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$150
Annual Fee
100,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Good to Excellent
Welcome Offer
100,000
Airline
Spend $5,000 in the first 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| United Purchases | 2X | Core | any | None | |
| Dining | 2X | Core | any | None | |
| Gas Stations | 2X | Core | any | None | |
| Office Supplies | 2X | Core | any | None | |
| Transit | 2X | Core | any | None | |
| United Airlines | 2X | Core | any | None |
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #14 of 119 |
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
$150
Annual Fee
100,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Good to Excellent
Welcome Offer
100,000
Airline
Spend $5,000 in the first 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| United Purchases | 2X | Core | any | None | |
| Dining | 2X | Core | any | None | |
| Gas Stations | 2X | Core | any | None | |
| Office Supplies | 2X | Core | any | None | |
| Transit | 2X | Core | any | None | |
| United Airlines | 2X | Core | any | None |
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #14 of 119 |
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
$150
Annual Fee
100,000
Airline · Welcome Bonus
2X
Top Rate
Annual Fee
$150
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Good to Excellent
Welcome Offer
100,000
Airline
Spend $5,000 in the first 3 months
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| United Purchases | 2X | Core | any | None | |
| Dining | 2X | Core | any | None | |
| Gas Stations | 2X | Core | any | None | |
| Office Supplies | 2X | Core | any | None | |
| Transit | 2X | Core | any | None | |
| United Airlines | 2X | Core | any | None |
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #14 of 119 |
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Up to
$370
in annual credits
$125 United travel credit
$125
Annual
Receive $125 in United® TravelBank cash after making 5 United® flight purchases of $100 or more each calendar year with your United Business Card.
$100/yr JSX credits
$100
Annual
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Business Card. JSX is a
$100 United Hotels credit
$100
Annual
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your UnitedSM
$10/mo Instacart
$10
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Business
25% back on United inflight drinks
—
Annual
25% 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
$50 Avis/Budget travel credit
$50
Annual
Receive $25 in United® TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through
Get 2 United Club passes each year for lounge access with complimentary beverages, snacks, and Wi-Fi. Over $100 annual value.
2
Worldwide
Combined Protection Value
$7,650
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Coverage up to $500 per item for eligible purchases against theft or damage for 120 days from purchase date
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Coverage for damage, theft, and loss on rental cars when paid with your card. Covers most rental agencies and vehicle types.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
If you fly with United at least once or twice a year, the United Business Card can deliver substantial value through free flights, valuable credits, and perks that justify its $150 annual fee.
If you are at or near your 5/24 and looking for a co-branded United Airlines card, this is a good choice for you. The United Business Card is **for those who fly on United once or twice per year.** Any more than that, you want to check out the United Club Business card. United is also a partner of Chase, so you can use Ultimate Rewards points to top up points you earn from this card. You can earn several free flights (or a single long-haul flight in business class) with the **75,000 (current special 100,000) point sign-up bonus**. There are also valuable credits and perks, both travel and non travel-related, that make the **$150 annual fee worthwhile beyond the first year**.
If you and a companion fly on United once per year, you’ll receive a **free first checked bag** (worth $160 for two people, round trip) that effectively offsets the $150 annual fee on its own. If you travel light and only carry on, there are other benefits that still make keeping this card a smart decision.
Travel-related perks include:
- **Two United Club one-time passes per year** (a $100 value)
- Two $50 credits each year on prepaid hotel stays through United Hotels
- Two $25 credits to Avis or Budget (issued as United TravelBank cash, redeemable only for United flights)
- **Priority boarding for the cardholder and companions** on the same reservation
- 25% back on inflight club and premium drink purchases (including Wi-Fi)
- A **5000-mile anniversary bonus** if you also have a personal United credit card
Non-travel benefits can also add value:
- A $10 Instacart credit each month, plus three free months of Instacart+ (and 25% off after that)
- An $8 rideshare credit each month, plus $12 in December (up to $100 in potential annual savings)
- Several spending multipliers that help you build more points while working toward your sign-up bonus
This card might not be right for you if:
- You don’t fly United at least once per year and won’t benefit from the perks after the first year
- You don’t need the travel-related perks and wouldn’t use services like Instacart or rideshare (it’s not recommended to spend just to use perks you don’t actually need)
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
The United Club Business Card is the other business option for frequent United flyers. We recommend it if you’re loyal to United (or its partners) and fly 3–4 times (or more) per year. It has more perks but also carries a $695 annual fee, which may be worth it depending on your situation.
