auto Rental Collision (secondary, primary for business rentals, primary abroad)
$60,000 · 31 days
Read full review

Pros

  • Simple and straightforward

Cons

  • High annual fee ($695)
  • No welcome bonus

Elevate Your Business Travels with the United Club℠ Business Card

  • 100,000 bonus miles + 2,000 Premier qualifying points after you spend $5,000 in the first 3 months
  • 5,000 bonus miles when you add an employee card within 3 months
  • 7× total miles on United flights (5× on base fare + 2× on the rest of the ticket)
  • 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 on United flights (save up to $360 roundtrip)
  • Complimentary United Club℠ membership for you + up to two adult guests (or one adult + children under 21)
  • No foreign transaction fees

Perfect for busy executives and entrepreneurs who fly United regularly, this card combines powerful earnings with premium lounge access and travel perks that more than justify the annual fee. Streamline your trips with free checked bags, unlock airport comfort in United and Star Alliance lounges, and accelerate your way to elite status—all while earning miles on every dollar you spend.

Terms apply. Offer and PQP bonus available after $5,000 spend in 3 months; employee card bonus requires addition within 3 months. Annual fee $695. Variable APR 20.49%–28.99%. See issuer terms for full details.

Read full review

Complete Guide

Best United MileagePlus Credit Cards

Compare United Club Infinite, Explorer, Quest, and Gateway cards.

6

Cards analyzed

Sep 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

📊Real data
🔄Updated regularly
⚖️Unbiased review
🎯Transparent criteria

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