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United Airlines offers six credit cards in partnership with Chase. These United cards offer a host of benefits, from increased rewards for United purchases, to free bags, to access to United’s 45 United Club locations. In this post, we’ve collected all of the information you need to compare these cards to find the one that is right for you.
Article overview
Here’s what’s in this post. Click on a section to jump directly there.
- Point earnings – Complete comparison of rewards across all United credit cards
- United Airlines benefits – All benefits that improve your experience flying on United Airlines, from free checked bags, to lounge access.
- Non-United travel benefits – Travel benefits like trip delay protection, trip cancellation insurance and other benefits that apply whether traveling on United, on another airline, or by bus, boat, or train.
- Consumer and other benefits – Comparisons of non-travel benefits like extended warranty, purchase protection, and roadside assistance.
- United credit card welcome bonuses – Earn a welcome bonus for getting a new United credit card.
Recent updates to United cards
In 2024, United and Chase made it easier to earn Premier Qualifying Points on their credit cards. Previously on cards that earned Premier Qualifying Points, you earned 500 PQP for every $12,000 you spent. Now you earn 25 PQP for every $500 spent. This is unambiguously a positive change to these cards. You can now earn PQP in smaller increments and you earn more PQP per dollar after the changes. ($12,000 of total spending now earns 600 total PQP under the new earning scheme.)
United credit card rewards
All of United’s co-branded credit cards earn MileagePlus miles. Each card offers bonus purchases on select categories like United purchases, travel, and dining. Generally, the cards with higher annual fees offer more earnings, but not always. For example, the United Quest℠ Card offers 2x miles on select streaming services, but the higher-priced United Club℠ Infinite Card doesn’t offer a bonus in this category.
Notable standouts include the United Club℠ Infinite Card, which earns four points per dollar on United purchases and the United Quest℠ Card, which earns points in the widest number of categories. See below the table for more on what exactly counts in each category.
| United Gateway℠ Card | United℠ Explorer Card | United Quest℠ Card | United Club℠ Infinite Card | United℠ Business Card | United Club℠ Business Card | |
|---|---|---|---|---|---|---|
 |  |  |  |  |  | |
| Annual fee | $0 | $0 intro annual fee for the first year, then $95. | $250 | $525 | $0 intro annual fee for the first year, then $99. | $450 |
| United purchases | 2x | 2x | 3x | 4x | 2x | 2x |
| Dining | – | 2x | 2x | 2x | 2x | – |
| Hotel stays | – | 2x | (See “all other travel”) | (See “all other travel”) | – | – |
| All other travel | – | – | 2x | 2x | – | – |
| Gas stations | 2x | – | – | – | 2x | – |
| Local transit and commuting | 2x | – | (See “all other travel”) | (See “all other travel”) | 2x | – |
| Select streaming services | – | – | 2x | – | – | – |
| Office supply stores | – | – | – | – | 2x | – |
| All other purchases | 1x | 1x | 1x | 1x | 1x | 1.5x |
Additional details on United credit card bonus categories
Here’s some additional detail on what kinds of purchases count in each category.
- United purchases includes purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United purchases. It also includes United Card Events from Chase purchases. If your card earns an annual United purchase credit, you’ll start to earn United MileagePlus miles after you earn your annual credit.
- Dining includes eligible delivery services.
- Hotel stays includes hotel accommodations purchased directly with and charged by the hotel.
- All other travel includes airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare services and tolls.
- Local transit and commuting includes ride share services, taxicabs, train tickets, tolls, and mass transit.
United credit card benefits when flying on United Airlines
One of the reasons you might pick up an airline co-branded credit card is for the perks when flying on United.
All of the United credit cards with an annual fee offer a free checked baggage benefit, plus an opportunity to earn Premier Qualifying Points (PQPs) toward Premier status with the airline. The United Club℠ Infinite Card and United Club℠ Business Card both offer a United Club℠ membership, which can get you into the United Club℠ and select partner clubs when traveling on United.
