Credit cards for United MileagePlus
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Credit cards for United MileagePlus: 5 current offers are compared, including personal and business cards; some have variable, conditional or unconfirmed bonuses the estimates leave out, so the order is a starting point rather than a like-for-like ranking. Among credit cards for united mileageplus with a confirmed value, Chase United Explorer has the highest estimated first-year value after fees at $875, using travel redemption. The lowest annual fee among credit cards for united mileageplus is $0. Opening any of the 4 personal cards compared for credit cards for united mileageplus adds an account to Chase's reported 5/24 count for 24 months, even if the account later closes.
Compare United MileagePlus cards against your United trips, baggage costs and lounge use. Confirm the exact welcome-offer conditions at Chase.
Check my eligibility first →We compare conditional value after fees; compensation never changes rankings.
How we rankUnited MileagePlus: 5 available offers, ordered by conditional travel value after fees.
Offers for United MileagePlus to compare
1. Chase United Business Card
Welcome offer: Up to 100,000 United miles: 90,000 after spending + 10,000 employee-card add; 2,000 PQP. Annual fee: $150. Terms apply.
First-year value after fees (travel redemption), estimated: $975.
Bonus up to $1,250 with conditions. This ceiling is excluded from the estimate.
Last checked: .
2. Chase United Explorer
Welcome offer: Up to 80,000 United miles: 70,000 after spending + 10,000 for adding an authorized user. Annual fee: $150. Terms apply.
First-year value after fees (travel redemption), estimated: $875.
Bonus up to $1,000 with conditions. This ceiling is excluded from the estimate.
Last checked: .
3. Chase United Quest
Welcome offer: Up to 90,000 United miles: 80,000 after spending + 10,000 authorized-user add; 500 PQP after first purchase. Annual fee: $350. Terms apply.
First-year value after fees (travel redemption), estimated: $820.
Bonus up to $1,125 with conditions. This ceiling is excluded from the estimate.
Last checked: .
4. Chase United Gateway
Welcome offer: Up to 50,000 United miles: 40,000 after spending + 10,000 authorized-user add. Annual fee: $0. Terms apply.
First-year value after fees (travel redemption), estimated: $500.
Bonus up to $625 with conditions. This ceiling is excluded from the estimate.
Last checked: .
5. Chase United Club Card
Welcome offer: Up to 100,000 United miles: 90,000 after spending + 10,000 authorized-user add. Annual fee: $695. Terms apply.
First-year value after fees (travel redemption), estimated: $430.
Bonus up to $1,250 with conditions. This ceiling is excluded from the estimate.
Last checked: .
Compare requirements and conditional value
United MileagePlus estimates use travel redemption, expected credit use and first-year fees; ongoing spending rewards are excluded. Terms apply.
| Card | Annual fee | Required spend | First-year value, estimated (travel) | Timing or bonus condition | Recorded details | Last checked |
|---|---|---|---|---|---|---|
| Chase United Business Card | $150 | $5,000 in 3 months | $975 | Chase's terms say the Chase United Business Card welcome offer may be unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it. Check the current offer terms; this wording varies between offers.Issuer terms | Network: Visa.First-year fee: $150; renewal: $150.Personalized bonus up to $1,250 with conditions; excluded from the base estimate. | 2026-10-06 |
| Chase United Explorer | $150 | $3,000 in 3 months | $875 | Chase's terms say the Chase United Explorer welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $150.Personalized bonus up to $1,000 with conditions; excluded from the base estimate. | 2026-10-06 |
| Chase United Quest | $350 | $4,000 in 3 months | $820 | Chase's terms say the Chase United Quest welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $350; renewal: $350.Personalized bonus up to $1,125 with conditions; excluded from the base estimate. | 2026-10-06 |
| Chase United Gateway | $0 | $1,000 in 3 months | $500 | Chase's terms say the Chase United Gateway welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $0; renewal: $0.Personalized bonus up to $625 with conditions; excluded from the base estimate. | 2026-10-06 |
| Chase United Club Card | $695 | $5,000 in 3 months | $430 | Chase's terms say the Chase United Club Card welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.Issuer terms | Network: Visa.First-year fee: $695; renewal: $695.Personalized bonus up to $1,250 with conditions; excluded from the base estimate. | 2026-10-06 |
Timing rules for the cards on this list
Application windows and account limits
Chase United Business Card and Chase United Explorer and Chase United Quest and Chase United Gateway and Chase United Club Card: Chase usually declines most applications at 5/24 or higher, based on applicant reports. Approval is never guaranteed. Your estimated 5/24 count changes as older accounts age out. Exact eligibility timing depends on reported opening dates.
Chase United Business Card and Chase United Explorer and Chase United Quest and Chase United Gateway and Chase United Club Card: Applicants report Chase pacing of roughly two cards in 30 days, usually one business card. Additional applications may be declined. Many applicants space Chase applications about 90 days apart to reduce review risk; this is community guidance.
Welcome offers and prior-card history
Chase's terms say the Chase United Club Card welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase United Explorer welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase United Quest welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase United Gateway welcome offer is unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it.
Chase's terms say the Chase United Business Card welcome offer may be unavailable if you received its welcome bonus within the past 24 months, and you cannot open the card while you hold it. Check the current offer terms; this wording varies between offers.
Effect on Chase 5/24
Chase United Business Card: Chase business cards generally do not increase your personal 5/24 count, although your existing count affects approval.
Chase United Explorer is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase United Quest is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase United Gateway is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Chase United Club Card is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
Applicants report Chase usually declines people who opened 5 or more new card accounts in the past 24 months, so if keeping Chase access matters, apply for Chase United Business Card and Chase United Explorer and Chase United Quest and Chase United Gateway and Chase United Club Card before Chase United Explorer and Chase United Quest and Chase United Gateway and Chase United Club Card; a Chase business card usually does not add to that count, but your existing count still affects approval.
Questions about United MileagePlus
What could delay a card application for United MileagePlus?
Chase applications and recent account openings can affect timing for United MileagePlus. Compare the issuer-specific windows with your dates; a waiting period does not establish approval.
Do credit cards for United MileagePlus have an application order?
No directional offer rule gives Credit cards for United MileagePlus a preferred order. Start with your recent Chase applications and each product's current terms.
Which welcome offers for United MileagePlus depend on earlier card or bonus history?
Credit cards for United MileagePlus have product-specific welcome-offer checks for previous cards or bonuses. Passing an application timing check does not establish welcome-offer eligibility.