Cool things for the rest of us: 6 innovations United Airlines is bringing to its coach cabins

This past week, United Airlines announced a lot of news that was geared heavily toward travelers willing to pay top dollar.

Look no further than the airline's most high-end plane yet — complete with a brand-new Polaris product and a whopping 99 total premium seats.

Plus, the airline announced lie-flat suites for two new aircraft configurations it unveiled, along with what might be the fanciest regional jet in America.

SEAN CUDAHY/THE POINTS GUY

But the airline has also been busy rolling out some intriguing new developments for the coach cabin that, if we're being honest, will affect a lot more travelers than any bells or whistles at the front of the plane.

Here's some of what caught our eye.

A couch in the sky

The most exciting update was the reveal of United's new "Relax Row."

It'll allow passengers to turn three economy seats into a bed. The airline is framing this as a great way for families traveling together to catch some shut-eye inflight.

SEAN CUDAHY/THE POINTS GUY

United plans to price its Relax Row as an add-on option for travelers who book an entire row. Expect the best pricing for groups of three traveling in three separate seats.

This should be a similar product to what Air New Zealand has offered for years.

The Chicago-based airline plans to debut its Relax Row on its Boeing 787 Dreamliners and certain large Boeing 777s and is planning to install this setup on 200 planes by 2030.

Most planes will have around nine of these Relax Rows, but some jets could have up to a dozen.

What does Relax Row get you beyond a "bed" in the sky? The product will come with a children's stuffed toy and extra bedding.

Starlink Wi-Fi

OK, this wasn't a new announcement this past week, but we'd be remiss not to mention it — because it might be the biggest onboard development of all.

As TPG has reported extensively, United is in the process of rolling out Starlink Wi-Fi to its planes.

If you haven't flown with an airline that offers Starlink, it might be the fastest onboard internet in the marketplace today.

I've been able to stream video, view a Zoom meeting and get work done (simultaneously) without interruption on aircraft with the technology.

Trying out United Airlines' Starlink Wi-Fi service in May 2025. SEAN CUDAHY/THE POINTS GUY

On planes equipped with the service, it's complimentary for United MileagePlus members.

United has said that it expects to have Starlink on at least 800 jets by the end of this year.

We should note that the carrier isn't alone in adding Starlink service: Among other U.S. airlines, Hawaiian Airlines has it on Airbus planes today. Hawaiian's sister carrier, Alaska Airlines, just started installing the service. Southwest Airlines also recently announced it's outfitting its aircraft with the necessary equipment for Starlink service.

Better earbuds and blankets

From the high-tech and expensive to the practical: United this week said it would start offering a "softer, more stylish blanket" and "new, higher quality earbuds" with better audio in its coach cabins on longer flights.

While neither will offer the comfort of a lie-flat seat or premium economy recliner, both should make a long-haul trip in coach a little more comfortable.

SEAN CUDAHY/THE POINTS GUY

That said, I tend to opt for my own headphones when I connect to United's seatback screens. The carrier is in the process of rolling out Bluetooth connectivity across its fleet, which makes it easy to connect listening devices like Apple AirPods.

As for travelers who forget their headphones? Hopefully, better earbuds will prevent travelers from playing TikTok videos with the volume cranked up for all to hear — that's now (officially) a no-no on United's planes.

Onboard snack bars

If you're a frequent Polaris or Premium Plus traveler, the upscale seats on United's new Airbus A321 Coastliner and A321XLR planes may have stolen the show when the carrier announced two new aircraft configurations this past week.

Polaris Suite that will debut on United Airlines' Airbus A321XLR and A321 Coastliner planes. SEAN CUDAHY/THE POINTS GUY

But if you tend to fly in economy, two words may have caught your eye: snack bar.

Snack bar on United Airlines' Airbus A321XLR. UNITED AIRLINES

The airline plans to add walk-up concession stations for its economy cabin on these spiffy new jets.

United will fly its Coastliner on prime transcontinental routes, especially those from its Newark Liberty International Airport (EWR) hub.

UNITED AIRLINES

Its XLR planes are headed to Europe.

Both will replace aging Boeing 757s.