Here are the details of the benefits each card offers when flying on United Airlines.
| United Gateway℠ Card | United℠ Explorer Card | United Quest℠ Card | United Club℠ Infinite Card | United℠ Business Card | United Club℠ Business Card | |
|---|---|---|---|---|---|---|
| | | | | | |
| Annual fee | $0 | $0 intro annual fee for the first year, then $95. | $250 | $525 | $0 intro annual fee for the first year, then $99. | $450 |
| Earnings on United purchases | 2x | 2x | 3x | 4x | 2x | 2x |
| United ClubSM access | – | 2 one-time passes per year | – | United Club membership | 2 one-time passes per year | United Club membership |
| United credits, bonus miles, and award discounts | – | – | Up to $125 annual United purchase credit 5,000 mile award flight credits, 2 times per year | 10% United saver award discount. | $100 United travel credit after 7 United flight purchases. 5,000 miles when you also hold a personal United card. | – |
| Free checked bags | – | First checked bag | First and second checked bags | First and second checked bags | First checked bag | First and second checked bags |
| Priority boarding and Premier Access | – | Priority boarding | Priority boarding | Premier Access | Priority boarding | Premier Access |
| Premier upgrades on award tickets | – | |||||
| 25% back on United inflight and club premium drink purchases | ||||||
| Earn Premier qualifying points (PQP) | – | Up to 1,000 PQP/year | Up to 6,000 PQP/year | Up to 10,000 PQP/year | Up to 1,000 PQP/year | Up to 1,000 PQP/year |
Details of credit card benefits when flying on United Airlines
Here are the details on the United travel benefits. Not every benefit is included with each card. Refer to the table above to see which benefits are included with each card.
- United Club℠ one-time passes – If your card includes United Club℠ one-time passes, you’ll receive your passes after account opening and on each account anniversary. A one-time pass will allow one person entry into a United Club℠ when traveling on a same-day United Airlines-operated flight.
- United Club℠ membership – If your card includes United Club℠ membership, you’ll receive a complimentary membership to the United Club℠. Your membership includes access to 45+ United Club locations and participating Star Alliance™ affiliated lounges worldwide when you are traveling on a same day United- or United Express-operated flight. Membership includes access for the primary cardmember, and either two guests or one guest and children under 21.
- Annual United credit (Up to $125 annual United purchase credit) – With the United Quest℠ Card, you will automatically receive up to $125 in statement credits as reimbursement for United purchases charged to your eligible each account anniversary year.
- Annual United credit ($100 United travel credit) – Once you purchase seven United flights of $100 or more on your United℠ Business Card account within each account anniversary year, you’ll get a $100 United travel credit.
- Award flights credits – Starting with your first anniversary with the United Quest℠ Card, you’ll automatically get 5,000 miles back in your MileagePlus® account after you take a United® or United Express-operated award flight booked with your miles – up to 2 times every anniversary year.
- Better-together anniversary bonus – When you hold both a personal United card and the United℠ Business Card, you will earn a 5,000 mile “better together” anniversary bonus on your United℠ Business Card anniversary. This bonus is a benefit of the United℠ Business Card and you’ll only earn one bonus, awarded to that card.
- United Saver Award discount – As the primary cardmember of the United Club℠ Infinite Card, you are eligible to book award flights in United Economy on United or United Express with 10% fewer miles.
- Free checked bags – If your card includes a free checked bag benefit, you and one companion receive one or two free checked bags when you book your United-operated flight directly with United. You must use your eligible card to purchase your flight and include your United MileagePlus® frequent flyer number in your reservation. The requirement to purchase your United flight with your card is waived for flights during the first 90 days from account opening. How many free checked bags you receive depends on which card you have. Refer to the chart above for details.
- Priority boarding and Premier Access – Many of United’s credit cards offer priority boarding, which allows you and your companions on the same reservation boarding on all United-operated flights prior to general boarding. If your card offers Premier Access, you will receive preferential treatment to ease your way through the airport with priority check-in, security screening, boarding, and baggage handling privileges. Refer to the chart above to see which benefit each card carries.