Because these are both business cards, they **won’t count against your 5/24** status, providing another way to build points with a Chase partner without affecting your personal card eligibility. If you’re still under 5/24 and think a United co-branded card is right for you, consider the four personal cards they offer. Annual fees range from $0 to $695, so there’s likely a card that fits your travel habits on United and its Star Alliance partners.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$222
Annual Fee
-$150
Net Annual Value
+$72
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Up to
$370
in annual credits
$125 United travel credit
$125
Annual
Receive $125 in United® TravelBank cash after making 5 United® flight purchases of $100 or more each calendar year with your United Business Card.
$100/yr JSX credits
$100
Annual
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Business Card. JSX is a
$100 United Hotels credit
$100
Annual
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your UnitedSM
$10/mo Instacart
$10
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Business
25% back on United inflight drinks
—
Annual
25% 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
$50 Avis/Budget travel credit
$50
Annual
Receive $25 in United® TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through
Get 2 United Club passes each year for lounge access with complimentary beverages, snacks, and Wi-Fi. Over $100 annual value.
2
Worldwide
Combined Protection Value
$7,650
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Coverage up to $500 per item for eligible purchases against theft or damage for 120 days from purchase date
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Coverage for damage, theft, and loss on rental cars when paid with your card. Covers most rental agencies and vehicle types.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
If you fly with United at least once or twice a year, the United Business Card can deliver substantial value through free flights, valuable credits, and perks that justify its $150 annual fee.
If you are at or near your 5/24 and looking for a co-branded United Airlines card, this is a good choice for you. The United Business Card is **for those who fly on United once or twice per year.** Any more than that, you want to check out the United Club Business card. United is also a partner of Chase, so you can use Ultimate Rewards points to top up points you earn from this card. You can earn several free flights (or a single long-haul flight in business class) with the **75,000 (current special 100,000) point sign-up bonus**. There are also valuable credits and perks, both travel and non travel-related, that make the **$150 annual fee worthwhile beyond the first year**.
If you and a companion fly on United once per year, you’ll receive a **free first checked bag** (worth $160 for two people, round trip) that effectively offsets the $150 annual fee on its own. If you travel light and only carry on, there are other benefits that still make keeping this card a smart decision.
Travel-related perks include:
- **Two United Club one-time passes per year** (a $100 value)
- Two $50 credits each year on prepaid hotel stays through United Hotels
- Two $25 credits to Avis or Budget (issued as United TravelBank cash, redeemable only for United flights)
- **Priority boarding for the cardholder and companions** on the same reservation
- 25% back on inflight club and premium drink purchases (including Wi-Fi)
- A **5000-mile anniversary bonus** if you also have a personal United credit card
Non-travel benefits can also add value:
- A $10 Instacart credit each month, plus three free months of Instacart+ (and 25% off after that)
- An $8 rideshare credit each month, plus $12 in December (up to $100 in potential annual savings)
- Several spending multipliers that help you build more points while working toward your sign-up bonus
This card might not be right for you if:
- You don’t fly United at least once per year and won’t benefit from the perks after the first year
- You don’t need the travel-related perks and wouldn’t use services like Instacart or rideshare (it’s not recommended to spend just to use perks you don’t actually need)
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
The United Club Business Card is the other business option for frequent United flyers. We recommend it if you’re loyal to United (or its partners) and fly 3–4 times (or more) per year. It has more perks but also carries a $695 annual fee, which may be worth it depending on your situation.
Because these are both business cards, they **won’t count against your 5/24** status, providing another way to build points with a Chase partner without affecting your personal card eligibility. If you’re still under 5/24 and think a United co-branded card is right for you, consider the four personal cards they offer. Annual fees range from $0 to $695, so there’s likely a card that fits your travel habits on United and its Star Alliance partners.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$222
Annual Fee
-$150
Net Annual Value
+$72
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Up to
$370
in annual credits
$125 United travel credit
$125
Annual
Receive $125 in United® TravelBank cash after making 5 United® flight purchases of $100 or more each calendar year with your United Business Card.
