Loyalty Program: United MileagePlus

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UnitedSM-Explorer-Card
The New United℠ Explorer Card
70,000 Miles
  • Earn 2x miles on United purchases
  • Free Checked Bag
  • Two United Club Passes Annually
Apply Now
Terms Apply See rates & fees
Learn More
  • Limited-Time Offer: Earn 60,000 bonus 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 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
Annual Fee
  • Primary card $95
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • Dining and Food delivery2Miles
  • All Spending1Mile
  • Groceries1Mile
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
UnitedSM-Business-Card
The New United℠ Business Card
100,000 Miles
  • Earn 2x miles on United purchases
  • Anniversary Bonus Miles
  • Annual Travel Credit
Apply Now
Terms Apply See rates & fees
Learn More
  • 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
Annual Fee
  • Primary card $99
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • Gas2Miles
  • Local Transport2Miles
  • Office Supplies2Miles
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
United-QuestSM-Card
The New United Quest℠ Card
100,000 Miles
  • 3x miles on United
  • 2x miles on Dining
  • Free first and second checked bags
Apply Now
Terms Apply See rates & fees
Learn More
  • Best Offer Ever: Earn 100,000 bonus miles and 3,000 PQP.
  • 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
Annual Fee
  • Primary card $250
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • Dining and Food delivery2Miles
  • Travel2Miles
  • Streaming services2Miles
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
United-GatewaySM-Credit-Card
The New United Gateway℠ Credit Card
20,000 Miles
  • Earn 2x miles on United purchases
  • No Foreign Transaction Fees
  • Earn 2x MileagePlus miles on gas station purchases
Apply Now
Terms Apply See rates & fees
Learn More
  • Earn 20,000 bonus miles.
  • 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 after you spend $10,000 in a calendar year.
  • Member FDIC
Annual Fee
  • Primary card $0
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • Gas2Miles
  • Local Transport2Miles
  • All Spending1Mile
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
United-ClubSM-Infinite-Card
The New United Club℠ Card
80,000 Miles
  • Earn 4x miles on United purchases
  • United Club℠ Access
  • Earn PQPs Towards Status
Apply Now
Terms Apply See rates & fees
Learn More
  • 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
Annual Fee
  • Primary card $525
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates 20.49 %
Earning Rate
  • Dining and Food delivery2Miles
  • Travel2Miles
  • All Spending1Mile
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
United-ClubSM-Business-Card
The New United Club℠ Business Card
75,000 Miles
  • Earn 2x miles on United purchases
  • United Club℠ Access
  • Earn PQPs Towards Status
Apply Now
Terms Apply See rates & fees
Learn More
Annual Fee
  • Primary card $450
  • Additional card
Annual Income Required
  • Individual
  • Household
Conversion fees
  • 0.00 %
Interest Rates
  • Purchase Rates 20.49 %
  • Cash Advance Rates 29.24 %
  • Balance Transfer Rates —
Earning Rate
  • All Spending1.5Miles
  • Groceries1.5Miles
  • Gas1.5Miles
Value
  • Year 1
  • Year 2+
Best For
Transfer Partners
  • United MileagePlus

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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