Best Credit Cards For United Miles | The Point Calculator

Best Credit Cards For

United Miles

United Airlines

Get a list of the best credit cards for earning United Miles with United Airlines based on your monthly spend across different categories.

United offers five credit cards which consists of three personal cards and two business cards that can earn you United Miles on everyday spend. You can also earn miles by transferring rewards from partner programs directly into your MileagePlus account.

United Airlines Transfer Partners

You can earn United Miles by transferring rewards to your account from the programs listed in the table below. The calculator will output the equivalent amount of points/miles needed in the partner programs to equal the amount of United Airlines Miles you specified in the field.

Ultimate Rewards Credit Cards

If you're not looking for the benefits offered on United credit cards or you want to earn more miles spending in other categories outside of United, there's several Ultimate Rewards credit cards to choose from.

The Chase Ink Business Preferred and the premium Chase Sapphire Reserve are top of the crop if you want to earn 3x on general travel spend which includes airfare, hotels, car rentals, transit, tolls, and parking. You'll earn a bunch of other benefits with the Chase Sapphire Reserve including 10x on Lyft spend and 3x on dining spend, $300 in annual travel credit, superb travel and purchase protections, and many other elite travel perks. The Chase Ink Business Preferred isn't a premium card, but you'll still receive 3x across several other categories such as internet, cable, and shipping along with 5x on Lyft spend.

If you end up grabbing an Ultimate Rewards credit card, be sure to pair it with one of Chase's 1.5% cash back cards. When paired, you can convert Chase cash back into Chase Ultimate Rewards Points at a 1 cent to 1 point ratio. That means every $1 ran across the Chase Freedom Unlimited or Chase Ink Business Unlimited would earn you 1.5 Ultimate Rewards Points which equals 1.5 United Miles once transferred.

Best Credit Card Options

The best options when it comes to earning United Miles will be a combination between United Credit Cards and Chase Ultimate Rewards Credit Cards.

United Credit Cards

The United Explorer Card and United Business Card are the entry level personal and business cards for United. They both earn a decent amount of United Miles across several categories, grant a free checked bag, complimentary United Club passes, in-flight savings, and more. Do note that in order to receive the free checked bag, you will need to use the card to pay for your United airfare ticket.

If you want a premium card with United, the United Club Infinite or United Business Club Card are your options. The United Club Infinite features a whopping 4x earning on United Airlines spend along with double miles on dining and travel spend, United Club membership, complimentary Hertz President Circle status, two free checked bags, and other useful benefits. Unlike the United Club Infinite, the United Business Club Card has not received a refresh in awhile, but that doesn't mean it's a bad choice. It earns your standard double United Miles on United Airlines purchases along with 1.5 United Miles per $1 on all other purchases which is nice. You'll also receive United Club Membership, complimentary Hertz President Circle status, two free checked bags, and much more.

The United TravelBank Card sits in a corner by itself. It earns 2% TravelBank Cash which is cash back redeemable only towards United flights. The best benefits of this card is that it has no annual fee, earns 1.5% TravelBank Cash on all other purchases, and still offers 25% off on in-flight purchases.

Best Credit Card Calculator

This calculator will give you a list of the best credit cards for earning rewards based on your monthly, yearly, or quarterly spend across different categories. Results will include credit cards that earn the rewards directly and credit cards that earn rewards that are transferable to your rewards account.

Credit Card Search Types

Best Cards By Estimated Return - Get a list of credit cards that gives you the best return. This is based on spend, currency value, annual credits, and annual fees.

Best Cards By Total Points - Get a list of credit cards that earns you the most points/miles based on spend. Currency value, annual credits, and annual fees are not factored into this search. Great for those who get waived fees (i.e. military).

After your results are displayed, I recommend clicking on a card's Rewards Calculator. This allows you to come up with a more accurate number by adjusting the cash value of perk, being able to calculate spend bonuses & other savings, add in sign up bonuses, toggle annual fees and authorized user fees, and much more. You'll also be able to compare the results side by side any credit card featured on the site!

Click on Rewards Calculator to compare credit cards side by side based on spend, benefits, and fees. You can also change any credit card to reflect transfer partner ratios (when applicable).

Add/Remove Categories

Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can click Add/Remove Categories to adjust the listed categories. You can hit Calculate to calculate the results of your spend against all cards in the database.

Currency Value

You can input how much you value the currency per cent and the results will give you the estimate return based on spend, value, annual credits, and annual fees. This field has no effect on the Best Cards By Total Points search.
Input X.XXX cents or $0.0XXXX.

Bank (Holder)

The bank issuing the card. [Populates After Search]


The network the card is tied to. [Populates After Search]

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, and bank rewards cards. [Populates After Search]


Toggle switch for displaying personal and business cards. Mixed/Combos are pairs of 2 or more cards such as the AMEX Trifecta, Chase Trifecta and others. They can consist of a mix of personal and business cards.

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar (or local currency) when you use the card outside of it's region.


Do note that results may take a few seconds to generate after doing a search. For more accurate results, I recommend using the Rewards Calculator. Some credit cards may appear in this list more than once if there's more than one path to transferring rewards.
Results Will Appear Here

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Page Last Updated: 2020-04-03
Article By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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