The 7+ Best Credit Cards for United Flyers in 2024 [Lounges, Upgrades, Priority Boarding & More]

In general, if you fly any airline frequently, you’ll benefit from having its branded credit card.

Doing so can provide the perks of free checked bags, discounted or complimentary lounge access, priority boarding, upgraded seating, and quicker trips through security. You’ll also earn frequent flyer miles quickly so you can book award flights faster.

Having a United-branded credit card can deliver all these benefits and more. Even if you travel just a few times a year, you’re sure to find value in one of the offered United credit cards.

You’re probably wondering, however, which United credit card is the best for your situation or if there are other travel rewards cards that benefit the United flyer more.

We’ve assembled the best credit cards available for United flyers along with benefits for each card so you can see which card might be best for you.

The 7 Best Cards for United Flyers — Overview

Best Cards for Flight Benefits & Purchases

General Flight Benefits

We all enjoy the savings that come with free checked bags and the convenience of early boarding. Here’s a list of the basic flight benefits each United-branded card provides:

United Club Infinite Card

• 2 free checked bags for you and 1 travel companion on the same reservation
• United Premier Access benefits including priority boarding, priority seat selection, priority security lane, and priority baggage handling for the cardholder and traveling companions on the same reservation

United Quest Card

• 2 free checked bags for you and 1 travel companion
• Priority boarding for you and your travel companions on the same reservation

United Explorer Card

• A free checked bag for you and 1 travel companion on the same reservation
• Priority boarding for you and your travel companions on the same reservation

United Club Business Card

• 2 free checked bags for you and 1 travel companion
• United Premier Access benefits including priority boarding, priority seat selection, priority security lane, and priority baggage handling for the cardmember and traveling companions on the same reservation

United Business Card

• A free checked bag for you and 1 travel companion on the same reservation
• Priority boarding for you and your travel companions on the same reservation

In addition to priority flight benefits, all United cardmembers of the above cards receive a 25% statement credit for inflight food and beverage purchases.

Bottom Line: The savings earned from having free checked bags and the convenience of boarding early are valued benefits that come with United-branded credit cards. 

Earning MileagePlus Miles on United Purchases

For United purchases, the United Club Infinite card earns 4x miles per dollar spent, the United Quest card earns 3x miles per dollar spent, and the United Explorer card, United Gateway card, and United-branded business cards earn 2x miles per dollar spent.

With United-branded credit cards, you can be assured that all of your flight purchases are earning United MileagePlus miles to use toward your next award redemption.

Qualifying for United Premier Elite Status

There are several benefits to having elite status in United’s MileagePlus frequent flyer program.

First and foremost, United MileagePlus Premier elite status is a key factor considered in whether or not you receive an upgraded seat on your flight.

The additional benefits of having Premier elite status include allowing you to earn bonus frequent flyer miles based on your Premier status level. Priority boarding, seat selection, and fee waivers also add to the benefits.

Let’s take a look at what it takes to earn United MileagePlus Premier status.

How United Credit Cards Help You Qualify for Status

United credit cardholders can earn Premier qualifying points (PQP) through their annual credit card spend and can apply this earned PQP toward any Premier elite status up to Premier 1K level.

• The United Explorer card, United Club Business card, and United Business card each earn 25 PQP for every $500 spent, up to 1,000 PQP.
• The United Quest card earns 25 PQP for every $500 spent, up to 6,000 PQP.
• The United Club Infinite card earns 25 PQP for every $500 spent, up to 10,000 PQP.

United Credit Cards for Elevated Upgrade Priority

United Club cardholders (business and personal versions) who are Premier members receive seat upgrade priority over those passengers in the same Premier level.

For example, if you have United Premier Silver status and have a United Club Infinite card or United Club Business card, you will have upgrade priority over a passenger who is also United Premier Silver but who doesn’t hold either United Club card.

