A New Era for United Airlines Credit Cards
United Airlines is refreshing its lineup of co-branded credit cards in partnership with Chase Bank. If you frequently fly with United, these new updates could mean more value, better perks, and upgraded benefits. The relaunch includes limited-time welcome bonuses, new card features, and higher annual fees — all designed to provide travelers with more reasons to stay loyal to United. Whether you’re a business traveler, a casual flyer, or a loyal MileagePlus member, these changes are worth exploring in detail.
The United Gateway℠ Card: Enhanced Value with No Annual Fee
The revamped United Gateway℠ Card stands out as a solid option for those who want travel perks without the burden of an annual fee. With its refresh, the card now includes improved reward categories and a generous welcome bonus for new cardholders.
Cardholders earn 2X miles on United purchases, gas stations, and local transit, and 1X mile on all other purchases. The Gateway Card also features no foreign transaction fees, making it ideal for international travelers. The limited-time welcome bonus allows you to earn a set number of bonus miles (exact amount varies by promotion) after meeting a minimum spending threshold within the first three months.
While this card doesn’t offer premium perks like free checked bags or priority boarding, it’s an excellent choice for budget-conscious travelers or those new to United’s MileagePlus program. The lack of an annual fee combined with decent reward categories makes it a strong entry-level travel card.
The United℠ Explorer Card: Balanced Benefits for Regular Flyers
The United℠ Explorer Card has always been a favorite among casual United flyers, and its relaunch makes it even more appealing. The card now includes refreshed travel benefits, better reward rates, and a competitive limited-time sign-up bonus.
Cardholders can earn 2X miles on United purchases, dining, and hotel stays, plus 1X mile on everything else. One of the standout features is the free first checked bag for you and a companion on the same reservation — a perk that can save you hundreds of dollars annually. Priority boarding and 25% back on in-flight purchases sweeten the deal further.
There’s also a Global Entry or TSA PreCheck statement credit, access to United Club passes (two per year), and trip cancellation/interruption insurance. With an annual fee of $95 (waived for the first year), this card offers strong value for the price, especially for travelers who fly with United a few times a year.
The United Quest℠ Card: Premium Rewards with Added Flexibility
For travelers seeking more from their credit card, the United Quest℠ Card introduces a higher level of benefits — and with it, a higher annual fee. This card is ideal for more frequent travelers who value miles, flexibility, and premium perks.
You can earn 3X miles on United purchases, 2X on dining, streaming services, and travel, and 1X on other expenses. You also receive up to $125 in annual United purchase credits and 5,000 miles back after you redeem for an award flight twice a year. These features help offset the $250 annual fee quickly if you travel frequently.
Two free checked bags, priority boarding, and additional protections like lost luggage reimbursement and no foreign transaction fees make the Quest Card a compelling choice. The limited-time welcome bonus is among the best in the lineup, helping you rack up thousands of miles quickly.
The United Club℠ Card: The Ultimate in Travel Comfort
Frequent flyers who spend a lot of time at the airport will find the United Club℠ Card hard to beat. As part of the relaunch, the card continues to focus on luxury, access, and convenience — but now with improved benefits to match its high annual fee of $525.
The biggest perk: full United Club membership, which grants access to over 45 United Club locations and hundreds of partner lounges worldwide. Cardholders earn 4X miles on United purchases, 2X on all other travel, and 1X on everything else.
Additional perks include Premier Access (priority check-in, boarding, security screening), two free checked bags per traveler, and enhanced travel protections. Despite the high fee, this card delivers premium value for travelers who prioritize comfort, exclusivity, and service during their journeys.
The United℠ Business Card: Designed for Growing Travel-Based Enterprises
The United℠ Business Card offers solid travel perks designed to meet the needs of small and medium-sized businesses. With a modest annual fee of $99, this card delivers both savings and earning potential for frequent business travelers.
Cardholders earn 2X miles on United purchases, dining, gas stations, office supply stores, and local transit. All other purchases earn 1X mile. Perks like free first checked bags, priority boarding, and two United Club one-time passes make the card an efficient travel companion.
Businesses benefit from employee cards at no extra cost, spending insights, and various insurance protections. The welcome bonus is attractive and offers a substantial number of miles after meeting a minimum spend. This card blends value and functionality for entrepreneurs and teams who regularly take to the skies with United Airlines.
The United Club℠ Business Card: A Premium Option for Corporate Travelers
The United Club℠ Business Card brings first-class perks to the corporate world. With the same $525 annual fee as the personal United Club Card, it is ideal for executives or frequent business travelers who demand a higher level of service.
Included is a full United Club membership, giving access to premium lounges for comfort and productivity on the go. Cardholders earn 2X miles on United purchases and 1.5X on all other purchases, which is higher than the standard 1X rate seen on most cards.
Additional perks include Premier Access, two free checked bags, no foreign transaction fees, and a suite of travel insurance options. For companies that prioritize executive travel comfort and speed, this card is a powerful tool in the travel toolkit.
Are the Increased Annual Fees Worth It?
Each of the relaunched United cards comes with a new set of benefits — and in some cases, increased annual fees. Whether these fees are worth paying depends on your travel habits. If you fly United only occasionally, lower-tier cards like the Gateway or Explorer may offer enough value without the need for a premium price tag.
On the other hand, frequent travelers who rely on lounge access, free checked bags, and flexible rewards will find that the higher-tier cards like the Quest and Club versions can easily justify their costs. Analyze your travel frequency, preferred perks, and how often you’ll use the card benefits to make the right choice.
Limited-Time Welcome Bonuses: A Golden Opportunity
One of the most attractive aspects of this relaunch is the limited-time welcome bonuses offered on each card. These bonuses can help new cardholders earn tens of thousands of miles after meeting minimum spending requirements, which can be redeemed for award flights, upgrades, or even travel partners.
If you’re considering applying for one of the new United cards, now is the time. These offers typically change every few months, and missing out could mean leaving thousands of miles on the table. Always read the fine print and ensure you can meet the spending requirement within the promotional period.
FAQs: Your Questions Answered
Do I Need a United Credit Card to Earn MileagePlus Miles?
No, you can earn MileagePlus miles by flying United and its partners, booking hotels, and more. However, using a co-branded card will help you accumulate miles faster and unlock exclusive perks.
Can I Upgrade My Existing United Card to a New One?
Yes, in most cases, current United cardholders can upgrade or switch between cards. Contact Chase customer service to understand your options and any implications related to your account history.
What Credit Score Do I Need to Qualify?
Most United credit cards require good to excellent credit, typically a score of 700 or higher. However, qualification can depend on various factors beyond just your credit score.
Are There Any Foreign Transaction Fees?
None of the relaunched United credit cards charge foreign transaction fees, making them suitable for international travel.
Which United Card Is Right for You?
United Airlines and Chase have made significant upgrades to their co-branded card portfolio. Whether you’re just starting to collect miles or you’re a seasoned traveler seeking elite perks, there’s a card tailored for your needs. Take the time to compare benefits, annual fees, and your own travel goals before choosing.
The limited-time welcome bonuses only add to the appeal — but act fast before the offers change. With smarter features and improved value, the new United credit cards are poised to become top contenders in the travel rewards market.
