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Offers for the United Club℠ Business Card are not available through this site. Some offers may have expired. Please see our card marketplace for available offers
The United portfolio includes a card for every type of flyer and budget. There’s everything from a no-annual-fee option with useful benefits to premium cards offering unlimited United Club access. Beyond earning United miles, these cards can enhance your travel experience with benefits like preferred boarding and free checked bags. Some even let you earn Premier Qualifying Points through spending.
And if you're in the market for one, now’s an ideal time to apply. We’re seeing elevated offers across most of the lineup, with bonuses of up to 100,000 miles and up to 3,000 PQP after meeting the minimum spending requirements.
Let’s take a look at the current United MileagePlus card offers to help you find the right fit for your wallet, especially since having one of these cards will be all but necessary once the new MileagePlus changes roll out in early April.
$0 intro annual fee for the first year, then $150Rates & Fees
- 2X miles per $1 spent on purchases from United®
- 2X miles per $1 spent on dining and hotel stays when booked with the hotel
- 1X mile per $1 spent on all other purchases
$350Rates & Fees
- 5 miles per $1 spent at Renowned Hotels and Resorts
- 3 miles per $1 spent on United® purchases
- 2 miles per $1 spent on all other travel
- 2 miles per $1 spent at restaurants
- 2 miles per $1 spent on select streaming services
- 1 mile per $1 spent on all other purchases
$150Rates & Fees
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
Page Contents
- United℠ Explorer Card: Earn 70k Bonus Miles
- United Quest℠ Card: Earn 80k Bonus Miles and 3k PQP
- United℠ Business Card: Earn 100k Bonus Miles and 2k PQP
- United Club℠ Business Card: Earn 100k Bonus Miles and 2k PQP
- United Gateway℠ Card: Earn 30k Bonus Miles
- United Club℠ Card: Earn 90k Bonus Miles
- Who’s Eligible for These United Card Welcome Offers?
- Bottom Line
United℠ Explorer Card: Earn 70k Bonus Miles
The Goldilocks United card for most travelers is the United℠ Explorer Card (Rates & Fees). It charges a $0 intro annual fee for the first year, then $150, giving you a full year to take the card for a test drive and see if its benefits match your travel style before paying an annual fee in the second year.
New applicants can earn 70,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- Earn 70,000 bonus miles
- $0 introductory annual fee for the first year, then $150
- 2x miles on United® purchases, dining, and hotel stays when booked with the hotel
- Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
- Priority boarding on United® flights
- 2 United Club one-time passes per year - over a $100 value
- Over $500 in partner credits each year
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- Member FDIC
- 2X miles per $1 spent on purchases from United®
- 2X miles per $1 spent on dining and hotel stays when booked with the hotel
- 1X mile per $1 spent on all other purchases
United Explorer Card feature benefits
- $0 intro annual fee for the first year, then $150.
- Free first checked bag for you and a companion on the same reservation when flying United (if you paid for the flight with this card).
- Preferred boarding on United and United Express flights.
- Receive up to $120 as a statement credit against your application fee for Global Entry, TSA PreCheck, or NEXUS (available once every four years).
- Partner statement credits include perks like a United Hotels credit ($50 each half of the year), JSX credits (up to $100), rideshare credits ($5 per month), and more.
- 25% back on food, beverage, and Wi-Fi purchases on United flights.
- No foreign transaction fees.
- Built-in insurance benefits include primary rental car insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, trip cancellation/interruption insurance, purchase protection, and extended warranty.
- Access to additional award space for booking flights with your United miles.
Plus, you'll earn 1 Premier Qualifying Point (PQP) for each $20 spent on the card in a calendar year — up to a maximum of 1,000 PQPs each year. That's a great way to boost your United Premier elite status.
Related: United Explorer Card Full Review
United Quest℠ Card: Earn 80k Bonus Miles and 3k PQP
For those who want more United benefits at a mid-tier price point, look no further than the United Quest℠ Card (Rates & Fees). For a $350 annual fee, you’ll get up to two free checked bags, an annual 10,000-mile award flight discount, and a lot more.