Additionally, any MileagePlus member, including non-Premier members, can request to upgrade an eligible flight with miles. These MileagePlus Upgrade Award requests, if not immediately available, are waitlisted and processed in the following priority order:

1. PlusPoints Upgrades and MileagePlus Upgrade Awards
2. Premier status of the traveler
3. Fare class
4. Chase United Club cardholders and Presidential Plus cardholders
5. United corporate travelers
6. Chase United cardholders with $25,000 spent on the card in the calendar year
7. Date and time of the upgrade request

All qualifying Premier elite United cardholders are eligible for upgrades on United award tickets.

Qualifying United cardholders will want to sign into their MileagePlus account before searching for flights as United cardholders (and elite members) receive expanded access to more award flight options.

For more information on how to get upgraded on United, check out our informative guide.

Best Cards for United Club Lounge Access

Having access to an airport lounge can certainly elevate your travel experience. Lounge access, however, can be expensive. A single one-year membership to the United Club currently costs $450 to $550 depending on the prospective member’s current MileagePlus status level.

Adding a companion to your membership will cost an additional $550 and even a single-day pass will cost $59 per person.

As you can see, having complimentary lounge access is an immediate savings of at least $450 a year.

The following United credit cards offer complimentary lounge access:

• United Club Infinite card — complimentary membership
• United Club Business card — complimentary membership
• United Explorer card — 2 single 1-time-use passes each card anniversary year
• United Business card — 2 single 1-time-use passes each card anniversary year

Complimentary membership provides access to United Club lounges and select affiliated Star Alliance lounges for the cardholder and their immediate family members, or for 2 additional guests.

Hot Tip: If worldwide lounge access is your top priority and you fly several different airlines, you should check out The Platinum Card^® from American Express. In addition to a long list of luxury travel benefits, the card offers complimentary access for the cardholder and 2 guests to over 1,400 worldwide lounges. 

Best Overall Personal Cards for United Flyers

As a frequent United flyer, you want to ensure that you’re getting the most from your United-branded credit card. While we’ve covered most of those United-related benefits thus far, a summary of each card is useful.

United Club Infinite Card

United Club℠ Infinite Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Learn More(at Chase's secure site)

United Club℠ Infinite Card

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Welcome Offer

Earn 80,000 Bonus Miles After Qualifying Purchases

Earn 80,000 Bonus Miles

UP's Bonus Valuation*:

$960

Annual Fee

$525

APR

21.99% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

Pros & Cons

Pros

• 4x miles per $1 on United purchases
• 2x miles per $1 on travel and dining purchases
• Complimentary United Club membership

Cons

• $525 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn 80,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United^® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access^® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
• Member FDIC

Financial Snapshot

• APR: 21.99% - 28.99% Variable
• Foreign Transaction Fees: None

The United Club Infinite card comes with complimentary lounge access, stellar 4x earnings on United purchases, a faster path to elite status, and upgrade priority on United flights over non-cardholders. The card also comes with expanded award availability.

United Quest Card

United Quest℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Learn More(at Chase's secure site)

United Quest℠ Card

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Welcome Offer

Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

60,000 miles

UP's Bonus Valuation*:

$720

Annual Fee

$250

APR

21.99% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The newest addition to United’s lineup of cards is the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.

With an annual fee that falls between the United℠ Explorer Card and United Club℠ Infinite Card, the United Quest card makes for a fantastic card option for United frequent flyers.

Pros & Cons

Pros

• 3x miles per $1 on United purchases
• 2x miles per $1 spent on travel, dining, and select streaming services
• $125 annual United credit

Cons

• Does not earn transferable rewards
• Does not offer airport lounge access

Read Full Review

Card Highlights

• Earn 60,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United^® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
• Up to a $125 United^® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
• Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
• Member FDIC

Financial Snapshot

• APR: 21.99% - 28.99% Variable
• Foreign Transaction Fees: None

The United Quest card is best for a generous welcome offer, elevated 3x earnings on United purchases, and a faster path to Premier elite status by earning PQP credits for spending on the card. We like that the card earns big on travel, restaurants, and streaming services. Finally, use your card for United purchases and receive an annual statement credit ($125) plus 2 5,000-mile credits towards award flights each card anniversary year.

United Explorer Card

United℠ Explorer Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Learn More(at Chase's secure site)

United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Welcome Offer

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

50,000 bonus miles

UP's Bonus Valuation*:

$600

Annual Fee

$95

APR

21.99% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

You should consider the United℠ Explorer Card, because this card does all that and more!

