Which Credit Card Points Transfer To United?

Explore United credit card transfer partners and use our calculator to see which points will earn you the most United miles based on your spending habits.

Written By: Robert Flowers III

Updated On: 10-25-2024

Quick Overview

There are over 20 United credit card transfer partners available across 9 travel rewards programs, allowing you to earn United miles easily.
Top United credit card transfer partners include Chase Ultimate Rewards and Bilt Rewards, both offering 1:1 transfers to United miles.
Marriott Bonvoy is another solid partner, offering a 3:1 transfer rate plus a 10,000-mile United bonus for every 60,000 points transferred.

This page lists all major United credit card transfer partners and shows the conversion rates of partner credit card rewards to United Miles. Use our calculator to determine which United credit card transfer partners will earn you the most miles based on your monthly spending.

United credit card transfer partners

Chase Ultimate Rewards credit cards

Chase offers three credit cards that you can use to earn Ultimate Rewards points transferable to United MileagePlus. Each card offers excellent travel insurance and the ability to redeem points for high value towards travel booked through the Chase Travel portal — which is an excellent alternative option for redeeming your points.

Points earned with Ultimate Rewards credit cards can be transferred to United at a 1:1 rate meaning that every 1,000 Chase points you convert will give you 1,000 United miles.

Here are the Ultimate Rewards credit cards that allow you to transfer points to United:

Bilt Rewards credit cards

The Bilt Rewards program is most known for being able to pay your rent and mortgage using the Bilt Mastercard with no transaction fee. This is something you can't do with other leading rewards programs and is an easy way to earn lots of points transferable to United and other partners.

In addition to that, Bilt Rewards also makes it easy to earn additional points by just spending with local partners around the neighborhood, regardless of whether you have their Mastercard or not. It the icing on the cake is that the program is free to sign up for and the Mastercard has no annual fee!

Bilt Rewards points can be transferred to United at a 1:1 rate. Every 1,000 Bilt Rewards points you transfer will give you 1,000 United miles.

Here is the credit card Bilt offers:

Marriott Bonvoy credit cards

Marriott Bonvoy offers a large handful of co-branded credit cards that you can use to earn Marriott Bonvoy points. These points can be converted into United miles at a 3:1.1 ratio meaning that every 3,000 Marriott Bonvoy points you transfer will give you 1,100 United miles.

On top of that, Marriott throws in a bonus 15,000 points for every 60,000-point transfer done in a single transaction. This will net you an additional 5,500 United Miles.

If you frequent Marriott's hotels, it will be well worth it to pick up at least one of Marriott's co-branded credit cards. Not only do they offer great benefits, but their cards offers up to 6X points per $1 spent at Marriott brand properties which is equal to 2.2 United miles.

You'll also earn even more points per $1 spent due to the base earning rate of 10X points at most of their properties and up to a 75% bonus based on your status in the program.

Here are the credit cards you can use to earn Marriott Bonvoy points transferable to United:

Other United credit card transfer partners

United miles can also be earned with a handful of other hotel rewards programs. Points transferred from these programs will not earn you much, but it's still an additional route to boosting your United miles balance.

Choice Hotels points earned with Choice Privileges credit cards can be transferred to United at a 5:1 ratio. Every 5,000 Choice Hotels points you convert will give you 1,000 United miles.

Here are the credit cards Choice offers:

World of Hyatt points earned with Hyatt's lineup of credit cards can be transferred to United at a 2.5:1 ratio which means every 2,500 Hyatt points you convert will give you 1,000 United miles. You will also receive 5,000 bonus United miles for every 50,000 Hyatt points you transfer.

Here are the credit cards Hyatt offers:

Hilton Honors points earned with Hilton's credit cards can be transferred to United at a 10:1 rate. Every 10,000 Hilton Honors points you convert will give you 1,000 United miles.

Here are Hilton's co-branded credit cards:

IHG One Rewards points earned with IHG's co-branded credit cards can be transferred to United at a 5:1 rate. Every 5,000 IHG points you convert will give you 1,000 United miles.

Here are IHG's co-branded credit cards:

Wyndham Rewards points earned with Wyndham's credit cards can be transferred to United at a 5:1 rate. Every 5,000 Wyndham Rewards points you convert will give you 1,000 United miles.

Here are the credit cards Wyndham offers:

Drury Rewards points earned with Drury's co-branded credit card can be transferred to United at a 5:1 rate. Every 5,000 Drury points you convert will give you 1,000 United miles.

Here are the credit cards Drury offers:

United credit cards

If you fly United frequently and you're looking for some very valuable benefits, consider picking up one of United's own co-branded credit cards. They offer great intro bonuses that can net you a large sum of miles.