- Premier upgrades on award tickets – When you have United Premier frequent flyer status and hold an eligible card, you become eligible to receive complimentary upgrades on award tickets.
- 25% back on United inflight and club premium drink purchases – When you purchase food, beverages, and Wi-Fi onboard United-operated flights, or premium drinks within the United Club and pay with your eligible card, you’ll get 25% back as a statement credit.
- Earn Premier Qualifying Points – Premier Qualifying points are one of the requirements to earn Premier status with United Airlines. If your card allows you to earn Premier Qualifying Points (PQPs,) you can earn 25 PQPs for every for every $500 you spend on the card, up to the limit specified in your card agreement. See the chart above for annual PQP earning limits.
United credit card other travel benefits
Some of the travel benefits provided by United Airlines credit cards are useful whenever you’re traveling, be it on United, another air carrier, or even by ship, train, or bus. Here are the general travel benefits of United credit cards.
| United Gateway℠ Card | United℠ Explorer Card | United Quest℠ Card | United Club℠ Infinite Card | United℠ Business Card | United Club℠ Business Card | |
|---|---|---|---|---|---|---|
| | | | | | |
| Annual fee: $0 | Annual fee: $0 intro annual fee for the first year, then $95. | Annual fee: $250 | Annual fee: $525 | $0 intro annual fee for the first year, then $99. | Annual fee: $450 | |
| $100 Global Entry, TSA PreCheck, or NEXUS fee credit | – | – | – | |||
| Auto rental collision damage waiver | Secondary | Primary | Primary | Primary | Primary when renting for business | Primary when renting for business |
| Trip cancellation/ interruption insurance | $1,500/person $6,000/trip Covers pre-paid passenger fares. | $1,500/person $6,000/trip Covers pre-paid passenger fares. | $1,500/person $6,000/trip Covers pre-paid passenger fares. | $10,000/person $20,000/trip Covers pre-paid passenger fares, tours, and hotels. | $1,500/person $6,000/trip Covers pre-paid passenger fares. | $10,000/person $20,000/trip Covers pre-paid passenger fares, tours, and hotels. |
| Baggage delay insurance | – | |||||
| Lost luggage reimbursement | – | |||||
| Trip delay reimbursement | – | |||||
| Travel accident insurance | – | – | – | – | – | |
| Avis benefits | – | – | – | Avis President’s Club® | – | Avis President’s Club® |
| No foreign transaction fees |
More on the non-United credit card travel benefits offered on MileagePlus credit cards
Here’s a bit more detail on the travel benefits provided by United credit cards.
- $100 Global Entry, TSA PreCheck, or NEXUS fee credit – Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
- Auto rental collision damage waiver – Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad. Coverage is primary outside the United States. Whether coverage inside the United States is primary or secondary depends on which card you have and, if you have a business card, whether you are renting for business purposes. Refer to the table above and your guide to benefits.
- Trip cancellation/ interruption insurance – With trip cancellation and interruption insurance, you can be reimbursed for certain pre-paid, nonrefundable travel expenses if your trip is cancelled or cut short by sickness, severe weather, and other covered situations. Coverage amounts, covered expenses, and covered situations vary. Refer to the table above or see your card’s guide to benefits.
- Baggage delay insurance – Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
- Trip Delay Reimbursement – If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
- Travel accident insurance – When you pay for your air, bus, train or cruise transportation with your United℠ Business Card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000.
- IHG benefits – With the United Club℠ Infinite Card, the primary Cardmember is eligible for Platinum Elite status in IHG One Rewards and $75 in statement credits as reimbursement for IHG Hotels and Resorts purchases charged to the card from January 1, 2023 through December 31, 2023.
- Avis benefits – Enroll in Avis President’s Club and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more.
- Lost luggage reimbursement – If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
- No foreign transaction fees – None of the United credit cards charge foreign transaction fees, meaning you won’t pay anything extra when you use your United credit card to make purchases abroad.