Pros & Cons

Pros

• 2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
• 1x mile per $1 on all other purchases
• First checked bag free for you and up to 1 traveling companion

Cons

• $0 intro annual fee for the first year, then $95 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $95.
• Earn 2 miles per $1 spent on dining, hotel stays, and United^® purchases
• Up to $100 Global Entry, TSA PreCheck^® or NEXUS fee credit
• 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 Explorer Card
• Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
• Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
• Member FDIC

Financial Snapshot

• APR: 21.99% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

United MileagePlus Frequent Flyer Program

We like that this card has a lower annual fee yet still comes with 2 United Club passes each anniversary year. Like the premium United-branded cards, you’ll also be earning PQP credits towards Premier elite status and receive complimentary upgrades on United award flights.

In addition to the above list of benefits, each personal United-branded cardholder receives a 25% statement credit on inflight food and beverage purchases and expanded award flight availability. Plus, you’ll find valuable travel insurance coverages and shopping benefits/protections that vary by card.

Actual benefits and the terms and conditions can be found in the specific card’s guide to benefits.

Best Overall Business Cards for United Flyers

Whether traveling for business or pleasure, the perks that come with a United business credit card can make your trip more comfortable and even save you money.

Even small businesses can earn a lot of United miles quickly with a United-branded business card.

United Club Business Card

United Club℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Club Business card is a great option for frequent United flyers looking for United Club access.

United Club℠ Business Card

The United Club Business card is a great option for frequent United flyers looking for United Club access.

Welcome Offer

Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open.

50,000 miles

UP's Bonus Valuation*:

$600

Annual Fee

$450

APR

21.99%–28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.

From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.

Pros & Cons

Pros

• 2x miles per $1 spent on United purchases
• 1.5x miles per $1 spent on all other purchases
• Complimentary United Club membership

Cons

• $450 annual fee
• Earning rate for United purchases is poor compared to other United cards

Read Full Review

Card Highlights

• Earn 50,000 bonus miles + 1,000 Premier qualifying points (PQP) after $5,000 on purchases in the first 3 months your account is open
• Earn 2x miles on United purchases
• Earn 1.5x miles on all other purchases
• Employee cards at no additional cost
• United Club membership — up to a $650 value per year. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi, and more
• Free first and second checked bags for you and a companion, save up to $320 per round-trip
• 25% back on United inflight purchases
• No foreign transaction fees

Financial Snapshot

• APR: 21.99%–28.99% Variable
• Foreign Transaction Fees: $0

Business travelers will welcome the complimentary United Club lounge membership and upgrade priority on United flights. They’ll also receive complimentary upgrades on United award tickets. Miles will accumulate quickly as business owners receive 1.5x earnings on all non-United business purchases and earn PQP toward Premier elite status by spending on the card.

United Business Card

United℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Learn More(at Chase's secure site)

United℠ Business Card

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Welcome Offer

Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Earn 75,000 bonus miles

UP's Bonus Valuation*:

$900

Annual Fee

$0 introductory annual fee for the first year, then $99

APR

21.99% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent Credit Recommended (670-850)

Why We Like This Card

The United Business card is a compelling option for traveling business owners that are also frequent United flyers. Not only will the card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.

Pros & Cons

Pros

• $0 introductory annual fee for the first year, then $99.
• 2x miles per $1 on United purchases
• 2x miles per $1 on dining

Cons

• Doesn’t earn transferable rewards
• Other United cards are more rewarding for United purchases

Read Full Review

Card Highlights

• Earn 75,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $99.
• Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United^® credit card.
• Earn 2 miles per $1 spent on United^® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
• Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club(SM) one-time passes per year, and priority boarding privileges.
• $100 United^® travel credit after 7 United flight purchases of $100 or more each anniversary year.
• Member FDIC

Financial Snapshot

• APR: 21.99% - 28.99% Variable
• Foreign Transaction Fees: None

The United Business card pairs well with a United-branded personal card. So well, that you’ll receive 5,000 miles each card anniversary for having both cards. There’s also a generous welcome offer and elevated earnings on specific business categories. In addition, the card comes with 2 1-time United Club passes each year.

