United Credit Cards Are Changing: What to Expect and How to Adapt

United Airlines has made big changes to its co-branded credit cards, adding higher annual fees, new ways to earn rewards, and more travel benefits. These changes might be good for people who fly a lot because they get more benefits like access to lounges and better insurance. However, they also come with new costs and stricter rules for redeeming points, which might make them less appealing to people who only fly occasionally. If you want to know if your United credit card still fits with your spending habits and travel goals, you need to know about these changes. This is true whether you’ve been a MileagePlus member for a long time or just have a general travel rewards card.

Updates to United Credit Cards

Recent modifications affect multiple aspects of United’s credit card offerings, from earning potential to redemption policies. While some of these updates enhance benefits for travelers, others impose stricter conditions that could impact the value of holding certain cards.

Annual Fees Are Increasing

Many United credit cards now have higher annual fees, a shift that aligns with broader trends in the travel credit card industry. These increases vary depending on the card but generally range from $50 to $100 more per year.

For example, the United Club℠ Infinite Card, known for its premium perks, now carries a steeper price tag. However, the added benefits accompanying the fee hike may justify the additional cost for those who frequently travel with United.

Earning Rates Have Been Adjusted

United has made notable changes to its rewards structure, allowing cardholders to earn more miles on certain types of purchases. However, not all spending categories have seen improvements. Some everyday purchases may now earn fewer miles than before.

For frequent travelers and those who spend heavily on dining, these changes may translate into a more rewarding experience. However, those who use their card for general expenses may need to reevaluate whether their spending habits align with the new structure.

Expanded Travel Benefits and Perks

In an effort to enhance the overall experience for cardholders, United has introduced additional travel-related benefits. These upgrades may make certain cards more appealing to those who frequently fly with the airline.

• Greater Lounge Access: Cardholders eligible for United Club entry can now enjoy increased access at select airport locations.
• Enhanced Travel Insurance: Additional protections, including more extensive trip cancellation and rental car coverage, provide peace of mind for travelers.
• Priority Services: Some cardholders will benefit from improved boarding privileges and expanded free checked bag allowances.

While these perks add value, they are most beneficial for those who regularly travel with United. Those who do not frequently take advantage of these benefits may find it difficult to justify the higher annual fees.

---

Voted "Best Overall Budgeting App" by Forbes and WSJ

Monarch Money helps you budget, track spending, set goals, and plan your financial future—all in one app.

Get 50% OFF your first year with code MONARCHVIP

View More

---

Redemption Policies Are Becoming Stricter

One of the most notable adjustments involves the way MileagePlus points can be redeemed. Some reports suggest that United is introducing higher redemption thresholds for certain award flights, particularly during peak seasons. This means that while earning miles may have become easier in some cases, using them effectively could require more planning and flexibility.

Additionally, changes to expiration policies and booking restrictions may make it more challenging to secure desirable travel rewards. Those who rely heavily on award travel should monitor these updates closely to avoid surprises when redeeming miles.

How These Changes Affect Cardholders

With increased fees and modified rewards structures, cardholders should take a closer look at how their current United credit card aligns with their spending habits and travel preferences. Here are some factors to consider:

• Does the new rewards structure align with your spending? Those who frequently spend on travel and dining may benefit, while those with diverse spending habits might find the updated earning rates less favorable.
• Are the higher fees justified by the added perks? If lounge access, priority boarding, and improved travel insurance are valuable to you, the additional cost may be worthwhile. Otherwise, it might be time to consider other options.
• Will the stricter redemption policies impact your ability to use miles? If award flights now require more points or have limited availability, those who rely on them should explore whether the program still meets their needs.

Maximizing the Benefits of These Changes

Adapting to these modifications can help ensure that you continue to get the most value from your credit card.

