Whether you're an occasional United flyer or a diehard chasing top-tier 1K status, United and Chase's lineup of co-branded credit cards has something for everyone. And right now is a great time to add one to your wallet with new, you can currently earn up to 95,000 MileagePlus miles, depending on which version of the card you choose.

These are some of the biggest sign-up bonuses we've ever seen and there's no quicker way to rack up a bunch of United miles in a hurry. 

Just be warned: These United miles won't go nearly as far as they once did. Last year, the airline hiked nearly all award rates by 20% to 35% – or more. For example, United economy flights to Europe that previously cost 30,000 miles each way at the lowest “saver” award rates now cost at least 40,000 miles.

Still, that doesn't mean that a big stash of United miles are worthless … far from it. And if it's United's elite status you're after, the airline just made some positive changes that mean spending on many of these United credit cards can help you get there even faster.

Let's take a closer look at these cards and see what each has to offer.

 

In this post

The New United℠ Explorer Card

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  • $0 introductory annual fee for the first year, then pay $150 a year. Existing cardholders will pay that higher fee upon their next renewal.
  • Earn 5x miles on hotel stays purchased through United Hotels: Earn 2x miles per $1 spent as a MileagePlus member, 2x miles per $1 spent with your card, plus an additional 1x mile per $1 spent from United when you prepay through United Hotels.
  • Earn 2x miles on United purchases, hotels, and dining, and 1x on all other purchases.
  • Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar year with your United℠ Explorer Card.
  • Up to $100 in United Hotel credits: Receive $50 back as a statement credit on both your first and second prepaid hotel stays purchased directly through United Hotels, up to $100 each anniversary year.
  • Up to $60 in credits on rideshare purchases: Enroll (and opt-in yearly) to receive up to $5 back as a statement credit each month on rideshare purchases when you pay with your  Explorer Card, up to $60 each calendar year. 
  • Up to $50 in United travel credits on Avis or Budget purchases: Receive $25 in United TravelBank cash, up to $50 each anniversary year, for your first and second Avis or Budget car rental booked directly through cars.united.com and paid for with your Explorer Card.
  • Up to $120 in Instacart credits: Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your Explorer Card. This benefit ends on Dec. 31, 2027.
  • Up to $100 in credits on JSX purchases: Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX using your Explorer Card. JSX is a hop-on jet service that offers a semiprivate flying experience at commercial fares.
  • 3-Month Complimentary Instacart+ Membership: Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you're automatically enrolled in Instacart+ at 25% off the annual rate. This benefit ends on Dec. 31, 2027.
  • Up to a $120 credit to cover enrollment in Global Entry, TSA PreCheck, or NEXUS
  • First checked bag free on United flights
  • Get two, one-time passes to the United Club each year on your cardmember anniversary
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*united explorer*

 