Bottom Line: United’s core credit cards offer plenty of flight benefits, expanded award flight availability, and a faster path to Premier status. The cards also offer accelerated earnings per dollar spent on United purchases.

Best Debit Card for United Flyers With Less-Than-Perfect Credit

While the cards we’ve discussed in this article require a good or excellent credit score, you don’t need a stellar credit score to earn United MileagePlus miles on your purchases.

MileagePlus^® GO Visa^® Prepaid Card

The GO Visa Prepaid card earns up to 2 miles per dollar spent on all purchases. There is a [up cc_id=361375 name="mileageplus-go-visa-card-annual-fee-number"] fee, however, there are some benefits that come with this card:

• No credit inquiry
• 5% annual percentage yield (APY) savings account on balances up to $1,000
• FDIC-insured
• Earn up to 2,500 MileagePlus miles per month

If you select the monthly plan, you’ll earn 1 mile per $2 spent on the card. If you select the annual plan, you’ll earn 1 mile per dollar spent on the card.

If you’re able to earn 2,500 miles per month, which is the monthly maximum, you could end up with 30,000 miles each year. That can be enough for a one-way ticket to Europe or nearly enough for a round-trip to the Caribbean.

If you’re earning the maximum interest on the account ($50 on $1,000), your net cost for 30,000 miles would be $35, which is the cost of the annual fee minus the interest received.

Hot Tip: Note that the GO Visa Prepaid card does not report to credit bureaus, so you will not be building or rebuilding credit. Our guide on the best credit cards for bad credit can help you find the best card if you’re trying to build or rebuild your credit. If you’re looking for alternative ways of building or rebuilding your credit, check out our complete guide to Self.

This card is not your best choice if you have sufficient credit to qualify for a United-branded or other travel rewards credit card.

Best No-Annual-Fee Card

Regardless of the corresponding benefits, some travelers prefer a credit card that doesn’t have an annual fee.

United Gateway℠ Card

United Gateway℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Learn More(at Chase's secure site)

United Gateway℠ Card

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Welcome Offer

Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

20,000 miles

UP's Bonus Valuation*:

$240

Annual Fee

$0

APR

0% Intro APR on Purchases for 12 months; after that, 21.99% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The United Gateway℠ Card is a great option for those looking to earn more United miles without wanting to pay a credit card annual fee. Plus, the card offers other solid benefits like a 25% back on United inflight purchases, purchase protection, and rental car insurance.

Pros & Cons

Pros

• 2x miles per $1 on United purchases
• 2x miles per $1 at gas stations and on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit
• 1x mile per $1 on all other purchases

Cons

• If you are a frequent United flyer, other cards offer more perks
• It does not earn transferable rewards

Read Full Review

Card Highlights

• Earn 20,000 bonus miles
• No annual fee
• Earn 2 miles per $1 spent on United^® purchases, at gas stations and on local transit and commuting
• Earn 2 miles per $1 spent on United^® purchases
• Earn 2 miles per $1 spent at gas stations, on local transit and commuting
• Earn 1 mile per $1 spent on all other purchases
• 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 Gateway Card
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR on Purchases for 12 months; after that, 21.99% - 28.99% Variable
• Foreign Transaction Fees: None

The United Gateway card does not come with any United flight benefits, lounge access, or expanded award availability — but it does earn United MileagePlus miles with a $0 annual fee. You can also earn a welcome bonus (earned as bonus miles) after meeting a minimum spending requirement. The card includes rental car and trip interruption coverage and does not charge foreign transaction fees.

Hot Tip: Since the United Gateway card does not offer any related United flight benefits, you might fare better with a travel rewards credit card such as the Chase Freedom Unlimited^® that earns 5% on travel purchases via the Chase travel portal, 3% on dining and drugstores, and 1.5% cash-back on all other purchases. Occasionally, this card offers an additional cash-back amount as part of a welcome offer, so you could earn even more cash-back. Points can be redeemed for United flights (or any other airline) via the Chase travel portal or transferred to premium Chase credit cards for even greater redemption value.