Tiny planes, big (enough) overhead bins

Finally, much of the buzz about United this past week centered on one of its tiniest planes.

The carrier announced a newly configured regional jet it's calling the CRJ-450.

Again, headlines around this United Express jet mostly dealt with the front of the plane — it'll have first-class seats, which is a novelty for a plane of this size. Additionally, first-class passengers will have spacious lockers instead of overhead bins.

United Airlines CRJ-450. SEAN CUDAHY/THE POINTS GUY

That's great — if you fly in first class.

As for the back of the plane? There will be overhead bins — and United said they'll actually be large enough to fit rollaboard bags. That's typically far from a given on really small regional jets like this 41-seater; usually, if your bag has wheels on an aircraft like this, you have to valet tag it and wait for it after landing.

Economy cabin on a United Airlines CRJ-450. SEAN CUDAHY/THE POINTS GUY

That should happen a lot less on this plane and the many other regional jets United is already outfitting with the more spacious bins.

Related reading:

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Is the Marriott Bonvoy Brilliant Amex worth the $650 annual fee?

When a credit card's annual fee runs into the hundreds of dollars, many people raise an eyebrow and question whether its benefits justify that fee.

That's certainly the case with the Marriott Bonvoy Brilliant® American Express® Card — the most premium card in the Marriott credit card family. This card has a set of impressive benefits, but also charges a $650 annual fee (see rates and fees).

The truth is, cobranded hotel cards usually aren't the best for maximizing your spending beyond purchases with a given hotel chain. But when a credit card offers a free night award each year and elite status that can provide suite upgrades and complimentary breakfast, that can easily justify the annual fee for some travelers.

The Hilton Honors American Express Aspire Card proves that it's possible to get significant value from at least one premium hotel card. Let's break down whether the same holds true for the Marriott Bonvoy Brilliant.

Welcome bonus

Let's start with the welcome offer to see if the card is worth it.

With the Marriott Bonvoy Brilliant Amex, you can earn 200,000 bonus points after spending $6,000 on purchases within the first six months of card membership. Offer ends May 13.

TPG's March 2026 valuations place Marriott points at 0.7 cents apiece, meaning this bonus is worth $1,400.

American Express Marriott Bonvoy Brilliant_2025_CCFL
THE POINTS GUY

Some of the best uses of Marriott Bonvoy points include free nights at properties such as The Ritz-Carlton, Turks & Caicos, The West Hollywood Edition and the London Marriott Hotel Park Lane. Those who enjoy winter sports may love ski-adjacent options at The St. Regis Aspen Resort, The St. Regis Deer Valley or The Ritz-Carlton, Bachelor Gulch.

Remember that American Express has restrictions limiting your ability to collect a new welcome bonus if you've had other Marriott products before. Fortunately, a pop-up will let you know if you are not eligible for the bonus when you apply before Amex runs your credit — and our chart can help clarify things as well.

Related: From Lake Como to the Grand Canyon: 10 Marriott Bonvoy hotels you can book with 200,000 points

Annual free night award

Each year after your card renewal month, you'll receive a free night award worth up to 85,000 points. (Certain hotels have resort fees.)

If you need some inspiration, that could include staying at the luxurious St. Regis New York in the U.S. or The Ritz-Carlton, Kyoto in Japan.

That said, due to Marriott's dynamic pricing model, you'll want to do a flexible date search to find nights that cost 85,000 or fewer points.

a ladder from the ocean leads up to an overwater bungalow
The Ritz-Carlton Maldives, Fari Islands. CHRIS DONG/THE POINTS GUY

The annual free night award has significant value, but it's also worth pointing out that you can only use this award to stay for a single night. This could be challenging if you plan to stay for two nights or longer.

You can also top up these awards with up to 25,000 points from your Bonvoy points balance.

If you maximize this award night and stay at a property costing 85,000 points, you have three less-than-ideal options for subsequent nights:

  • Move to a different hotel
  • Pay 85,000 points per night from your Marriott balance
  • Pay the cash fee (which can be quite high)

For this reason, people have differing opinions on the value of free night awards that are worth a single night at a luxury property.

