United MileagePlus credit cards
Chase issues six United cards: four personal (Gateway, Explorer, Quest and Club) and two business. They climb from a no-fee card with discounted inflight purchases to the United Club card with lounge membership, and every card except the Gateway adds a free checked bag and priority boarding on United. The paid cards also earn Premier qualifying points toward status, and none of the six charges a foreign transaction fee.
Written and reviewed by the Points Plug team. Last reviewed .
| Card | Issuer | Annual fee | Welcome offer |
|---|---|---|---|
| United Gateway Card | Chase | $0 | Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months (up to 40,000 miles). |
| United Explorer Card | Chase | $0 intro annual fee for the first year, then $150 | Earn up to 60,000 bonus miles: 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months. |
| United Quest Card | Chase | $350 | Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP): 60,000 bonus miles + 500 PQP after you spend $4,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months. |
| United Club Card | Chase | $695 | Earn up to 90,000 bonus miles: 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months. |
| United Business Card (business) | Chase | $150 | Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an employee card in the first 3 months. |
| United Club Business Card (business) | Chase | $695 | Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an employee card in the first 3 months. |
United Gateway Card
Chase · Visa · Personal card
- Annual fee
- $0
- Welcome offer
- Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months (up to 40,000 miles).
- Foreign transaction fee
- None
What it earns
| 5x | eligible United flights (total miles) |
|---|---|
| 2x | all other eligible United purchases |
| 2x | gas stations |
| 2x | local transit and commuting |
| 1x | all other purchases |
Airline benefits
- Two standard checked bag certificates after spending $10,000 on purchases in a calendar year
- Award flights for at least 10% fewer miles than the base price after $10,000 in annual spend
- 25% back as a statement credit on United inflight food, drinks and Wi-Fi and on United Club premium drinks
Credits and travel cover
- Trip cancellation and interruption insurance up to $1,500 per covered traveler and $6,000 per trip
- Auto rental coverage
- 0% intro APR for 12 months on purchases
Shopping benefits
- Purchase protection for 120 days, up to $500 per item
- Extended warranty protection
Who can get the offer: This credit card is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.
Source: Chase: United Gateway Card page
United Explorer Card
Chase · Visa Signature · Personal card
- Annual fee
- $0 intro annual fee for the first year, then $150
- Welcome offer
- Earn up to 60,000 bonus miles: 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
- Foreign transaction fee
- None
What it earns
| 9x | eligible United flights (total miles) |
|---|---|
| 3x | all other eligible United purchases |
| 2x | hotel stays |
| 2x | dining |
| 1x | all other purchases |
Airline benefits
- Free first checked bag for the primary cardmember and one companion
- Two United Club one-time passes a year
- Priority boarding
- 1 Premier qualifying point (PQP) for every $20 in purchases, up to 1,000 PQP a year
- Save 10% or more when booking flights with miles, plus a 10,000-mile award flight discount after $20,000 in annual spend
- 25% back as a statement credit on inflight food, drinks and Wi-Fi and on United Club premium drinks
- Up to $120 statement credit for Global Entry, TSA PreCheck or NEXUS every 4 years
Credits and travel cover
- $100 United travel credit after $10,000 in annual spend
- Up to $100 in United Hotels credits, $60 in rideshare credits, $50 in Avis or Budget credits and $100 in JSX credits
- Trip cancellation and interruption insurance up to $1,500 per covered traveler
- Trip delay reimbursement up to $500 per covered traveler
- Baggage delay insurance up to $100 a day for 3 days, and lost luggage reimbursement up to $3,000 per covered traveler
- Primary auto rental coverage up to $60,000
Shopping benefits
- Purchase protection for 120 days against damage or theft, up to $10,000 per item
- Extended warranty protection, adding one year
- Up to $120 in Instacart credits
Who can get the offer: This credit card is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.