United credit card consumer insurance and other benefits
Finally, the United Airlines credit cards also offer consumer benefits that help you out closer to home. Benefits like purchase protection, extended warranty, and return protection, can protect the things you buy, while a complimentary DoorDash membership can add a bit of convenience to your life. Here are the details on the non-travel benefits of the United credit cards.
| United Gateway℠ Card | United℠ Explorer Card | United Quest℠ Card | United Club℠ Infinite Card | United℠ Business Card | United Club℠ Business Card | |
|---|---|---|---|---|---|---|
| | | | | | |
| Annual fee | $0 | $0 intro annual fee for the first year, then $95. | $250 | $525 | $0 intro annual fee for the first year, then $99. | $450 |
| Purchase protection | $500 per claim $50,000 per account | $10,000 per claim $50,000 per year | $10,000 per claim $50,000 per year | $10,000 per claim $50,000 per year | $10,000 per claim $50,000 per account | $10,000 per claim $50,000 per account |
| Extended warranty protection | ||||||
| Return protection | – | – | – | – | ||
| Price protection | – | – | – | – | – | |
| Roadside assistance | – | – | – | – | – | |
| DoorDash DashPass Membership |
Benefit descriptions for consumer and other benefits
- Purchase protection – Purchase protection covers your new purchases against damage or theft for 120 days from the date of purchase. Coverage limits apply. See the table above and your card’s guide to benefits for details.
- Extended warranty protection – Extended warranty protection provides additional coverage on the items you purchase, offering additional warranty coverage after your manufacturer’s warranty expires. Chase extended warranty protection provides an additional year of warranty protection on eligible warranties of three years or less. Exclusions apply. See your card’s guide to benefits for details.
- Return protection – You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year.
- Price protection – If a purchase you made in the U.S. with your United Club℠ Business Card is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item and $2,500 per year.
- Roadside assistance – If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.
- DoorDash DashPass Membership – Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. To take advantage of your free membership, you must activate your membership by 12/31/24.
Current United Airlines credit card welcome bonuses
United and Chase offer welcome bonuses for new cardmembers who get a new United credit card and meet spending requirements. Here are the details on the best welcome bonuses we know about on United Airlines credit cards.
| United Credit Card | Welcome Bonus | Card at a glance |
|---|---|---|
United Gateway℠ Card Annual fee: $0 | bonus_miles_full (Regular APR: reg_apr,reg_apr_type) Jump to this welcome bonus. | Rewards: 2x miles on United purchases, at gas stations and on local transit and commuting. 1x miles on other eligible purchases. Perks: 25% back on United inflight and Club premium drink purchases. |
United℠ Explorer Card Annual fee: $0 intro annual fee for the first year, then $95. | bonus_miles_full Jump to this welcome bonus. | Rewards: 2x miles on United purchases, dining, and hotel stays booked with the hotel. 1x miles on other eligible purchases. Perks: 2 United Club one-time passes per year. Free first checked bag. Trusted traveler credit. Earns Premier Qualifying Points. |
United Quest℠ Card Annual fee: $250 | bonus_miles_full Jump to this welcome bonus. | Rewards: 3x miles on United purchases. 2x miles on dining, select streaming services, and all other travel. 1x miles on other eligible purchases. Perks: Up to $125 in United purchase credits. Up to 10,000 in award flight credits. Free first and second bags. Trusted traveler credit. Earns Premier Qualifying Points. |
United Club℠ Infinite Card Annual fee: $525 | bonus_miles_full Jump to this welcome bonus. | Rewards: 4x miles on United purchases. 2x miles on dining and all other travel. 1x miles on other eligible purchases. Perks: Untied Club membership. Free first and second bags. Trusted traveler credit. Earns Premier Qualifying Points. |
United℠ Business Card Annual fee: $0 intro annual fee for the first year, then $99. | bonus_miles_full Jump to this welcome bonus. | Rewards: 2x miles on United purchases, dining, gas stations, office supply stores and local transit and commuting. 1x miles on other eligible purchases. 5,000 mile anniversary bonus when you also hold a United personal credit card Perks: First checked bag free, 2 United Club passes per year, can earn Premier Qualifying Points |
United Club℠ Business Card Annual fee: $450 | Earn 75,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open. Jump to this welcome bonus. | Rewards: 2x miles on United purchases. 1.5x miles on other eligible purchases. Perks: Untied Club membership. Free first and second bags. Earns Premier Qualifying Points. |
More details about the United Airlines credit card welcome bonuses
United Gateway℠ Card welcome bonus
card_name welcome bonus:
bonus_miles_full (Regular APR: reg_apr,reg_apr_type)
Click here to learn more and apply.