New applicants can earn 80,000 bonus miles and 3,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
- Earn 80,000 bonus miles and 3,000 PQP
- 3x miles on United® purchases
- 2x miles on dining, select streaming services, and all other travel
- 1x mile on all other purchases
- Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 8 weeks of February 1, starting in the calendar year following your account open date.
- Free first and second checked bags--a savings of up to $360 per roundtrip (terms apply)
- Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
- Earn a 10,000-mile eligible award flight discount after spending $20,000 each calendar year
- Member FDIC
- 5 miles per $1 spent at Renowned Hotels and Resorts
- 3 miles per $1 spent on United® purchases
- 2 miles per $1 spent on all other travel
- 2 miles per $1 spent at restaurants
- 2 miles per $1 spent on select streaming services
- 1 mile per $1 spent on all other purchases
United Quest Card feature benefits
- $350 annual fee.
- Free first and second checked bags for you and a companion on the same reservation when flying United (if you paid for the flight with this card).
- Preferred boarding on United and United Express flights.
- Receive up to $120 as a statement credit against your application fee for Global Entry, TSA PreCheck, or NEXUS (available once every four years).
- Partner statement credits include perks like a JSX credit ($150 annually), rideshare credits ($8 per month from January through November, plus $12 in December), a Renowned Hotels & Resorts credit ($150 per year), and more.
- 25% back on food, beverage, and Wi-Fi purchases on United flights.
- Receive $200 in United TravelBank credit each year
- Cardholders with United Premier elite status are eligible for premier upgrades on award tickets, available for you and a companion on the same reservation.
- Receive a 10,000-mile award flight discount deposited annually after the cardmember anniversary.
- No foreign transaction fees.
- Built-in insurance benefits include primary rental car insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, trip cancellation/interruption insurance, purchase protection, and extended warranty.
- Access to additional award space for booking flights with your United miles.
Plus, you'll earn 1 Premier Qualifying Point (PQP) for each $20 spent on the card in a calendar year, up to a maximum of 18,000 PQPs each year. That can mean significant progress toward elite status.
Related: United Quest Card Full Review
United℠ Business Card: Earn 100k Bonus Miles and 2k PQP
The United℠ Business Card (Rates & Fees) is a great card for business owners who value United benefits but don’t want to commit to a large annual fee. This card charges a $150, giving you ample time to test drive its perks, such as two one-time United Club visit passes each year, a free checked bag, and more.
New applicants can earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- $150 Annual Fee.
- 2x miles on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
- 1x mile 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.
- 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.
- Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
- Receive a $125 United travel credit after making 5 United® flight purchases of $100 or more each calendar year with your United℠ Business Card.
- Member FDIC
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
United Business Card feature benefits
- $150 annual fee.
- Additional employee cards at no additional cost.
- Two one-time United Club visit passes each year.
- Free first checked bag for you and a companion on the same reservation when flying United (if you paid for the flight with this card).
- Preferred boarding on United and United Express flights.
- Eligible to enroll for complimentary Avis President's Club® status.
- Partner statement credits include perks like a JSX credit ($100 annually), rideshare credits ($8 per month from January through November, plus $12 in December), a United Hotels credit ($50 each half of the year), and more.
- 25% back on food, beverage, and Wi-Fi purchases on United flights.
- 5,000 bonus miles each year you hold this card and a personal United credit card.
- Earn a $125 United travel credit each year in which you make five or more United purchases of $100 or more each.
- Cardholders with United Premier elite status are eligible for premier upgrades on award tickets, available for you and a companion on the same reservation.
- No foreign transaction fees.
- Access to the Luxury Hotel & Resort Collection.
- Built-in insurance benefits include primary rental car insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, trip cancellation/interruption insurance, return protection, purchase protection, and extended warranty.
- Access to additional award space for booking flights with your United miles.
