Is the united credit card worth it? - GB Times (2024)

Is the United Credit Card Worth It?

The United Credit Card, issued by United Airlines, is a premium credit card designed for frequent flyers. With its rich rewards program, exclusive benefits, and travel perks, it’s a great option for those who travel frequently with United Airlines. But is it worth the annual fee? In this article, we’ll break down the pros and cons of the United Credit Card to help you decide.

What are the benefits of the United Credit Card?

The United Credit Card offers a range of benefits that make it an attractive option for frequent flyers.

• 25,000-mile bonus: You’ll earn 25,000 bonus miles after spending $3,000 in the first three months.
• 2X miles on United: Earn 2 miles per dollar on United purchases, including tickets, baggage fees, and in-flight purchases.
• 1X mile on everything else: Earn 1 mile per dollar on all other purchases.
• Airport lounge access: Get access to United’s airport lounges when you fly domestically or internationally.
• Priority check-in, security, and boarding: Enjoy priority check-in, security screening, and boarding.
• United Club membership: Get a complimentary United Club membership, which offers access to airport lounges worldwide.
• No foreign transaction fees: Save on foreign transaction fees with this card.

What are the drawbacks of the United Credit Card?

While the United Credit Card offers many benefits, it’s not without its drawbacks.

• Annual fee: The card comes with an annual fee of $450, which may be a drawback for some.
• High APR: The card has a high APR of 20.99% Variable, which can add up if you carry a balance.
• No 0% intro APR: Unlike some other credit cards, the United Credit Card doesn’t offer a 0% intro APR for purchases or balance transfers.
• Limited travel insurance: While the card offers some travel insurance benefits, it’s limited compared to other travel credit cards.

Who is the United Credit Card suitable for?

The United Credit Card is suitable for:

• Frequent flyers: If you fly frequently with United Airlines, this card offers a range of benefits that can enhance your travel experience.
• Travel enthusiasts: If you travel frequently and want to earn miles and points, this card is a great option.
• United Airlines elite members: If you’re a United Airlines elite member, this card offers additional benefits that can help you earn elite status and enjoy exclusive perks.

Who should avoid the United Credit Card?

The United Credit Card may not be suitable for:

• Occasional flyers: If you only fly occasionally, the annual fee may not be justified by the benefits you receive.
• Those who don’t travel: If you don’t travel frequently, the card’s rewards program and benefits may not be worth the annual fee.
• Those who have other credit cards with better benefits: If you already have a credit card with better benefits, such as a 0% intro APR or more generous rewards program, the United Credit Card may not be the best option for you.

In conclusion

The United Credit Card is a great option for frequent flyers who want to earn miles and points and enjoy exclusive travel perks. While it comes with an annual fee, the benefits it offers can be valuable for those who travel frequently. However, it’s not suitable for everyone, and you should consider your travel habits and credit card needs before applying.

Here’s a summary of the United Credit Card’s benefits and drawbacks:

United Credit Card Benefits

United Credit Card Drawbacks

We hope this article has helped you decide whether the United Credit Card is worth it for you.