Our take on the welcome bonus: The current offer is the business-as-usual welcome bonus. It’s not terribly exciting, but we don’t often see larger offers on this card.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
United Gateway℠ Card at a glance:
Annual fee: $0.
Rewards: 2x miles on United purchases, at gas stations and on local transit and commuting. 1x miles on other eligible purchases.
Perks: 25% back on United inflight and Club premium drink purchases.
More about the United Gateway℠ Card
The United Gateway℠ Card is United’s entry level credit card that earns MileagePlus miles. You’ll earn miles when you spend with the card and get a small discount on in-flight purchases with the card. The United Gateway℠ Card has no annual fee.
The card earns 2 miles per dollar spent on a variety of United Airlines purchases, including tickets, Economy Plus, inflight food, beverages and wifi, baggage charges, and other United purchases. You’ll also earn 2 miles per dollar spent at gas stations and on local transit and commuting. Other purchases earn 1 mile per dollar.
The United Gateway℠ Card is light on benefit, but you will earn 25% back on United inflight and club premium drink purchases. The card also offers purchase protection and extended warranty benefits.
United℠ Explorer Card welcome bonus
The United℠ Explorer Card can be a good choice if you occasionally fly on United Airlines and want perks like free checked bags. A unique feature of this card is that it will get you access to the United ClubSM with 2 one-time passes per year.
card_name welcome bonus:
bonus_miles_full
Click here to learn more and apply.
Our take on the welcome bonus: The current bonus is the standard bonus. We’ve occasionally seen better welcome offers on this card, but Chase typically only increases the bonus by 10,000 additional miles or so.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
United℠ Explorer Card at a glance:
Annual fee: $0 intro annual fee for the first year, then $95.
Rewards: 2x miles on United purchases, dining, and hotel stays booked with the hotel. 1x miles on other eligible purchases.
Perks: 2 United Club one-time passes per year. Free first checked bag. Trusted traveler credit. Earns Premier Qualifying Points.
More about the United℠ Explorer Card
The United℠ Explorer Card offers a free first checked bag on United, one-time passes to the United Club each year, a credit for Trusted traveler programs, and the opportunity to earn Premier Qualifying Points toward status. The card has a $0 intro annual fee for the first year, then $95.
When you use the United℠ Explorer Card for United purchases, you’ll earn 2 miles per dollar. You’ll also earn 2 miles per dollar on dining and hotel accommodations purchased directly with the hotel. Other purchases earn 1 mile per dollar.
With the United℠ Explorer Card, you’ll get a first free checked bag for you and a companion. When you travel on United, you’ll receive Priority boarding and 25% back on United inflight and club premium drink purchases. Twice a year, you’ll be able to treat yourself to lounge access with the 2 United Club℠ passes that you’ll get each year. The card also includes travel insurance coverages like baggage delay insurance, lost luggage reimbursement and trip delay reimbursement.
United Quest℠ Card welcome bonus
If you are into redeeming United MileagePlus miles for flights, the United Quest℠ Card is the card to get. You’ll get two 5,000 mile award flight credits each year when you redeem your miles. Some other airline credit cards at this price point offer a companion certificate, but with the Quest card you can earn $125 in United purchase credits annually—that’s potentially less value than you could get from a companion certificate, but much easier to use for solo travelers.
card_name welcome bonus:
bonus_miles_full
Click here to learn more and apply.
Our take on the welcome bonus: Chase seems to increase the welcome bonus on this card every few months. If you don’t need the card immediately, it might be worthwhile to wait on another bonus.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
United Quest℠ Card at a glance:
Annual fee: $250.