In addition, you'll earn 1 Premier Qualifying Point (PQP) for each $20 spent on the card in a calendar year — up to a maximum of 4,000 PQPs each year. That's a great way to boost your United Premier elite status.
Related: United Business Card Review
United Club℠ Business Card: Earn 100k Bonus Miles and 2k PQP
United’s top-tier card for business owners is the United Club℠ Business Card, which carries a $695 annual fee. It comes with plenty of valuable perks, including a United Club membership (valued at $750), up to two free checked bags, and up to hundreds of dollars in partner statement credits.
New applicants can earn 100,000 bonus miles plus 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
United Club Business Card feature benefits
- $695 annual fee.
- Built-in United Club membership, which can cost up to $750 annually if you buy a membership directly.
- Free first and second checked bags for you and a companion on the same reservation when flying United (if you paid for the flight with this card).
- Preferred boarding on United and United Express flights.
- Up to $120 as a statement credit for your Global Entry, TSA PreCheck, or NEXUS application fee once every four years.
- 25% back on food, beverage, and Wi-Fi purchases on United flights.
- Partner statement credits include perks like a JSX credit ($200 annually), rideshare credits ($12 per month from January through November, plus $18 in December), a Renowned Hotels & Resorts credit (up to $200), and more.
- Cardholders with United Premier elite status are eligible for premier upgrades on award tickets, available for you and a companion on the same reservation.
- No foreign transaction fees.
- Complimentary Avis President's Club elite status.
- Built-in insurance benefits include primary rental car insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, trip cancellation/interruption insurance, travel accident insurance, purchase protection, and extended warranty.
- Access to additional award space for booking flights with your United miles.
Plus, you'll earn 1 Premier Qualifying Point (PQP) for each $15 spent on the card in a calendar year — up to a maximum of 28,000 PQPs each year. That's a great way to boost your United Premier elite status.
Related: United Club Business Card Full Review
United Gateway℠ Card: Earn 30k Bonus Miles
Even though it doesn't have an elevated offer at the momement, there's still a lot to like about the no annual fee United Gateway℠ Card (Rates & Fees). This card offers an easy way to earn United miles without paying an annual fee, offers 25% savings on inflight purchases, and doesn't impose foreign transaction fees.
New applicants can earn 30,000 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 (then, a Variable APR of 19.74% - 28.24% will apply).
- Earn 30,000 bonus miles
- 0% intro APR for the first 12 months from account opening on purchases & no annual fee.
- 2x miles on United® purchases
- 2x miles at gas stations, on local transit and commuting
- 1x mile 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
- Earn 2 checked bags after you spend $10,000 in a calendar year
- Member FDIC
- 2 miles per $1 spent on United® purchases
- 2 miles per $1 spent at gas stations, on local transit and commuting
- 1 mile per $1 spent on all other purchases
United Gateway Card feature benefits
- $0 annual fee.
- 25% back on food, beverage, and Wi-Fi purchases on United flights.
- No foreign transaction fees.
- Built-in insurance benefits include primary rental car insurance (when renting outside the U.S.), trip cancellation/interruption insurance, purchase protection, and extended warranty.
- 0% introductory APR on purchases for the first 12 months from account opening, then a Variable APR of 19.74% - 28.24%.
- Access to additional award space for booking flights with your United miles.
Related: United Gateway Card Full Review
United Club℠ Card: Earn 90k Bonus Miles
Last but not least, we’ve got United’s most premium card for personal use: the United Club (Rates & Fees). This card doesn’t have an elevated offer (though it still has a solid one), but it does include a United Club membership (valued at $750), Premier Access travel services, and more.
New applicants can earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
- Earn 90,000 bonus miles
- 4x miles on United® purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
- United Club℠ card membership - at least a $750 value
- Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply)
- Premier Access® travel services
- Earn up to 20,000-miles in award flight discounts annually
- Member FDIC
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining
- Earn 1 mile per $1 spent on all other purchases
United Club feature benefits
- $695 annual fee.
