Which United Airlines Credit Card Is Best?
26 Minute Read
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Current Offer
75,000
bonus miles + 1,000 Premier qualifying points (PQP)
after you spend $5,000 on purchases in the first 3 months your account is open
Annual Fee: $450
Terms Apply.
No Foreign Transaction Fees
How to Earn Rewards
2X
on United flights when purchased entirely with the United Club Business Card.
2X
miles on all other eligible United purchases
1.5X
hotel stays booked through United Hotels with the United Club Business Card.
1.5X
miles on all other purchases
Benefits
Free first and second checked bags. The primary cardmember and one companion can each check a first and second standard bags for free.
United Club℠ membership – up to a $650 value per year. United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks. Before you fly, you, as the primary cardmember, and your eligible travel companions will enjoy access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.
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 United Club Business Card.
Our Take
The United Club℠ Business Card is issued by Chase and is one of two co-branded United Airlines business credit cards. This one differs from the other business credit card offered by United in terms of its United Club℠ access and other benefits, but the points earning rate on United flights is the same. This card offers United Club membership, whereas the United℠ Business Card only offers two one-time passes per year, so if you plan to frequent United Clubs, you may want to opt for this card.
The earnings rate on United flights listed for this card doesn’t include the additional 5X points you’ll earn as a MileagePlus member, meaning you’ll earn a total of 7X miles on United flights when you use the United Club Business Card and you’re a MileagePlus member.
One thing to note is that this card doesn’t include a TSA PreCheck or Global Entry application fee statement credit, which is something that other United credit cards include, such as the United Club℠ Infinite Card, which also offers United Club membership, 4X points on United flights (plus 5X points for being a MilagePlus member, for a total of 9X points). However that card is a personal one, meaning it will take up a 5/24 slot, and the annual fee is higher. However, depending on your needs, it might be an option to consider.