Rewards: 3x miles on United purchases. 2x miles on dining, select streaming services, and all other travel. 1x miles on other eligible purchases.
Perks: Up to $125 in United purchase credits. Up to 10,000 in award flight credits. Free first and second bags. Trusted traveler credit. Earns Premier Qualifying Points.
More about the United Quest℠ Card
The United Quest℠ Card may be the best choice for the United MileagePlus member who flies United often, but doesn’t need lounge access. With the card, you’ll get an annual United purchase credit and a rebate on miles when you book MilagePlus award ticket on United twice a year. The United Quest℠ Card has a $250 annual fee.
The United Quest℠ Card ups the earnings on United, giving you 3 miles per dollar on United purchases. You’ll also earn 2 miles per dollar in long list of categories including all other travel (airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare services, and tolls), on dining and select streaming services. Other purchases earn 1 mile per dollar.
You and one companion on the same reservation will get a first and second free checked bag when you book your United-operated flight with your card. You’ll also be rewarded with flight credits and additional miles when you book tickets on United. You can get up to $125 in statement credits as reimbursement for United purchases. When you book award tickets, you can get 5,000 miles back in your MileagePlus account when you book a United-operated award ticket, up to twice a year.
United Club℠ Infinite Card welcome bonus
If you want to buy access to the United Club, this is the card for you. With the United Club℠ Infinite Card, you’ll get 4x points on your United purchases, plus 2x points in several bonus categories. You’ll also get a 10% discount on United saver award tickets. If all you want is lounge access and you don’t care about earning points or saver award discounts, consider the United Club℠ Business Card to save $75 on the annual fee.
card_name welcome bonus:
bonus_miles_full
Click here to learn more and apply.
Our take on the welcome bonus: In early 2023, the welcome bonus on this card offered 100k points, but the current bonus is the best bonus we’ve seen recently on this card.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
United Club℠ Infinite Card at a glance:
Annual fee: $525.
Rewards: 4x miles on United purchases. 2x miles on dining and all other travel. 1x miles on other eligible purchases.
Perks: Untied Club membership. Free first and second bags. Trusted traveler credit. Earns Premier Qualifying Points.
More about the United Club℠ Infinite Card
The United Club℠ Infinite Card is the card that will get you into the United Club when traveling on United. It is also the card that offers the most miles for your United charges, paired with the most generous slate of additional travel benefits. The card has an annual fee of $525.
With the United Club℠ Infinite Card, you’ll earn more for your United flights than you will with any other United card—4 points per dollar for United purchases. You’ll earn 2 points per dollar on all other travel purchases, plus dining and eligible delivery services. Other purchases earn 1 point per dollar.
The headline benefit of the United Club℠ Infinite Card is its included United Club℠ membership, which can get you and your eligible companions into the United Club℠ and participating Star Alliance lounges. You’ll also get a free first and second checked bag for you and a companion, plus a suite of premium travel insurance benefits.
United℠ Business Card welcome bonus
The United℠ Business Card gives you 2 one-time United Club passes per year and a $100 United travel credit after 7 United flight purchases. Pair this card with a personal card and you’ll get a 5,000 point annual “better together” bonus. The United℠ Explorer Card is an ideal pairing if you don’t fly United that often, but want a total of 4 United Club one-time passes.
card_name welcome bonus:
bonus_miles_full
Click here to learn more and apply.
Our take on the welcome bonus: Chase recently lowered the bonus to the current 75,000 miles, but it also lowered the first year annual fee on the card. That means the United Business Card’s welcome bonus remains the best welcome bonus when you consider annual fees, in our view.
The link above is our affiliate link. We always show you the best offer, and this is the best offer we know about on this card.
United℠ Business Card at a glance:
Annual fee: $0 intro annual fee for the first year, then $99.