Additional United Credit Card Benefits

While we’ve covered most of the benefits provided to United flyers on United-branded credit cards, there are several significant additional benefits offered that should be mentioned:

• Primary Rental Car Insurance Coverage — No need to purchase extra CDW coverage from the rental car agency
• No Foreign Transaction Fees — Your card travels with you without transaction fees on foreign purchases
• Trip Delay — When your trip is delayed more than 12 hours, you could receive reimbursement for essentials up to $500
• Baggage Delay — When baggage is delayed more than 6 hours, you could receive reimbursement for $100 per day for up to 3 days
• Trip Cancellation/Interruption — Up to $1,500 per person, $6,000 per trip for covered trip interruptions and cancellations
• Lost Luggage — Up to $3,000 when luggage is lost or damaged by the carrier
• Luxury Hotel & Resort Collection Perks — Receive complimentary breakfast, free Wi-Fi, room upgrades, and more at over 900 properties
• Emergency Evacuation — Available on some United-branded credit cards
• Concierge Services — Assistance with reservations, travel plans, and special access for events
• Purchase Protection — Receive coverage for loss or damage to an eligible purchased item for up to 120 dates from the date of purchase
• Extended Warranty — Extends the U.S. manufacturer’s warranty by an extra year on warranties less than 3 years

Not all benefits are available on all United credit cards. The actual benefits on your specific United-branded credit card, along with the terms and conditions, can be found in the benefits guide that comes with the card.

Best Credit Cards for Transferring Rewards to United

If you currently have credit cards that earn Chase Ultimate Rewards points, Marriott Bonvoy points, or American Express Membership Rewards points, you may have the ability to transfer those points to United or other Star Alliance airline partners.

Chase Ultimate Rewards

Chase Ultimate Rewards points are easy to earn and transfer to United. United is a Chase transfer partner at a ratio of 1:1.

These recommended Chase credit cards are great for earning Ultimate Rewards points and are also great for redeeming Ultimate Rewards points for purchasing United flights via the Chase Travel portal.

Be sure to check both transferring points and purchasing options to determine which one gives you the best value.

Recommended Chase Cards (Personal)

GREAT STARTER CARD

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$95

APR

21.49%-28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 5x points on select Peloton purchases over $150 (through March 31, 2025)
• 5x points on Lyft purchases (through March 31, 2025)

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Financial Snapshot

• APR: 21.49%-28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros & Cons

Pros

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025

Cons

• $550 annual fee
• Does not offer any sort of hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Financial Snapshot

• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

UP TO $300 BACK

Chase Freedom Unlimited^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Up to $300 cash back

Annual Fee

$0

APR

0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Travel℠
• 3% back on dining and drugstore purchases

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

Chase Freedom Flex^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Learn More(at Chase's secure site)

Chase Freedom Flex^®

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome Offer

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee

Cons

• 3% foreign transaction fees in U.S. dollars

Read Full Review

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Flex^® card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

Financial Snapshot

• APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Business owner? See our list of the best Chase business credit cards.

Marriott Bonvoy Points

You can quickly earn Marriott Bonvoy points and transfer them to United at the rate of 3 Marriott Bonvoy points to 1 United mile. Additionally, for every 60,000 Marriott Bonvoy points transferred, you’ll receive a bonus of 5,500 miles for a total of 25,500 miles.

Recommended Marriott Bonvoy Cards (Personal)

Marriott Bonvoy Bold^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Learn More(at Chase's secure site)

Marriott Bonvoy Bold^® Credit Card

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Welcome Offer

Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in the first 3 months from account opening. Free Night valued at 50,000 points. Certain hotels have resort fees.