$100/yr JSX credits
$100
Annual
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your United Business Card. JSX is a
$100 United Hotels credit
$100
Annual
Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your UnitedSM
$10/mo Instacart
$10
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Business
25% back on United inflight drinks
—
Annual
25% 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
$50 Avis/Budget travel credit
$50
Annual
Receive $25 in United® TravelBank cash, up to $50 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through
Get 2 United Club passes each year for lounge access with complimentary beverages, snacks, and Wi-Fi. Over $100 annual value.
2
Worldwide
Combined Protection Value
$7,650
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Coverage up to $500 per item for eligible purchases against theft or damage for 120 days from purchase date
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Coverage for damage, theft, and loss on rental cars when paid with your card. Covers most rental agencies and vehicle types.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
If you fly with United at least once or twice a year, the United Business Card can deliver substantial value through free flights, valuable credits, and perks that justify its $150 annual fee.
If you are at or near your 5/24 and looking for a co-branded United Airlines card, this is a good choice for you. The United Business Card is **for those who fly on United once or twice per year.** Any more than that, you want to check out the United Club Business card. United is also a partner of Chase, so you can use Ultimate Rewards points to top up points you earn from this card. You can earn several free flights (or a single long-haul flight in business class) with the **75,000 (current special 100,000) point sign-up bonus**. There are also valuable credits and perks, both travel and non travel-related, that make the **$150 annual fee worthwhile beyond the first year**.
If you and a companion fly on United once per year, you’ll receive a **free first checked bag** (worth $160 for two people, round trip) that effectively offsets the $150 annual fee on its own. If you travel light and only carry on, there are other benefits that still make keeping this card a smart decision.
Travel-related perks include:
- **Two United Club one-time passes per year** (a $100 value)
- Two $50 credits each year on prepaid hotel stays through United Hotels
- Two $25 credits to Avis or Budget (issued as United TravelBank cash, redeemable only for United flights)
- **Priority boarding for the cardholder and companions** on the same reservation
- 25% back on inflight club and premium drink purchases (including Wi-Fi)
- A **5000-mile anniversary bonus** if you also have a personal United credit card
Non-travel benefits can also add value:
- A $10 Instacart credit each month, plus three free months of Instacart+ (and 25% off after that)
- An $8 rideshare credit each month, plus $12 in December (up to $100 in potential annual savings)
- Several spending multipliers that help you build more points while working toward your sign-up bonus
This card might not be right for you if:
- You don’t fly United at least once per year and won’t benefit from the perks after the first year
- You don’t need the travel-related perks and wouldn’t use services like Instacart or rideshare (it’s not recommended to spend just to use perks you don’t actually need)
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
The United Club Business Card is the other business option for frequent United flyers. We recommend it if you’re loyal to United (or its partners) and fly 3–4 times (or more) per year. It has more perks but also carries a $695 annual fee, which may be worth it depending on your situation.
Because these are both business cards, they **won’t count against your 5/24** status, providing another way to build points with a Chase partner without affecting your personal card eligibility. If you’re still under 5/24 and think a United co-branded card is right for you, consider the four personal cards they offer. Annual fees range from $0 to $695, so there’s likely a card that fits your travel habits on United and its Star Alliance partners.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$222
Annual Fee
-$150
Net Annual Value
+$72
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Extends the manufacturer's warranty by up to one additional year on eligible items purchased with the card.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Receive up to $500 reimbursement for meals and lodging if your trip is delayed more than 12 hours due to carrier issues or weather.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursed up to $300 for essential items if your checked baggage is delayed more than 12 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Extends the manufacturer's warranty by up to one additional year on eligible items purchased with the card.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Receive up to $500 reimbursement for meals and lodging if your trip is delayed more than 12 hours due to carrier issues or weather.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursed up to $300 for essential items if your checked baggage is delayed more than 12 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Extends the manufacturer's warranty by up to one additional year on eligible items purchased with the card.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Receive up to $500 reimbursement for meals and lodging if your trip is delayed more than 12 hours due to carrier issues or weather.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursed up to $300 for essential items if your checked baggage is delayed more than 12 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