Here are the credit cards United offers:

What's the best credit card for United miles?

Input your monthly and yearly spend amounts into our credit card finder tool to find out which credit cards will earn you the most United miles and best return per $1 spent.

Results will include all co-branded United credit cards and all United credit card transfer partners. Results will show up to the top 20 cards.

Want More Customization?

This calculator uses our valuations, the intro bonuses we have in the database, and includes the maximum (calculable) bonuses for each card. If you want to have control over these options and much more, check out this tool:

Rewards Credit Card Directory & Calculator: United Miles

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

Currency Controls

Currencies

Sections of the calculator allows you to choose a currency. You will be able to choose from the options below. If you want more options, add them!

Currency Conversions

This site's currency rates update once per hour. If you have a different exchange rate in mind for any of the added currencies, you can change the rate here.

Calculator Options

Year 1 or Year 2+?

Year 1 - Calculate how much you will earn in your first year of being a cardmember. Includes Intro Bonuses (if toggled on) and will use the free or reduced first year annual fees for any cards that have them.

Year 2+ - Calculate how much the card will be worth the 2nd year and onward. Automatically turns off intro bonuses and will ignore first year free/reduced annual fees.

Include Intro Bonuses?

If set to yes, intro bonuses will be included for a card's calculation ONLY IF you have met the monthly spend criteria based on what's entered into the tool.

Note: We do not have intro bonuses for all credit cards (mainly partners and popular credit cards), and we cannot calculate intro bonuses for some cards due to the complexity of some spend requirements.

Rewards Value

Input how much you value Rewards. This will be the value used in the calculator. Leave it blank if you want to use our valuation.

$0.0000 per point

Authorized Users

Some banks charge an additional fee to add family, friends, or employees to the credit card account. If you plan on adding authorized users to your credit card(s), you can enter that amount here.

Note: Some credit cards have a cap on how many authorized users you can add. While we do keep track of the fee structures, we do not keep track of caps. So be sure to check the rates and fees before applying.

Max of 100.

Income Maximum

Select if you're looking for credit cards based on your own individual income or if you're looking for credit cards based on the income of the entire household -AND- select the maximum income requirement you want listed in the results.

Income Type

Income Amount

Calculate Foreign Transaction Fees?

Many cards will charge you a foreign transaction fee when making purchases in a foreign currency. This is typically between 2.5% and 3% for most credit cards.

If set to yes, we will calculate the estimated fee for any spend entered into the calculator that is considered foreign. This amount will appear in the calculations as well.

Note: We do not have the foreign transaction fee rates for all credit cards.

Monthly/Yearly Spending

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Results Will Appear Here

No Results. This is usually due to:

There's no good card options based on the spend entered.
The calculator is having a brain-fart and is not calculating rewards properly.

Enter different values or try again later.

Results

Listed below are the results based on what you entered into the tool above. These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card.

You can click on "Show Calculations" to see a breakdown of how the rewards were calculated, click on the card itself to learn more/apply through our partners (big thanks if you do!), or click on any of the other links to learn more about the card and it's rewards.

Do note that some of the calculations are rounded so it is possible that the estimated values may be off by a point or two when added up.

Remember that this particular tool uses our point/mile valuations, the intro bonuses we have in the database, and includes the maximum (calculable) bonuses for each card. If you want to have control over these options and much more, slide over to the Rewards Credit Card Directory & Calculator.

These calculations should be used for illustrative purposes only.

FAQ

What partner credit cards can be used to earn United miles?

You can earn United miles with co-branded United credit cards and partner cards, including Chase Ultimate Rewards, Bilt Rewards, and several co-branded hotel credit cards.

Is United a transfer partner for Capital One?

No, United is not a transfer partner for Capital One. However, you can use Capital One miles to book United flights by transferring miles to Star Alliance partners, booking through Capital One Travel, or redeeming miles for United purchases on your Capital One card.

Is United a Chase transfer partner?

Yes, United is a Chase transfer partner. You can transfer Chase Ultimate Rewards points to United MileagePlus at a 1:1 rate, meaning 1,000 Chase points equals 1,000 United miles.

Is United a transfer partner of AMEX?

No, United is not a transfer partner of American Express. However, you can use AMEX Membership Rewards points to book United flights through the AMEX Travel portal or by transferring points to United's Star Alliance partners.

Earn points paying rent with no transaction fee using the Bilt Mastercard®.

Redeem points towards future rent payments or transfer them to airline and hotel loyalty programs.

Earn status with Bilt Rewards and get treated like a VIP in your neighborhood with bonus points and access to exclusive benefits at local restaurants, fitness studios, and more.

Learn more