Related: Places to maximize an 85,000-point Marriott award night certificate

Annual dining credits

Marriott Bonvoy Brilliant Amex cardmembers receive up to $300 each calendar year in statement credits for dining purchases at restaurants worldwide. This benefit is divided into monthly increments of up to $25.

This credit can be slightly complicated to use, as you must remember to use it each month. We recommend setting a reminder on your phone or using a spreadsheet to track your card benefits.

A Hotel breakfast buffet inside a dining room
The Miami Beach Edition. NICK ELLIS/THE POINTS GUY

That said, just about everyone spends at least $25 per month at restaurants, so as long as you remember to use the credits each month, this can help to offset nearly half of the card's $650 annual fee.

Another small bonus? Credits tend to post to your account fairly quickly.

Related: How to use Marriott Bonvoy Brilliant's $25 monthly dining credit

Elite status and related perks

The card offers automatic Marriott Platinum Elite status, which is one of the best sweet-spot hotel elite statuses and the level where valuable perks start to kick in.

Platinum Elite members are eligible for 4 p.m. late checkout and early check-in (when available), plus room upgrades based on availability at arrival — including eligibility for upgrades to suites. At the Platinum Elite level, you also have access to welcome gifts at check-in and free breakfast at select properties.

Breakfast at Le Meridien Maldives
Le Méridien Maldives. KATIE GENTER/THE POINTS GUY

Note that you can only earn one set of elite night credits from personal Marriott cards, regardless of how many you have. However, this benefit can stack with the 15 elite night credits given to cardmembers of a Marriott business card — like the Marriott Bonvoy Business® American Express® Card.

If you're shooting for Titanium Elite status, you'll need 75 qualifying elite night credits. The 40 elite credits you'd get from holding both the Brilliant and the Business cards will get you over halfway there.

Related: Your complete guide to earning Marriott elite status with credit cards

Other perks

Other built-in perks of the Marriott Bonvoy Brilliant card include a Priority Pass Select membership and an application fee credit for Global Entry or TSA PreCheck ($120 statement credit every four years for Global Entry or up to an $85 statement credit every 4½ years for TSA PreCheck; enrollment is required for select benefits).

It is important to note that the Priority Pass membership does not include non-lounge visits, such as to restaurants.

The Priority Pass membership is not a massive value-add if you already receive the benefit through other cards. However, if you already have Global Entry or TSA PreCheck because you received a statement credit for the application fee with another credit card, you can use this credit to cover a friend's or family member's application fee.

TSA PreCheck line
DAVID TRAN/GETTY IMAGES

The Marriott Bonvoy Brilliant Amex's earning structure is similar to the other Marriott cards. Cardmembers earn:

The Bonvoy Brilliant also comes with up to $100 in property credits when you book a minimum two-night stay with Ritz-Carlton or St. Regis.

Related: Earn bonus Marriott points on your Uber rides and food delivery orders

Bottom line

While it might not be the best card for everyday spending, there's plenty of value in the Marriott Bonvoy Brilliant if you frequently stay at Marriott properties and place value in the elite perks the card offers.

Depending on how you value these benefits, you may find significant value in the status, up to $300 in dining credits each calendar year and a useful free night award. Still, you may also think the annual fee is too steep because you don't see yourself maximizing said benefits.

To learn more, read our full review of the Marriott Bonvoy Brilliant.


Apply here: Marriott Bonvoy Brilliant American Express Card


For rates and fees of the Marriott Bonvoy Brilliant Amex, click here.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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What to pack in a carry-on bag every time you travel

Whether you are Team Carry-On or you always check a bag, there are certain items that you should keep with you when you fly. Some of these items can make your flight more comfortable and entertaining, while others are helpful to have with you if your checked luggage gets lost or your flight gets delayed.

Here are the essential items you should never pack in your checked luggage so you have them close when you need them.

Identification documents

TANG MING/GETTY IMAGES

This one should go without saying: Your identifying documents, such as a passport or valid driver's license, are among the most important items to keep close when traveling, especially abroad.

To protect your passport from tears and spills, it's smart to carry it in a passport wallet. Some even come with a hidden AirTag pocket to keep tabs on your passport if you misplace it.

Buy: Allive leather passport holder with AirTag hidden pocket

If you're traveling domestically and don't need a passport, those 18 and older still need a Real ID-compliant form of identification to pass through security at U.S. airports.