- Built-in United Club membership, which can cost up to $750 annually if you buy a membership directly.
- Free first and second checked bags for you and a companion on the same reservation when flying United (if you paid for the flight with this card).
- Preferred boarding on United and United Express flights.
- Up to $120 as a statement credit for your Global Entry, TSA PreCheck, or NEXUS application fee once every four years.
- 25% back on food, beverage, and Wi-Fi purchases on United flights.
- Partner statement credits include perks like a JSX credit ($200 annually), rideshare credits ($12 per month from January through November, plus $18 in December), a Renowned Hotels & Resorts credit (up to $200), and more.
- Cardholders with United Premier elite status are eligible for premier upgrades on award tickets, available for you and a companion on the same reservation.
- No foreign transaction fees.
- Complimentary IHG One Rewards Platinum Elite status.
- Complimentary Avis President's Club elite status.
- Built-in insurance benefits include primary rental car insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, trip cancellation/interruption insurance, travel accident insurance, purchase protection, and extended warranty.
- Access to additional award space for booking flights with your United miles.
Plus, you'll earn 1 Premier Qualifying Point (PQP) for each $15 spent on the card in a calendar year — up to a maximum of 28,000 PQPs each year. That's a great way to boost your United Premier elite status.
Related: United Club Full Review
Who’s Eligible for These United Card Welcome Offers?
If you have or had one of these cards recently, you may be ineligible for a bonus on that same card. You'll find this language in each card's application terms:
“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.”
However, there is no restriction on applying for one of these cards if you hold other United credit cards. That means you can get the United Gateway Card if you have the United Explorer Card or United Quest Card, for example.
Like all Chase cards, United cards are subject to Chase’s 5/24 policy. If you’ve opened five or more personal credit cards in the previous 24 months, you likely won't be approved for this card. Additionally, Chase doesn't tend to approve anyone for more than two personal credit cards within 30 days or more than one business card within 90 days.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Bottom Line
No matter how often you fly United, there’s a good chance you can find a MileagePlus credit card that can go to work for you. These cards offer great benefits at a range of price points, and now’s an excellent time to apply, given that most of them are featuring elevated offers.
Just to recap, here are the current offers on United’s personal cards:
- United Gateway Card: Earn 30,000 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.
- United Explorer Card: Earn 70,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
- United Quest Card: Earn 80,000 bonus miles and 3,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
- United Club: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
$0 intro annual fee for the first year, then $150Rates & Fees
- 2X miles per $1 spent on purchases from United®
- 2X miles per $1 spent on dining and hotel stays when booked with the hotel
- 1X mile per $1 spent on all other purchases
$350Rates & Fees
- 5 miles per $1 spent at Renowned Hotels and Resorts
- 3 miles per $1 spent on United® purchases
- 2 miles per $1 spent on all other travel
- 2 miles per $1 spent at restaurants
- 2 miles per $1 spent on select streaming services
- 1 mile per $1 spent on all other purchases
$695Rates & Fees
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining
- Earn 1 mile per $1 spent on all other purchases
And here’s what’s available on United’s business cards:
- United Business Card: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
- United Club Business Card: 100,000 bonus miles plus 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open.
$150Rates & Fees
- 2x on United® purchases
- 2x on local transit and commuting — including train tickets, taxicabs, mass transit, tolls and ride share services
- 2x at gas stations, restaurants and office supply stores
- 1x on all other purchases
$695
Like all elevated offers, these won’t stick around forever. So, if you’re in the market for a United card, now’s a great time to apply.
Starting April 2, 2026, the miles you earn on United flights will be directly tied to whether you hold a United credit card and your level of elite status. Learn more about what’s changing.
For rates and fees of the cards mentioned in this post, please visit the following links: United℠ Explorer Card (Rates & Fees), United Quest℠ Card (Rates & Fees), United℠ Business Card (Rates & Fees), United Gateway℠ Card (Rates & Fees), and United Club℠ Card (Rates & Fees)