Source: Chase: United Explorer Card page
United Quest Card
Chase · Visa Signature · Personal card
- Annual fee
- $350
- Welcome offer
- Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP): 60,000 bonus miles + 500 PQP after you spend $4,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
- Foreign transaction fee
- None
What it earns
| 10x | eligible United flights (total miles) |
|---|---|
| 5x | prepaid Renowned Hotels stays |
| 4x | all other United purchases |
| 2x | travel, dining and select streaming services |
| 1x | all other purchases |
Airline benefits
- Free first and second checked bags for the primary cardmember and one companion
- Priority boarding
- $200 United TravelBank cash credit each year
- 10,000-mile award flight discount after each cardmember anniversary, and another after $20,000 in annual spend
- Two global Economy Plus upgrades after $40,000 in annual spend
- 1,000 bonus PQP a year, plus 1 PQP per $20 spent (up to 18,000 PQP a year)
- 25% back on inflight food, drinks and Wi-Fi and on United Club premium drinks
- Up to $120 Global Entry, TSA PreCheck or NEXUS credit every 4 years
Credits and travel cover
- Up to $150 Renowned Hotels, $100 rideshare, $80 Avis or Budget and $150 JSX credits a year
- Trip cancellation and interruption insurance up to $1,500 per traveler and $6,000 per trip
- Trip delay reimbursement up to $500 per traveler for delays of 12 hours or more
- Baggage delay insurance up to $100 a day for 3 days, and lost luggage reimbursement up to $3,000 per traveler
- Primary auto rental coverage up to $60,000
Shopping benefits
- Purchase protection for 120 days, up to $10,000 per item
- Extended warranty, adding one year
- Up to $180 in Instacart credits a year
Who can get the offer: This credit card is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.
Source: Chase: United Quest Card page
United Club Card
Chase · Visa Infinite · Personal card
- Annual fee
- $695
- Welcome offer
- Earn up to 90,000 bonus miles: 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months.
- Foreign transaction fee
- None
What it earns
| 11x | eligible United flights |
|---|---|
| 5x | all other United purchases |
| 5x | prepaid Renowned Hotels stays |
| 2x | travel and dining |
| 1x | all other purchases |
Airline benefits
- United Club membership, upgraded to All Access at Premier Gold status or after $50,000 in annual spend
- Free first and second checked bags for the primary cardmember and one companion
- Premier Access: priority check-in, security, boarding and baggage handling where available
- 10,000-mile award discount for each $20,000 spent, up to twice a year
- 1,500 bonus PQP a year, plus 1 PQP per $15 spent (up to 28,000 PQP a year)
- 25% back on inflight food, drinks and Wi-Fi and on premium drinks
- Up to $120 Global Entry or TSA PreCheck credit every 4 years
Credits and travel cover
- $200 Renowned Hotels, $150 rideshare (enrollment required), $100 Avis or Budget and $200 JSX credits a year
- Trip cancellation and interruption insurance up to $10,000 per person
- Trip delay reimbursement up to $500 per person
- Baggage delay insurance up to $100 a day for 3 days, and lost luggage reimbursement up to $3,000 per person
- Primary auto rental coverage up to $60,000
Shopping benefits
- Purchase protection for 120 days, up to $10,000 per item
- Return protection for 90 days, up to $500 per item
- Extended warranty, adding one year
- $240 in Instacart credits a year
Who can get the offer: This credit card is not available to either (i) current cardmembers of any United Club credit card, or (ii) previous cardmembers of any United Club credit card who received a new Cardmember bonus for this credit card within the last 24 months.
Source: Chase: United Club Card page
United Business Card
Chase · Visa Signature · Business card
- Annual fee
- $150
- Welcome offer
- Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an employee card in the first 3 months.
- Foreign transaction fee
- None
What it earns
| 8x | eligible United flights (total miles) |
|---|---|
| 2x | United purchases, gas stations, dining, office supply stores, local transit and rideshare |
| 1x | all other purchases |
Airline benefits
- Free first checked bag for the primary cardmember and one companion
- Two United Club one-time passes a year
- Priority boarding
- 1 PQP per $20 spent, up to 4,000 PQP a year
- Two continental US Economy Plus upgrades after $25,000 in annual spend
- Save 10% or more on award bookings (15% or more for Premier members)
- 25% back on inflight and United Club premium drink purchases
- 5,000-mile anniversary bonus when you also hold a personal United card
Credits and travel cover
- $125 United travel credit after five United flights of $100 or more
- Up to $100 United Hotels, $100 rideshare, $50 Avis or Budget, $100 JSX and $25 FareLock credits
- Trip cancellation and interruption insurance up to $1,500 per person and $6,000 per trip
- Trip delay reimbursement up to $500 per person for delays of 12 hours or more
- Baggage delay insurance up to $100 a day for 3 days, and lost luggage reimbursement up to $3,000 per traveler
- Primary auto rental collision coverage up to $60,000
Shopping benefits
- Purchase protection for 120 days, up to $10,000 per item
- Extended warranty, adding one year
- Up to $120 in Instacart credits ($10 a month)
Who can get the offer: This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months.
