United Explorer United Explorer Business United Club Infinite United Clu

Compare United Credit Cards

Side By Side Comparison Calculators

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 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

United Club Infinite Card 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

United Club TravelBank Card United TravelBank Card

The United TravelBank Card is a unique United credit card that earns United TravelBank Cash. TravelBank Cash can only be redeemed towards United flights which makes it pretty restrictive. The main plus to the TravelBank Card is that it earns a 1.5% return on all non-category spend which can make it the better option over earning 1 United Mile in most cases.

TravelBank Card Benefits

  • 2% TravelCash on United Spend
  • 1.5% TravelCash on Other Spend
  • 25% Off In-Flight Purchases

United Business Card 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

United Club Business Card 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

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.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
$0
Total Return
The percent you are earning based on spend, earnings, and fees.

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