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The New United Quest℠ Card

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  • $350 annual fee, up from the previous $250 a year. Existing cardholders will pay that higher fee upon their next renewal.
  • Earn 5x miles on hotel stays at Renowned Hotels and Resorts for United® Cardmembers: Earn 5x miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your Quest Card.
  • Earn 3x miles per dollar spent on United® purchases
  • Earn 2x miles per dollar spent on dining, select streaming services & all other travel, and 1x on all other purchases
  • $200 annual United travel credit: Automatically receive $200 in United TravelBank cash after account opening and annually on your account anniversary, for a future United- or United Express-operated flight.
  • Annual 10,000-mile award flight discount: Starting with your first anniversary and every anniversary thereafter, you'll get a 10,000-mile discount to use toward an eligible award flight. This used to be broken up into two separate 5,000-mile discounts. 
  • Earn a second 10,000-mile award flight discount after spending $20,000 on purchases each calendar year with your Quest Card.
  • Earn two global Economy Plus seat upgrades: Receive two global Economy Plus seat upgrades after spending $40,000 on purchases each calendar year with your Quest Card.
  • Up to $150 in credits for Renowned Hotels and Resorts: Receive up to $150 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your Quest Card.
  • Up to $100 in credits on rideshare purchases: Enroll (and opt-in yearly) to receive up to $8 back as a statement credit each month and $12 in December on rideshare purchases when you pay with your Quest Card, up to $100 each calendar year. 
  • Up to $80 in United travel credits on Avis or Budget purchases: Receive $40 in United TravelBank cash, up to $80 each anniversary year, for your first and second Avis or Budget car rental booked directly through cars.united.com and paid for with your Quest Card.
  • Up to $180 in Instacart credits: Receive one $10 Instacart credit and one $5 Instacart credit monthly, up to $180 total each calendar year, for purchases made directly through Instacart with your Quest Card. This benefit ends on Dec. 31, 2027.
  • Up to $150 in credits on JSX purchases: Get up to $150 back as a statement credit each anniversary year when you book flights directly with JSX using your Quest Card. JSX is a hop-on jet service that offers a semiprivate flying experience at commercial fares.
  • 1,000 Card Bonus PQP each qualification year, starting in 2026: Get a jump start on earning Premier status with 1,000 Card Bonus Premier qualifying points (PQP) each year. Your Card Bonus PQP will be applied to your MileagePlus account within six to eight weeks after Feb. 1 each year, starting in 2026. Your Quest Card must be open as of Dec. 31 of the prior year and must be open when PQP are applied.
  • Earn up to 18,000 Premier® qualifying points (PQP): You’ll earn 1 PQP for every $20 you spend on purchases with your Quest Card, up to 18,000 PQP in a calendar year.
  • 3-Month Complimentary Instacart+ Membership: Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. After that, you're automatically enrolled in Instacart+ at 25% off the annual rate. This benefit ends Dec. 31, 2027.
  • Up to a $120 credit to cover enrollment in Global Entry, TSA PreCheck, or NEXUS
  • First and second checked bags are free on United flights
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*united quest*
Learn more about *united quest*

 

The New United Club℠ Card

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  • $695 annual fee, up from the previous $525 a year. Existing cardholders will pay that higher fee upon their next renewal.
  • Earn 5x miles on hotel stays at Renowned Hotels and Resorts or United Hotels: Earn 5x miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts or United Hotels using your Club Card.
  • Earn 4x miles per dollar spent on United® purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
  • Earn 2x miles per dollar spent on all other travel and dining, and 1x on all other purchases
  • United Club membership: Primary cardholders receive unlimited complimentary access to United Clubs for themselves and eligible travel companions, including one adult guest and dependent children. Guest access used to include two adults or one adult and dependent children. 
  • United Club All Access membership: You can unlock a United Club All Access membership after reaching Premier Gold status or by spending $50,000 on purchases each calendar year with your United Club Card. In addition to your usual benefits, you will be able to bring in two adult guests, or one adult guest plus your dependent children under the age of 18, to all United Club lounges. This includes access to participating Star Alliance lounges for you and your eligible travel companions, plus four one-time Club passes for your authorized users each year.
  • Earn up to 20,000-miles in award flight discounts: Receive one 10,000-mile discount after spending $20,000 on purchases each calendar year with your Club Card and another after spending an additional $20,000.
  • Up to $200 in credits for Renowned Hotels and Resorts: Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your Club Card.
  • Up to $150 in credits on rideshare purchases: Enroll (and opt-in yearly) to receive up to $12 back as a statement credit each month and $18 in December on rideshare purchases when you pay with your Club Card, up to $100 each calendar year. 
  • Up to $100 in United travel credits on Avis or Budget purchases: Receive $50 in United TravelBank cash, up to $100 each anniversary year, for your first and second Avis or Budget car rental booked directly through cars.united.com and paid for with your Club Card.
  • Up to $240 in Instacart credits: Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with your Quest Card. This benefit ends on Dec. 31, 2027.
  • Up to $200 in credits on JSX purchases: Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your Club Card. JSX is a hop-on jet service that offers a semiprivate flying experience at commercial fares.
  • 1,500 Card Bonus PQP each qualification year, starting in 2026: Get a jump start on earning Premier status with 1,500 Card Bonus Premier qualifying points (PQP) each year. Your Card Bonus PQP will be applied to your MileagePlus account within six to eight weeks after Feb. 1 each year, starting in 2026. Your Club Card must be open as of Dec. 31 of the prior year and must be open when PQP are applied.
  • Earn up to 128,000 Premier® qualifying points (PQP): You’ll earn 1 PQP for every $15 you spend on purchases with your Club Card, up to 28,000 PQP in a calendar year.
  • Complimentary Instacart+ Membership: Get complimentary Instacart+ Membership for three months, including unlimited deliveries with $0 delivery fees on eligible orders. This benefit ends on Dec. 31, 2027.
  • Up to a $120 credit to cover enrollment in Global Entry, TSA PreCheck, or NEXUS
  • First and second checked bags are free on United flights
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*united infinite*