Source: Chase: United Business Card page
United Club Business Card
Chase · Visa · Business card
- Annual fee
- $695
- Welcome offer
- Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an employee card in the first 3 months.
- Foreign transaction fee
- None
What it earns
| 8x | eligible United flights (total miles) |
|---|---|
| 5x | Renowned Hotels and Resorts stays |
| 2x | all other United purchases |
| 1.5x | all other purchases |
Airline benefits
- United Club membership for the cardmember and one guest, upgraded to All Access at Premier Gold status or after $50,000 in annual spend
- Free first and second checked bags for the primary cardmember and one companion
- Premier Access: priority check-in, security, boarding and baggage handling where available
- 1 PQP per $15 spent, up to 28,000 PQP a year
- Two global Economy Plus upgrades after $40,000 in annual spend
- Save 10% or more on award bookings (15% or more for Premier members)
- 25% back on inflight food, drinks and Wi-Fi and on premium drinks
- 5,000 bonus miles a year when you also hold a personal United card
Credits and travel cover
- Up to $200 Renowned Hotels, $150 rideshare, $100 Avis or Budget, $200 JSX and $50 FareLock credits a year
- Trip cancellation and interruption insurance up to $10,000 per traveler and $20,000 per trip
- Trip delay reimbursement up to $500 per traveler for delays of 12 hours or more
- Baggage delay insurance up to $100 a day for 3 days, and lost luggage reimbursement up to $3,000 per traveler
- Primary auto rental coverage up to $60,000
Shopping benefits
- Purchase protection for 120 days, up to $10,000 per item
- Return protection up to $500 per item and $1,000 per 12 months
- Extended warranty, adding one year
- Up to $240 in Instacart credits a year
Who can get the offer: This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months.
Other ways to earn United MileagePlus miles
Chase Ultimate Rewards, Bilt Rewards and Marriott Bonvoy transfer points into United MileagePlus, so a general travel card can top up the same account. Ratios and timing are on the transfer partners table.
- How to earn United MileagePlus miles, including shopping, dining and partner earning.
- What United MileagePlus miles are worth and how to sell them.
- The complete guide to airline credit cards: every program, issuer rules, bonuses and benefits compared.
United MileagePlus credit card FAQ
- Which bank issues the United MileagePlus credit cards?
- Chase issues the US United MileagePlus cards: United Gateway Card, United Explorer Card, United Quest Card, United Club Card, United Business Card and United Club Business Card.
- What are the United MileagePlus card welcome offers?
- As read on the issuers' pages on September 23, 2026: United Gateway Card, Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months (up to 40,000 miles); United Explorer Card, Earn up to 60,000 bonus miles: 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months; United Quest Card, Earn up to 70,000 bonus miles + 500 Premier qualifying points (PQP): 60,000 bonus miles + 500 PQP after you spend $4,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months; United Club Card, Earn up to 90,000 bonus miles: 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an authorized user in the first 3 months; United Business Card, Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an employee card in the first 3 months; United Club Business Card, Earn up to 110,000 bonus miles + 2,000 Premier qualifying points (PQP): 100,000 bonus miles + 2,000 PQP after you spend $5,000 on purchases in the first 3 months, plus 10,000 bonus miles after you add an employee card in the first 3 months. Offers change often, so check the issuer's page before applying.
- How much is the annual fee on the United MileagePlus cards?
- United Gateway Card: $0. United Explorer Card: $0 intro annual fee for the first year, then $150. United Quest Card: $350. United Club Card: $695. United Business Card: $150. United Club Business Card: $695.
- Which United MileagePlus card includes lounge access?
- United Club Card and United Club Business Card include lounge membership. The full lounge terms are on each card's section of this page.
- Which United MileagePlus cards come with a free checked bag?
- United Gateway Card, United Explorer Card, United Quest Card, United Club Card, United Business Card and United Club Business Card. The exact rules (how many bags, who travels with you, which flights) are listed under each card.
Other airline cards
Sources
- Chase: United credit cards · official page
- Chase: United Gateway Card page · official page
- Chase: United Explorer Card page · official page
- Chase: United Quest Card page · official page
- Chase: United Club Card page · official page
- Chase: United Business Card page · official page
- Chase: United Club Business Card page · official page