The Transportation Security Administration website lists all accepted forms of identification.

Once you've reached your destination, you'll likely need to show some form of ID to check into a hotel or rent a car. When traveling internationally, the U.S. government recommends carrying a picture of your passport while keeping your actual passport (and other valuables) securely locked in your room (in a hotel safe, if available).

Additionally, the U.S. Department of State advises travelers to print travel itineraries and other important documents in case their phone gets damaged or Wi-Fi access is difficult.

Phone

Girlfriends using mobile phone at the airport
LORHENRIVOTON/GETTY IMAGES

A phone is helpful for making calls and texts abroad, especially if you have a plan with international data.

It can also help you navigate unfamiliar cities, book ride-hailing services and make dining reservations.

Related: Frequent Uber or Lyft user? These are the best credit cards for you

Phone charger with a travel adapter

Traveling with your phone also means charging it more frequently, which is only possible if you've brought the right charger and any necessary adapters (when applicable).

If you travel with a suitcase that includes a battery pack for charging, remember that it must comply with TSA guidelines.

Keep your electronics and chargers in a carry-on for easy access on the plane, but be aware of your airline's policies on portable chargers before using one on your flight. Many airlines offer in-seat power outlets.

Charging while flying ensures your phone is fully charged before you exit the plane, minimizing the risk of a dead battery en route to your hotel or other accommodations. Since your room may not be available for check-in when you arrive, charging inflight also ensures your phone is fully charged if you have to wait.

This is also helpful if you have a lengthy layover between flights, since airport charging stations can be hard to find.

Buy: Epicka universal travel adapter

Headphones (wireless and wired)

JOSE LUIS PELAEZ INC/GETTY IMAGES

You should always have at least one pair of headphones when you travel, but it doesn't hurt to have two (one wireless and one not) since wireless ones may run out of battery and, in many cases, won't be able to connect to the inflight entertainment screen on your plane (though some airlines are finally introducing this technology).

Buy: Beats Studio Pro headphones

Buy: Apple AirPods Pro

Multicharging device

In addition to your phone, your other devices, like an iPad or Apple Watch, may require separate chargers. To reduce the load, consider purchasing a charging device that lets you charge multiple devices at once.

We also recommend keeping all your chargers in their own bag or pocket within your smaller carry-on item — preferably the one that sits under the seat for easy access.

Buy: Anker MagSafe-compatible MagGo UFO 3-in-1 charger

Change of clothes

PABLO JEFFS MUNIZAGA-FOTOTREKKING/GETTY IMAGES

Travel hiccups are sometimes unavoidable, and if all your clothes are in your checked luggage, you may find yourself stranded without a change of clothing.

This is the kind of scenario that always seems like it won't happen to you until it does.

We recommend throwing in a grocery bag or large zip-close bag for dirty clothes in your suitcase, or using a suitcase that comes with a reusable laundry bag.

You'll appreciate having easy access to a fresh change of clothes, especially on long-haul flights or ones with long layovers. It's particularly helpful to have another set of clothes when you can freshen up in an airport lounge or an aircraft with showers.

Even if your flight is short and direct, it's still good idea to pack a change of clothes in your carry-on in case your baggage gets delayed.

Buy: Zcyxuuw wet bag

Reusable water bottle

water bottle in a backpack
TARAH CHIEFFI/THE POINTS GUY

Another item we recommend traveling with is a reusable water bottle. Just make sure the bottle is empty before you pass through airport security since most airports limit the amount of liquids you can take through security.

Once you head to your gate in the postsecurity area, you'll usually find free water refill stations, including some with filtered water.

Keep in mind that flying can dehydrate you, especially if you're drinking alcohol. It's important to pay attention to your water consumption on travel days and make sure you are getting enough.

Considering how much airport stores charge for water and other items, bringing your own water bottle saves money — and eliminates single-use plastic.

Buy: Owala FreeSip insulated stainless steel water bottle

Snacks

As with water, don't rely on airport options or inflight snacks. Sometimes, when traveling, food outlets may not be available or open when you need them.

A couple of our favorite travel snacks include these chicken sticks and this popcorn.