Rewards: 2x miles on United purchases, dining, gas stations, office supply stores and local transit and commuting. 1x miles on other eligible purchases. 5,000 mile anniversary bonus when you also hold a United personal credit card
Perks: First checked bag free, 2 United Club passes per year, can earn Premier Qualifying Points
More on the United℠ Business Card
The United℠ Business Card is United and Chase’s entry-level offering for small business owners. The card offers the usual benefits like a free checked bag and earning additional miles on United tickets that you’d expect from an entry-level card. Carrying the United℠ Business Card can also help you earn Premier qualifying points, the points you need for status.
The card helps you earn MilagePlus miles across a wide selection of categories relevant to small businesses. First, you earn two miles per dollar you spend on United Purchases. You’ll also earn two miles per dollar spent on dining, at gas stations, at offices supply stores and on local transit and commuting. You’ll earn one mile per dollar spent on other purchases. You’ll also earn a 5,000 mile “better-together” bonus when you hold this card and a United personal credit card.
Like most airline credit cards with an annual fee, the United℠ Business Card offers a free checked bag, but only for the primary cardmember and one companion on the same reservation. You’ll also get two United Club one-time passes each year and a $100 United travel credit after making seven United flight purchases of $100 or more each cardmember anniversary year.
United Club℠ Business Card welcome bonus
The United Club℠ Business Card is the cheapest way to get a United Club membership. You won’t earn as many points or benefit from the saver ward travel discount available on the personal card, but you’ll save $75 each year in annual fee charges.
United Club℠ Business Card welcome bonus:
Earn 75,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open.
All information about the United Club℠ Business Card has been collected independently by cardsandpoints.com.
Click here to learn more and apply.
Our take on the welcome bonus: If you’re after PQPs, this elevated bonus is worth a look, but the current 100k bonus on the other business card is probably better if you want redeemable miles.
The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.
United Club℠ Business Card at a glance:
Annual fee: $450.
Rewards: 2x miles on United purchases. 1.5x miles on other eligible purchases.
Perks: Untied Club membership. Free first and second bags. Earns Premier Qualifying Points.
More on the United Club℠ Business Card
For small business owners, the United Club℠ Business Card offers the most affordable entry point for United Club℠ lounge access. The card doesn’t earn terribly impressive rewards on United travel, but it is the only United card that earns 1.5x miles on general purchases. The United Club℠ Business Card’s annual fee is $450.
When you use the United Club℠ Business Card for United purchases, you’ll get 2 miles per dollar. Other purchases earn 1.5 miles per dollar—the most miles earned on any United card on general purchases.
In addition to a United Club℠ membership, you’ll get a first and second checked bag free for you and a companion, Premier Access travel services, and an opportunity to earn up to 1,000 Premier Qualifying Points each year toward your status. The card also comes with premium travel insurance protections.
A few notes on applying for Chase cards
- 5/24 rule. Chase generally won’t approve you if your credit report is showing 5 or more new credit card accounts opened in the last 24 months. This rule is knows as the 5/24 rule. If you’re unsure if you are “under 5/24” you should check your 5/24 status before applying for a Chase card. Note that recently this rule seems to have softened, especially for Ink cards. See our coverage about Chase 5/24 for more.
- Only one Sapphire-branded card. You can only hold one Chase Sapphire-branded card at a time. This means you can have either a Chase Sapphire Preferred® Card or a Chase Sapphire Reserve®, but not both.
- You can get a welcome bonus on a Chase card, even if you’ve had the card previously. How often you can earn a welcome bonus on a Chase card varies by card family.
- Most cards allow you to earn a welcome bonus if it has been at least 24 months since your last received a welcome bonus on the same card.
- Chase Sapphire-branded cards, such as the Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, you can only earn a welcome bonus once every 48 months. (We published a separate article to help you determine if you can get a Sapphire welcome bonus.)
- Marriott cards have their own special rules.
- Chase will match an increased bonus. If you apply for a Chase card and the bank offers a higher bonus within 90 days, you can send Chase a secure message or call them to have your welcome offer matched.
- In-branch offers are sometimes better. Chase sometimes has better credit card welcome offers in-branch than it will publish on its own website or through affiliate networks. Check all channels to make sure you’re getting the best bonus.
- Chase business cards do not report to personal credit reports and do not impact your 5/24 status as long as they are current.
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