• Adjust spending habits to match the new rewards structure: Use your card for purchases that earn the highest mileage bonuses.
• Take full advantage of travel perks: If your card offers lounge access, priority boarding, or improved travel insurance, make sure to utilize them whenever possible.
• Monitor point redemptions: Stay informed about MileagePlus program changes to make strategic redemption decisions.

For those who find that the costs now outweigh the benefits, it may be time to explore alternative travel credit cards that provide comparable perks with lower fees.

Conclusion

Changes to United’s credit cards are part of a bigger trend in the travel rewards industry, where benefits are getting better but costs are going up. Some people may find that these changes make their card more useful, while others may find that it no longer meets their financial needs.

You can decide whether to keep your current card, switch to a different United offering, or look into a different travel rewards card that better fits your financial goals by looking at how these changes affect how you spend money and travel.

Frequently Asked Questions

Why did United increase the annual fees on its credit cards?

United’s fee increase aligns with industry trends aimed at funding enhanced travel perks and rewards. The higher annual fees help offset expanded lounge access, improved travel protections, and better earning potential in specific spending categories.

Which United credit cards are affected by the fee changes?

Most co-branded United cards, including the United Club℠ Infinite Card, United Quest℠ Card, and United Explorer℠ Card, have seen adjustments to their fees and benefits. Specific details vary by card.

What are the new earning rates on United credit cards?

While details depend on the card, many now offer increased miles on travel and dining purchases. However, some everyday categories may now earn fewer miles, so it’s important to review the updated terms of your specific card.

Are the new travel benefits worth the higher cost?

They can be, especially for frequent United travelers. Perks like expanded lounge access, enhanced insurance coverage, and priority services may justify the fee for those who use them regularly. Infrequent travelers may not find the same value.

How have the MileagePlus redemption rules changed?

Some award flights, especially during high-demand periods, now require more miles. Redemption restrictions may also be tighter, with limited availability or stricter booking policies. Users should plan ahead to maximize redemption value.

Can I downgrade or switch to a different United credit card?

Yes, many card issuers allow you to switch to a lower-tier card with reduced fees. Contact your credit card issuer to explore downgrade or product change options that better suit your needs.

What if I no longer find value in my United credit card?

If the changes don’t align with your travel habits or spending, consider alternative travel cards that offer competitive rewards, lower annual fees, or more flexible redemption options. Always evaluate how well a card fits your goals before switching.

Will these changes impact how I earn or keep elite status with United?

Not directly, but spending on United cards can contribute toward Premier Qualifying Points (PQP), which help with elite status. Review your card’s terms to see how your spending may support your loyalty tier progression.

How can I track changes to the United MileagePlus program?

Visit United’s official MileagePlus website or log into your card issuer’s dashboard. Signing up for email alerts and regularly checking your account terms can help you stay informed about policy updates.

Join a vibrant community with the sole mission to achieve financial independence.

View more

Reviewed and edited by Albert Fang.

See a typo or want to suggest an edit/revision to the content? Use the contact us form to provide feedback.

At FangWallet, we value editorial integrity and open collaboration in curating quality content for readers to enjoy. Much appreciated for the assist.

---

Did you like our article and find it insightful? We encourage sharing the article link with family and friends to benefit as well - better yet, sharing on social media. Thank you for the support! 🍉

Article Title: United Credit Cards Are Changing: What to Expect and How to Adapt

https://fangwallet.com/2025/07/20/united-credit-cards-are-changing-what-to-expect-and-how-to-adapt/

---

The FangWallet Promise

FangWallet is an editorially independent resource - founded on breaking down challenging financial concepts for anyone to understand since 2014. While we adhere to editorial integrity, note that this post may contain references to products from our partners.

The FangWallet promise is always to have your best interest in mind and be transparent and honest about the financial picture.

---

---

Become an Insider

Subscribe to get a free daily budget planner printable to help get your money on track!

Make passive money the right way. No spam.

* indicates required

First Name

Email Address *

/* real people should not fill this in and expect good things - do not remove this or risk form bot signups */

---