Prescriptions and other medications

PYROSKY/GETTY IMAGES

If you take medication daily, it's important to first check that your particular medication won't get you into trouble in the country you're visiting. If you're in the clear, pack any prescription medications in your carry-on bag, and put any frequently used over-the-counter medications, such as pain relievers and allergy medicine, in a travel pill organizer.

Buy: FYY travel pill organizer

You may also want to pack a few extra pairs of contact lenses or first-aid items such as bandages, antibiotic ointment and antacids just in case.

Buy: Welly first-aid kit

Assistance items

If you're a senior traveler or someone who requires assistance, do not keep any assistive items or medical devices, such as a walking stick or handicapped placard, out of reach.

A good rule of thumb: If it's anything you can't live without for half a day or more, put it in your carry-on.

Hand sanitizer, wipes, paper towels and tissues

CHALABALA/GETTY IMAGES

Many travelers carry hand sanitizer and sanitary wipes to clean seats, tray tables and seat belts upon boarding.

These items are small and can easily fit in your carry-on bag. Ensure your hand sanitizer does not exceed the 3.4-ounce or 100-milliliter size requirement.

Buy: Touchland hand sanitizer spray

Other items to consider bringing in your carry-on are paper towels and a washcloth in case of spills or other situations where you need to dry your hands.

You might be able to find tissues at airports and on planes, but they're likely not of great quality. Tissues are small enough to pack a few in your carry-on bag in case of unforeseen circumstances.

Valuables

Beyond your phone and important travel documents, keep your most valuable items, including jewelry, close to you while traveling.

Depending on how important they are to you, these items would fall under the "hard to replace if not irreplaceable" category.

Cash

Even if you don't routinely carry cash, we recommend bringing some when you travel for cabs, hotel and restaurant tips, small souvenir items, tickets and other unforeseen costs.

And remember, it's always the cheapest to pay in the local currency versus U.S. dollars when using a credit card. For cash purchases, it depends on the purchase price and conversion rate.

Kindle or a good book

AMAZON

Even if your aircraft is equipped with hundreds of hours of entertainment, it may be unavailable at times. There's also plenty of downtime while flying, such as queuing to board or check in, and waiting at the gate.

If you're someone who doesn't jump up the second the seat belt sign is turned off to stand awkwardly in the aisle for several minutes, that's some spare time, too.

Depending on where you are, you may not have a cellular signal or stable Wi-Fi to pass the time.

A trusty Kindle or a hardcover book is a great way to pass the time in these situations.

Buy: Kindle 16 gigabytes

Something warm to wear

Even if you are flying somewhere warm, airplanes can get cold.

Always pack something that folds down small — like a throw, shawl, pashmina or light windbreaker-style jacket — into your carry-on luggage.

Bottom line

Once you've decided on the most essential items to keep with you while traveling, be sure to decide what carry-on luggage makes the most sense for them to go in.

For example, if you have a carry-on bag for the overhead bin and a smaller personal item that fits under the seat in front of you, think about which items you might need most often throughout the flight and place them in the smaller bag. For everything else, you can always retrieve items from your larger bag from the overhead bin.

Related reading:

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Should you pay your rent or mortgage with Bilt? We crunch the numbers

One of the biggest monthly expenses for many consumers is their rent or mortgage payment. Some landlords and mortgage providers may accept credit card payments. But, since Bilt Rewards offers a fee-free way to pay most rent and mortgage payments and earn Bilt Points on your payments, it's worth considering.


Not a member? Join Bilt Rewards now to start earning and redeeming Bilt points.


Bilt points are a valuable currency based on TPG's February 2026 valuations. So here's what you need to know about earning Bilt points on rent and mortgage payments, including whether it's a good idea to do so.

How to earn Bilt points on housing payments without using a Bilt card

You can earn Bilt points on rent and mortgage payments even if you don't have a Bilt card.

Specifically, if you pay rent through Bilt with a non-Bilt Visa, Mastercard, American Express or Discover credit card, you'll usually earn 1 point per $2 spent (excluding rent payment fees).