60,000 points + 1 Free Night Award

UP's Bonus Valuation*:

$770

Annual Fee

$0

APR

21.49%–28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold^® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

Pros & Cons

Pros

• Up to 14x points per $1 on Marriott purchases
• 2x points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
• 5 Elite Night Credits each year

Cons

• Lower point earn rate than other Marriott Bonvoy cards
• Marriott Bonvoy Silver Elite status is the lowest status tier

Read Full Review

Card Highlights

• Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in the first 3 months from account opening. Free Night valued at 50,000 points. Certain hotels have resort fees.
• Pay no annual fee with the Marriott Bonvoy Bold^® Credit Card from Chase^®!
• Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Bold^® Card.
• New! Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
• 1X point for every $1 spent on all other purchases.
• New! Travel now, pay later – Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
• No Foreign Transaction Fees.
• Member FDIC

Financial Snapshot

• APR: 21.49%–28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

Marriott Bonvoy Boundless^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Learn More(at Chase's secure site)

Marriott Bonvoy Boundless^® Credit Card

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Welcome Offer

Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless^® Credit Card!

Earn 3 Free Night Awards

UP's Bonus Valuation*:

$1,050

Annual Fee

$95

APR

21.49%–28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless^® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros & Cons

Pros

• Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
• Earn big at grocery stores, gas stations, and dining
• Automatic Silver Elite Status

Cons

• $95 annual fee
• Marriott Silver Elite Status is the lowest status tier

Read Full Review

Card Highlights

• Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
• Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Boundless^® Card.
• Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
• No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
• Member FDIC

Financial Snapshot

• APR: 21.49%–28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

ELEVATED OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Bevy™ American Express^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Bevy™ American Express^® Card

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Welcome Offer

Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

155,000 points

UP's Bonus Valuation*:

$1,085

Annual Fee

$250

APR

20.99%-29.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Marriott Bonvoy Bevy™ American Express^® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.

Pros & Cons

Pros

• 6x points per $1 at hotels participating in Marriott Bonvoy
• 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2x points)
• 2x points per $1 on all other purchases

Cons

• $250 annual fee (rates & fees)
• Free Night Award certificate is not an automatic benefit

Read Full Review

Card Highlights

• Earn 155,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
• Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
• Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
• Earn 2X points on all other eligible purchases.
• Marriott Bonvoy 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy^® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
• With complimentary Marriott Bonvoy Gold Elites status, earn up to 2.5X points from Marriott Bonvoy^® on eligible hotel purchases with the 25% Bonus Points on stays benefit, available for Qualifying Rates.
• Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy^® points) at a hotel participating in Marriott Bonvoy^®. Certain hotels have resort fees.
• 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card^® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Plan It^® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
• $250 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 20.99%-29.99% Variable
• Foreign Transaction Fees: None

ELEVATED OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Brilliant^® American Express^® Card

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Welcome Offer

Earn 185,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

185,000 points

UP's Bonus Valuation*:

$1,295

Annual Fee

$650

APR

20.99%-29.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Marriott Bonvoy Brilliant^® American Express^® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros & Cons

Pros

• 6x points per $1 at hotels participating in Marriott Bonvoy program
• 3x points per $1 on flights booked directly with airlines and restaurants worldwide
• 2x points per $1 on all other purchases

Cons

• Steep annual fee of $650 (rates & fees)
• 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy™ American Express^® Card

Read Full Review

Card Highlights

• Earn 185,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card at restaurants worldwide.
• With Marriott Bonvoy Brilliant^® American Express^® Card Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®. Earn 3X Marriott Bonvoy^® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy^® points on all other eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card.
• Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant^® American Express^® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton^® or St. Regis^® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck^®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck^® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant^® American Express^® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant^® American Express^® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 20.99%-29.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

Bilt Rewards Points

The Bilt World Elite Mastercard^® Credit Card was designed specifically to help renters earn Bilt Rewards points on their rent payments without a transaction fee.

Bilt Rewards points transfer at a 1:1 ratio almost immediately to United.

Terms Apply / Rates & Fees

Bilt World Elite Mastercard^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at Bilt's secure site)

Bilt World Elite Mastercard^® Credit Card

Annual Fee

$0

Why We Like This Card

Never before has there been a credit card built specifically with renters in mind. Enter the Bilt World Elite Mastercard^® Credit Card, designed specifically to help renters earn rewards on their rent payments with no transaction fees.

Of course, aside from rewards on rent, there are many other solid features that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt card has to offer to help you decide whether the card makes sense for you.

