Best Credit Card For United Airlines Miles

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Best Credit Card For United Airlines Miles

Best Credit Card For United Airlines Miles

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Chase offers several personal United credit cards and small business credit cards, as well as the newest addition to its lineup, the United Quest℠ card, if you fly United, even several times a year. It offers 80,000 bonus miles after you spend $5,000 on purchases within the first 3 months of opening an account.

The United Quest℠ Card provides a range of benefits that can offset the $250 annual fee. This huge upfront cost can be off-putting at first glance, but if you can maximize the benefits of the card, the free first and second enrolled bag and U.S. discharge credits are well worth it.

Best Credit Cards For Earning United Miles

If you’re not sure you want to pay such a high annual fee, there’s an alternative: the United℠ Explorer Card is a long-time favorite among United passengers with an initial annual fee of $0 for the first year. , then $95, it offers many of the same perks as its more expensive siblings. You can earn 60,000 bonus miles by spending $3,000 on purchases within the first 3 months of account opening, an additional 10,000 miles by spending a total of $6,000 on purchases within the first 6 months and you will continue to receive benefits like free first checked baggage on United flights and valuable travel and shopping protection.

If you are trying to decide between the United Quest℠ Card and the United℠ Explorer Card, there are several factors you should consider:

Here we will focus on the rewards and benefits that each card provides. These cards are useless if you are paying interest or late payments. When using a credit card, it’s important to pay off your monthly balance in full, make payments on time, and only spend what you can afford.

Best Credit Card For United Airlines Miles

60,000 bonus miles after you spend $3,000 on purchases within the first 3 months of account opening and an additional 10,000 miles after you spend a total of $6,000 on purchases during the first 6 months.

Best United Credit Cards Of July 2022

Both the United Quest℠ Card and the United℠ Explorer Card offer welcome bonuses, meaning you can earn a certain number of miles for reaching a spending threshold. Both cards require significant spending to receive the full bonus.

The United Quest℠ card gives you the opportunity to earn 80,000 bonus miles by spending $5,000 on purchases within the first 3 months of opening an account. The United℠ Explorer Card gives you a bonus of 60,000 bonus miles after you spend $3,000 on purchases within the first 3 months of opening an account and on the total amount of purchases for the first 6 months.

The average value of United Miles is 1.3 cents, based on the latest Insider Points and Mile ratings. By unlocking the full 80,000 miles on the United Quest℠ card, you will receive approximately $1,040 on United flights and approximately $910 for the 60,000 miles bonus on the United℠ Explorer card.

If you are accumulating United Miles for a specific use, the higher United Quest℠ card bonus may mean the most to you, even with higher annual fees. United Miles don’t expire, so even if you don’t have any immediate travel plans, earning extra miles now gives you more options to book award flights when you decide you’re ready to take to the skies again.

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If your goal is to earn a lot of United miles from your daily purchases, a card with reward categories that best suit your spending habits is the way to go.

You will have an even higher (and wider) earning potential with the United Quest℠ card – it earns 3x more miles on United purchases and 2x more (after you earn $125 on United credit)

Other eligible travel purchases (such as flights, hotels, car rentals, etc.). You’ll earn 2x the miles for restaurants and 2x for eligible streaming services.

Best Credit Card For United Airlines Miles

The United℠ Explorer Card only gives you 2 miles for shopping at United and the same 2 miles for meals and hotel stays booked directly with the hotel. If you spend a lot on United flights (or travel in general), you’ll earn even more miles with the United Quest℠ card.

Chase United Quest Vs United Explorer: Credit Card Comparison

As you would expect from a card with a high annual fee, the United Quest℠ Card has benefits that the United℠ Explorer Card does not, including:

One perk offered by the United℠ Explorer card is not included in the United Quest℠ card: Each year, cardholders receive two one-time passes to the United Club Lounge at the airport (worth $59 each).

Apart from these differences, you get the same travel protection and purchase protection on both cards, so the best choice for you should be based on whether you can make the most of each card’s unique benefits.

Here you need to run some numbers. The annual fee for the United Quest℠ card is $250, which is non-refundable for the first year. Because you get many of the same benefits with the United℠ Explorer card (annual entry fee of $0 the first year, then $95 thereafter), you need to identify additional benefits for United Quest. The ℠ card costs $250 the first year.

Best United Airlines Credit Cards [july 2022]

If you spend at least $125 a year on United purchases, your annual fee is actually reduced to $125, which is $30 more than the United℠ Explorer Card annual fee (although there is no fee for the first year). Other than that, the biggest difference in saving money is the benefit of checked baggage.

Both cards offer the first free checked baggage (worth $35) for the cardholder and companion on the same booking – as long as the card is used to pay for your ticket (or taxes and fees on an award ticket). Only the United Quest℠ card offers

A free checked-in bag is typically $45 per person. If you frequently check in multiple pieces of luggage and are traveling with a companion, the discount on the second checked-in bag is enough to offset the annual card fee for two trips.

Best Credit Card For United Airlines Miles

Another perk to consider is the 5,000 mile award flight discount, which doesn’t take effect until your card’s first anniversary. This benefit is only useful if you plan to redeem your miles for award tickets that include at least one United flight on the trip (so the partner-only exchange will not work), and keep in mind that this is only valid for the main holder cards. You will need to look far ahead into your travel plans to decide if this benefit is worth anything to you.

Best Travel Credit Cards

For the average and rare United℠ traveler, the United℠ Explorer Card is a great choice. It offers many United benefits, offers strong travel and shopping protection, has a decent rate of return, and waives annual fees for the first year. Because there are no upfront costs in the first year, the United credit card is a good choice if you’re trying to see if it’s worth it.

The United Quest℠ card is a great choice if you know you’ll get at least $250 worth of extra perks. If you spend at least $125 on United purchases each year, you can effectively cut your yearly expenses down to $125, and then you have to decide if you’re making enough with increased card earning rates, miles discounts, and a second free check. . bag. It’s good to take advantage of this.

Jasmine Barron is Associate Editor of Personal Finance Insider, where she helps

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