However, if you pay your rent through Bilt using an eligible Atmos Rewards card, you'll earn 3 Atmos Rewards points per dollar spent on each rent payment (on up to $50,000 per year). And if you pay your rent through Bilt using an eligible United MileagePlus card, you'll earn 2 United Airlines miles per dollar spent on each rent payment (on up to $50,000 per year).

If you pay rent through Bilt with a debit card or any other type of credit card, you'll earn 250 points per monthly rent payment.

Young Son Helping Parents to Unload a Cargo Van with Furniture and Accessories for Their New Home in SUccessful Residential Area. Kid Bringing a Plant to His Mother. Family Moving to Their New Home.
JOHNNYGREIG/GETTY IMAGES

Meanwhile, if you pay your mortgage through Bilt without using a Bilt card, you'll earn 100 points per contractual mortgage payment made via automated clearing house transfer, 250 points per payment made with a debit card and 1 point per $2 spent per payment with a non-Bilt Mastercard (excluding mortgage payment fees).

Non-Bilt cards incur a 3% processing fee, though, while debit card payments incur a flat $9.95 fee.

Related: New Bilt 2.0 cards have arrived: How you can earn points on rent, mortgages and more

Using a Bilt card to earn points on housing payments

Luckily, you can earn more points on housing payments and avoid fees by using a Bilt card.

If you have the Bilt Blue Card (see rates and fees), Bilt Obsidian Card (see rates and fees) or Bilt Palladium Card (see rates and fees), you'll earn Bilt points on nonhousing purchases with your card.

person holding bilt card
BILT

But cardholders also earn bonus rewards, and these rewards can let you earn Bilt points on housing payments without any transaction fees. The bonus rewards are Bilt Cash or housing-only rewards, and you must choose one of these when you activate your card. However, you can switch your bonus rewards choice each month.

Here's a look at each option, including how each lets you earn Bilt points on housing payments. Regardless of your choice, keep in mind that your rent or mortgage payment will not be applied to your Bilt card's credit line. Instead, Bilt will automatically debit the rent or mortgage charges from your bank account via an automated clearing house transfer.

The Bilt Cash pathway to earning Bilt points on housing payments

If you opt for the Bilt Cash pathway to earning Bilt points on housing payments, you'll earn 4% back in Bilt Cash on all nonhousing purchases with your Bilt card. You can then redeem Bilt cash for various rewards, including unlocking Bilt points on housing payments. You can redeem Bilt Cash at a rate of 3 cents per point to unlock up to 1 point per dollar spent on Bilt housing payments each month.

So, if your monthly housing payment is $1,000, you could redeem up to $30 of Bilt Cash per month to unlock up to 1,000 Bilt points per month. You'd need to spend $750 on nonhousing purchases with your Bilt Card to earn $30 of Bilt Cash.

Related: Everything you need to know to set up your Bilt card for paying rent

The housing-only rewards pathway to earning Bilt points on housing payments

If you opt for the housing-only rewards pathway to earning Bilt points on housing payments, you won't earn Bilt Cash on nonhousing purchases with your Bilt card. However, you will automatically earn Bilt points on Bilt housing payments with no transaction fee.

The rate at which you earn points on Bilt housing payments is based on your everyday spending as a percentage of your monthly rent or mortgage, as follows:

  • Less than 25%: 250 Bilt points per billing cycle
  • At least 25%, but less than 50%: 0.5 points per dollar spent on Bilt housing payments
  • At least 50%, but less than 75%: 0.75 points per dollar spent on Bilt housing payments
  • At least 75%, but less than 100%: 1 point per dollar spent on Bilt housing payments
  • At least 100%: 1.25 points per dollar spent on Bilt housing payments

So, if your monthly housing payment is $1,000, you'd need to spend at least $1,000 per month in nonhousing expenses on your Bilt card to earn 1.25 points per dollar spent on your Bilt housing payment (which would be 1,250 points). Meanwhile, if you spent at least $750 but less than $1,000 per month, you'd earn 1 point per dollar spent on your Bilt housing payment (1,000 points). Of course, the amount you'd need to spend on nonhousing expenses changes depending on your monthly housing payment.

Related: I earned points paying my mortgage via Bilt — how to set up your account to do the same

Should you choose Bilt Cash or housing-only rewards?

