United Credit Card: Perks and benefits explained
Quick insights
- You can earn United MileagePlus® miles on every purchase, which can be redeemed for future flights on United and its partner airlines.
- There are four United personal credit cards: United GatewaySM Card, UnitedSM Explorer Card, United QuestSM Card and United ClubSM Card.
- Chase United credit cards can be a great option for travelers who value added perks like free checked bags, statement credits and more.
If you're a frequent flyer or just want to travel more, a travel credit card can be a good way to earn miles toward your next trip and to enjoy a range of travel perks. Selecting an airline credit card, such as United, can help enhance your travel experience through rewards, travel perks and lounge access. There are a variety of benefits for travelers and many ways to earn miles through the United MileagePlus® Program. Learn more about the Chase United credit card benefits to help find the right card for you.
United credit card offers and perks
Below is a list of some of the United credit card offers and perks:
- Earn miles: Each United card offers great opportunities to earn miles on travel, dining and everyday purchases. While every card has everyday earning capabilities, certain cards have accelerated earning opportunities to help you rack up points. Go to the United Credit Cards site for the latest information.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit: Some United cards qualify for a statement credit of up to $120 every four years after cardmembers complete either the Global Entry, TSA PreCheck® or NEXUS application and charge the application fee to their eligible United card.
- Bonus miles: United credit cards often offer new cardmember bonus miles offers. Go to the United Credit Cards site for the latest information about bonus miles for each card.
- MileagePlus Program benefits: The United credit cards offer cardmembers MileagePlus benefits, including the opportunity to earn Premier® qualifying points (PQP) on eligible cards.
- 25% back on United inflight and Club premium drink purchases: The United credit cards offer 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United operated flights and on Club premium drinks when you pay with your United Card.
- Travel protectionstravel-purchase-protection: The United cards listed below all feature Auto Rental Coverage and Trip Cancellation and Interruption Insurance. Coverage levels and amounts vary by card.
United credit card options
There are four United personal credit cards, all with a unique set of perks. There is no annual fee associated with the United GatewaySM card. The UnitedSM Explorer Card, United QuestSM Card and United ClubSM Card each have an annual fee. The amount of the annual fee varies for each credit card.
United GatewaySM Card
The benefits of the United Gateway℠ Card include:
- 2 miles per $1 spent on United purchases, local transit and commuting, and at gas stations
- 1 mile per $1 spent on all other purchases
- 25% back on United inflight purchases and Club premium drink purchases
- 2 checked bags after you spend $10,000 in a calendar year
UnitedSM Explorer Credit Card
Here are some of the benefits of the United℠ Explorer Credit Card:
- 2 miles per $1 spent on United purchases, dining including eligible delivery services and on hotel stays when booked directly with the hotel
- 1 mile per $1 spent on all other purchases
- 2 United Club℠ one-time passes per year after account opening and on each anniversary
- Free first checked bag (terms apply)
- Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year
- Earn a $100 United® travel credit after you spend $10,000 on purchases with your UnitedSM Explorer Card within a calendar year
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- Priority boarding on United flights
- 25% back on United inflight purchases and Club premium drink purchases
- Earn 1 Premier® qualifying point (PQP) for every $20 spent on purchases with your Explorer Card, up to 1,000 per year
United QuestSM Card
The following rewards and perks come with United Quest℠ Card:
- 3 miles per $1 spent on United purchases
- 2 miles per $1 spent on all other travel, dining including eligible delivery services, and select streaming services
- 1 mile per $1 spent on all other purchases
- Get a $200 United travel credit after account opening and on each account anniversary
- Starting with your first anniversary and every anniversary thereafter, you’ll get a 10,000-mile discount to use toward an eligible award flight
- Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year
- Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year
- Free first and second checked bags (terms apply)
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- Priority boarding on United flights
- 25% back on United inflight purchases and Club premium drink purchases
- 1,000 Card Bonus PQP each qualification year, starting in 2026
- Earn 1 Premier® qualifying point (PQP) for every $20 spent on purchases with your Quest Card, up to 18,000 PQP per year
United ClubSM Card
In addition to United Club℠ membership (at least a $750 value per year), United Club℠ Card benefits include:
- 4 miles per $1 spent on United purchases
- 2 miles per $1 spent on all other travel and dining including eligible delivery services
- 1 mile per $1 spent on all other purchases
- Free first and second checked bags (terms apply)
- Earn a 10,000-mile award flight discount after $20,000 in purchases—up to two times each calendar year
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back on United inflight purchases and Club premium drink purchases
- 1,500 Card Bonus Premier® qualifying points (PQP) each qualification year, starting in 2026
- Earn 1 Premier® qualifying point (PQP) for every $15 spent on purchases with your Club Card, up to 28,000 PQP per year
- With Premier Access® travel service, additional perks include priority check-in, security screening, boarding and baggage handling services (where available)
Are the United credit cards worth it?
United credit cards can be a way to earn travel rewards for both frequent and occasional United flyers. These credit cards come with useful benefits when flying with United. Additionally, you can also redeem your earned miles to fly with United Airlines partners.
If you decide to apply for a United credit card, evaluate the card benefits to determine if it's a good fit.
