| Card | United Gateway Card | United Explorer | United Club Infinite Card |
| Welcome Bonus | Earn 10,000 points after $1,000 spent within the first 3 months. | Earn 40,000 points after $2,000 spent within the first 3 months | The annual fee is waived the first year (then $525) |
| Annual Fee | 0 | $95, (waived 1st year) | $525 (waived 1st year) |
| Rewards | - 3 points at groceries on up to $1,500 monthly, expires 09/30/2120 - 2 points on United purchases, gas, local transit and commuting - 1 point on all other purchases | - 2 points on purchases by United Airlines, restaurants, and hotels - 1 point everywhere else | - 4 points on United purchases - 2 points on restaurants and travel - 1 point everywhere else |
| Upgraded Status | | Premier upgrades on United flights (only for Mileage Plus Premier members) | Complimentary Hertz President’s Circle membership Premier upgrades on United flights (only for Mileage Plus Premier members) Hotel upgrades at over 900 luxury hotels and resorts worldwide |
| Free Baggage | | First checked bag free for you and one companion on United flights. Plus receive a free carry-on bag even with a basic economy ticket. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation. | First and second bag checked free for you and one companion on United flights. Plus receive a free carry on bag even with a basic economy ticket. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation. |
| Extra Redemption Value | | Expanded Award Availability on United Flights when booking award flights | Expanded Award Availability on United Flights when booking award flights |
| Global Entry and TSA pre-check | | Get a statement credit for Global Entry or TSA Pre-Check every 4 years. | Statement credit for Global Entry or TSA Pre-Check every 4 years. |
| No Foreign Transaction Fee | None | None | None |
| Lounge Access | | Receive 2 complimentary annual free United Club lounge passes | Complimentary United Club Lounge access for you plus two companions when flying United or its partners. |
| Trip Cancellation Insurance | Coverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $1,500 per person for a max of $6,000 per trip. | Coverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $1,500 per passenger and $6,000 per trip for non-refundable flight tickets. | Coverage for canceled or interrupted travel due to an unforeseen medical emergency, etc. Max $10,000 per person for a max of $20,000 per trip. |
| Auto Rental Collision Insurance | Secondary worldwide coverage on rentals up to 31 days within your country residence | Worldwide primary coverage on rentals up to 31 days | Primary worldwide coverage on rentals up to 31 days |
| Travel Accident Insurance | | Get coverage If you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation. | Get coverage if you god forbid die in an accident on a Common Carrier while traveling or lose a limb, sight, speech, or hearing, receive up to $500,000 in compensation. |
| Lost Luggage Reimbursement | | Up to $3,000 per person for lost or damaged luggage | Up to $3,000 per person for lost or damaged luggage |
| Trip Delay Reimbursement | | If your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items | If your flight is delayed more than 12 hours you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items |
| Return Protection | | | Not happy with a purchase? Get a refund on purchases that are passed the store return policy for up to 90 days. Max $500 per claim, $1,000 per year) |
| Extended Warranty Protection | Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per account. | Get up to one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). | Get one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less. |
| Purchase Protection | Get refunded if your purchase is damaged, lost, or stolen for up to 120 days from the date of purchase. Max $500 per claim $50,000 per account | Get refunded if your purchase is damaged or stolen for up to 120 days from the date of purchase. Max $10,000 per claim ($50,000 per year) | Get refunded if your purchase is damaged or stolen for up to 120 days from the date of purchase. Max $10,000 per claim ($50,000 per year) |
| Authorized User Fee | $0 | $0 | $0 |
| Luggage Delay Insurence | | If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days. | If your baggage is delayed more than 6 hours you can claim up to $100 per day to cover expenses like toiletries, clothing for up to 3 days. |
| Priority Boarding | | Priority boarding on United flights | Premier Access for check in, security, boarding, baggage handling |
| Inflight Savings | | Receive 25% back (statement credit) on United in flight purchases of wifi, food and drinks | Receive 25% back (statement credit) on United in flight purchases of wifi, food and drinks |