 

Learn more about *united club infinite*

 

United Gateway℠ Card

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  • Earn 2x miles per dollar spent on United purchases, including tickets, in-flight food and Wi-Fi and baggage service charges
  • Earn 2x miles per dollar spent at gas stations and on local transit and commuting costs, including mass transit, tolls, ride share services and more
  • Earn 1x miles on all other purchases
  • Earn two free checked bags after spending $10,000 in a calendar year
  • 25% back as a statement credit on United inflight and Club premium drink purchases
  • No annual fee

 

*united gateway*

 

Learn more about *united gateway*

 

Earn Status Faster with Credit Card Spend

Premier Qualifying Points (PQPs) are the most important building block of earning status with United … and with a threshold of 6,000 PQPs for even low-level Silver, you need a lot of them to earn status.

United recently announced new requirements for earning status in 2025, and they actually made it a bit easier for travelers with one of these credit cards to rack them up:

That's a slight improvement over the old system, where you'd earn a chunk of 1 PQPs for every $15 you spent on select United cards. But it makes holding the $695-a-year United Infinite card even more important if you want to earn United status. And still, you'll need to spend at least $90,000 on the United Club Infinite card to earn even the lowest Silver status. 

Unlike with Delta or American, though, you can't earn top United status exclusively through credit card spending. The airline limits how many PQPs you can earn on card spend, although that number has increased slightly, too: 

  • United Quest card is now capped at 18,000 PQPs
  • United Club Infinite card is now capped at 28,000 PQPs 
  • United Club Business card is now capped at 18,000 PQPs 

 

Another Benefit: Expanded United Award Availability

One of the best benefits of holding a United Airlines co-branded credit card is increased access to award tickets on United Airlines flights. Unfortunately, the no-annual-fee United Gateway card will be losing complimentary access to this expanded availability come August, unless you spend $10,000 per year. 

This means that just for holding the card, you will see more saver-level award seats available when you search for ways to redeem your miles. Oftentimes, there is additional award availability during peak travel times and/or more popular routes. This ultimately means you have to use fewer miles when it comes time to use them.

Finally, United cardholders will get access to all Everyday awards. This means you can use your miles to book seats on any United Airlines flight, even if it’s the last seat on the plane. You may pay a small fortune in miles to do so, but that could come in handy.

Related reading: The 7 Best Deals We've Found for United MileagePlus Miles

 

 

Should You Apply?

It depends. There are plenty of considerations to keep in mind.

Like all Chase credit cards, the entire portfolio of United Airlines credit cards are subject to the Chase 5/24 rule. That means if you have been approved for five or more credit cards – from any bank not just Chase – in the last 24-month period, you will automatically be declined for any of these cards regardless of your credit score or history with Chase bank.

That's the big reason we always suggest starting your travel rewards credit card journey with Chase credit cards. They are simply harder to get later on down the line. And that alone makes it important to consider these offers.

Assuming you already have a Chase Sapphire Preferred or Reserve and one of the Chase Freedom Cards, one of these United cards could make a ton of sense for filling a Chase 5/24 spot.

Chase allows you to hold more than one of the United personal cards at the same time. But if you've earned a bonus on any of the United personal cards in the last 24 months, you won't be eligible. 

Read more: Master Guide to Credit Card Applications & All the Rules You Need to Know, Bank by Bank

 

Bottom Line

The entire suite of United airlines co-branded credit cards are out with big bonus offers of up to 95,000 MileagePlus miles, depending on which version of the card you choose. If you've got a good use for United Miles, take advantage of these big offers before they're gone!