Pros & Cons

Pros

• 3x points per $1 at restaurants
• 2x points per $1 on travel booked directly with airlines, hotels, and car rental agencies
• 1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year

Cons

• Does not offer a welcome bonus
• Must use the card 5 times each statement period to earn points

Read Full Review

Card Highlights

• $0 annual card fee
• 1X points on rent payments with no transaction fee (up to $100,000 in rent payments every calendar year) and on other purchases
• 2X points on travel (when booked directly with an airline, hotel, car rental or cruise company)
• 3X points on dining
• Use the card 5 times each statement period to earn points
• Select Learn More to learn more about the product features, terms, and conditions

Financial Snapshot

• Foreign Transaction Fees: $0

Hot Tip: Transferring points to United may not be the best value for your points. Be sure to explore purchasing the ticket with points, the cost of purchasing the United ticket outright, and the cost to purchase an award ticket with United miles prior to making any transfer. 

Amex Membership Rewards Points

American Express Membership Rewards points cannot be transferred directly to United. However, you may be able to use American Express transfer partners such as Air Canada, ANA, or Singapore Airlines and then book United flights.

Best Alternative Cards

The best rate you can earn with United-branded credit cards for purchasing flights on United is 2 to 4 miles per dollar spent.

Several premium rewards credit cards offer better earnings and more benefits for the frequent traveler who travels with other airlines, in addition to United.

Amex Platinum Card

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck^® application fee for a 5-year plan only (through a TSA PreCheck^® official enrollment provider), when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Why We Like This Card for United Flyers:

• 5x Membership Rewards Points on United flights purchased from United or from AmexTravel.com (up to $500,000 per year, then 1x)
• Complimentary access to over 1,400 lounge properties worldwide, including the prestigious Centurion Lounge network
• Up to $200 airline incidental fee credit each year (can be used on United)

Chase Sapphire Reserve Card

Why We Like This Card for United Flyers:

• 5x Ultimate Rewards points on airfare booked via the Chase Travel portal
• 3x points on all travel purchases, including United flights
• Priority Pass lounge membership (over 1,400 properties)
• Ease of booking United flights on the Chase Travel portal
• Ease of transferring points to United MileagePlus
• Up to $300 annual travel credit (can be used on United)

Bottom Line: Depending on your traveler profile, a United-branded credit card may not be the best overall credit card for the United flyer. 

How To Choose a United Airlines Credit Card

In our view, the 2 most important things to consider when deciding which United credit card is best for you is how often you fly with United and what perks you are looking for out of your new card.

Those who fly with the airline just a few times a year and are primarily looking to save some cash with a free first checked bag and want perks like priority boarding and a 25% rebate on inflight purchases should consider the United Explorer card.

On the other hand, if you’re a United loyalist that flies with the airline constantly, you want to earn as many miles on your United flights as possible, you want United Club lounge access, a 10% discount on select United economy Saver awards, and a way to earn extra Premier Qualifying Points toward your next elite status level, then the United Club Infinite card would be the better fit for you.

How To Apply for United Airlines Credit Cards

Applying for a United Airlines credit card is no different than applying for any other credit card. Simply select the United credit card that you want to submit an application for, then fill out all of the required application details.

Usually, this will include items like your name, date of birth, Social Security number, address, income details, and more. After you’ve entered all of the details you can click to submit your application. Keep in mind that sometimes you will receive your application results instantly, but in some instances you might have to wait a few days or a few weeks to receive your result.

Final Thoughts

If you travel even a few times a year on United, you could benefit from a United-branded credit card. Additionally, if you are currently paying for a United Club annual membership, a United Club Infinite card with complimentary lounge access could be an appropriate and economical choice.

If you travel enough with United to qualify for MileagePlus Premier status, you may already be receiving benefits such as free checked bags, priority boarding, and other flight benefits. You may not gain a lot of additional value from a United-branded card.

If you frequently fly on other airlines in addition to United, pay for an annual lounge membership, and spend a lot on travel in general, having just a United credit card may not be the best choice. A premium travel rewards credit card could be a better fit.