Compare United Credit Cards
Compare United Credit Cards side by side based on how much you spend per month/year across the card, the cash value of card benefits, and annual fees.
United Airlines has a total of five credit cards which consists of 3 personal cards and 2 business cards all offered by Chase Bank. Each card earns rewards redeemable with United and has it's own perks & benefits.
The calculator on this page will allow you to compare United credit cards side by side each other based on your spend, the cash value of the card benefits, and annual fees. If you want to compare United credit cards against non-United cards, you'll need to visit a credit card's specific United Miles Calculator.
Chase 5/24 Rule
All United credit cards are offered by Chase Bank which means they fall under Chase's 5/24 rule. In short, this means that if you have opened more than 5 new credit card accounts within the last 24 months (2 years), you will more than likely not be approved for a Chase credit card. This includes personal Chase cards as well as personal cards opened at other banks.
If you're not sure of how many new accounts you've opened, you can sign up for a free Credit Karma account. It will show you how many new accounts you've opened and you can use that to see if you fall under Chase's 5/24 rule.
United Credit Cards Perks & Benefits
Listed below are brief details on each United credit card. You can click on the card to be taken to it's page to learn the in-depth details about the card including a breakdown of bonus categories, perks & benefits, standard sign up bonuses, and annual fees. Each card also has it's own specific United Miles Calculator that you can use to compare the cash value against the hundreds of cards featured on the site. Remember that the calculator on this page will only allow you to compare United credit cards against other United credit cards.
United Explorer Card
The United Explorer Card is United's entry level credit card. If you're looking to earn on a steady stream of United Miles across a few categories and want a few benefits when flying United such as a free checked bag, this is the card to grab up.
Explorer Card Benefits:
- 2x Miles on United Spend
- 2x Miles on Restaurant Spend
- 2x Miles on Hotel Spend
- First Checked Bag Free
- 2 Annual Club Passes
- Priority Boarding
- Global Entry / TSA PreCheck Credit
- 25% Off In-Flight Purchases
- Travel & Purchase Coverage
United Club Infinite Card
The United Club Infinite Card is a premium credit card that has a high annual fee of $525. If you're looking to gain access to United Club Lounges, this fee is well worth it since membership will normally cost you $650 per year if you do not have it. The card offers the highest earnings on United spend as well as offers a bunch of other benefits that can make the card worth it for those that consistently fly United Airlines.
Club Infinite Benefits
- 4x Miles on United Spend
- 2x Miles on Dining Spend
- 2x Miles on Travel Spend
- United Club Membership
- Hertz President's Circle
- Premier Access
- 2 Checked Bags Free
- Global Entry / TSA PreCheck
- 25% Off In-Flight Purchases
- Luxury Hotel & Resort Collection
- Travel & Purchase Coverage
United TravelBank Card
The United Gateway Card is the no-annual fee card in the United family. It earns a solid 2x miles across multiple categories, offers 25% off in-flight purchases, and comes with some good travel insurance and purchase protection. It's a popular downgrade choice for many that don't need the perks of the Explorer and Club Card, but still want to receive a few additional benefits.
Gateway Card Benefits
- 2x Miles on United Spend
- 2x Miles on Gas Station Spend
- 2x Miles on Transit
- 25% Off In-Flight Purchases
- Luxury Hotel & Resort Collection
- Travel & Purchase Coverage
United Business Card
The United Business Card is the entry level business card for United. It earns a great return across several categories as well as offers several great benefits to the primary cardholder such as a free checked bag, priority boarding, and more. Do note that employee cards will not receive most of the benefits offered on the card, but they can help you build United Miles running spend through the card.
United Business Card Benefits
- 2x Miles on United Spend
- 2x Miles on Restaurant Spend
- 2x Miles on Office Supply Store Spend
- 2x Miles on Transit/Commute Spend
- Free Checked Bag
- Priority Boarding
- 2 United Club Passes Annually
- $100 United Travel Credit w/ Spend
- Anniversary Points
- 25% Off In-Flight Purchases
- Luxury Hotel & Resort Collection
- Travel & Purchase Coverage
United Club Business Card
The United Club Business Card is the business version of the personal United Club Card. It offers United Club Membership, complimentary elite status with Hertz, two free checked bags, a nice return on non-category spend, and much more. With the Club Card being revamped in early 2020, it's a chance that chances to this card may be coming up soon.
United Club Business Card Benefits
- 2x Miles on United Spend
- 1.5x Miles on Other Spend
- United Club Membership
- Hertz President's Circle
- Premier Access
- 2 Checked Bags Free
- 25% Off In-Flight Purchases
- Luxury Hotel & Resort Collection
- Travel & Purchase Coverage
Comparison Calculator
Rewards and Card Value Comparison Calculator
You can use this rewards comparison calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the cards based on rewards earned and how much each benefit is worth to you minus the fees. You'll be able to change the cards in both columns with this calculator.
All category spend entered in the first column will carry over to all credit card pages on the site. This means you don't have to re-enter the same information over again. You can use the Copy functions under the Options menu within the Categories & Bonuses section.
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