The calculation of whether to choose Bilt Cash or housing-only rewards is based on your monthly housing payment, how you'll redeem Bilt Cash and how much you spend on nonhousing purchases with your Bilt card.

I highly recommend using our Bilt Calculator to see what's best for you. But, if you prefer, you can also check out the following scenarios to see how the math plays out. In each scenario, we focus on monthly nonhousing spending amounts around the thresholds for housing-only rewards, as this is where you can see the biggest differences.

Monthly housing payment of $500

Assuming you have a monthly housing payment of $500, here's how the math would work out for both Bilt Cash and housing-only rewards.

Monthly nonhousing spending on your Bilt card Bilt Cash earned on nonhousing spending Value of points unlocked on housing payments based on TPG's Feb. 2026 valuations plus remaining Bilt Cash Points earned on $500 monthly housing payment as housing-only rewards Value of points earned as housing-only rewards based on TPG's Feb. 2026 valuations
$0 $0 $0 250 points $5.50
$125 $5, which could be redeemed to unlock 166 Bilt points on housing payments per month $3.65 250 points $5.50
$250 $10, which could be redeemed to unlock 333 Bilt points on housing payments per month $7.33 375 points $8.25
$375 $15, which could be redeemed to unlock 500 Bilt points on housing payments per month $11 500 points $11
$500 $20, $15 of which could be redeemed to unlock 500 Bilt points on housing payments per month $16 625 points $13.75
$1,000 $40, $15 of which could be redeemed to unlock 500 Bilt points on housing payments per month $36 625 points $13.75

Monthly housing payment of $1,000

Assuming you have a monthly housing payment of $1,000, here's how the math would work out for both Bilt Cash and housing-only rewards.

Monthly nonhousing spending on your Bilt card Bilt Cash earned on nonhousing spending Value of points unlocked on housing payments based on TPG's Feb. 2026 valuations plus remaining Bilt Cash Points earned on $1,000 monthly housing payment as housing-only rewards Value of points earned as housing-only rewards based on TPG's Feb. 2026 valuations
$0 $0 $0 250 points $5.50
$250 $10, which could be redeemed to unlock 333 Bilt points on housing payments per month $7.33 500 points $11
$500 $20, which could be redeemed to unlock 666 Bilt points on housing payments per month $14.65 750 points $16.50
$750 $30, which could be redeemed to unlock 1,000 Bilt points on housing payments per month $22 1,000 points $22
$1,000 $40, $30 of which could be redeemed to unlock 1,000 Bilt points on housing payments per month $32 1,250 points $27.50
$1,500 $60, $30 of which could be redeemed to unlock 1,000 Bilt points on housing payments per month $52 1,250 points $27.50

Monthly housing payment of $2,000

Assuming you have a monthly housing payment of $2,000, here's how the math would work out for both Bilt Cash and housing-only rewards.

Monthly nonhousing spending on your Bilt card Bilt Cash earned on nonhousing spending Value of points unlocked on housing payments based on TPG's Feb. 2026 valuations plus remaining Bilt Cash Points earned on $2,000 monthly housing payment as housing-only rewards Value of points earned as housing-only rewards based on TPG's Feb. 2026 valuations
$0 $0 $0 250 points $5.50
$500 $20, which could be redeemed to unlock 666 Bilt points on housing payments per month $14.65 1,000 points $22
$1,000 $40, which could be redeemed to unlock 1,333 Bilt points on housing payments per month $29.33 1,500 points $33
$1,500 $60, which could be redeemed to unlock 2,000 Bilt points on housing payments per month $44 2,000 points $44
$2,000 $80, $60 of which could be redeemed to unlock 2,000 Bilt points on housing payments per month $64 2,500 points $55
$3,000 $120, $60 of which could be redeemed to unlock 2,000 Bilt points on housing payments per month $104 2,500 points $55

Monthly housing payment of $4,000

Assuming you have a monthly housing payment of $4,000, here's how the math would work out for both Bilt Cash and housing-only rewards.

Monthly nonhousing spending on your Bilt card Bilt Cash earned on nonhousing spending Value of points unlocked on housing payments based on TPG's Feb. 2026 valuations plus remaining Bilt Cash Points earned on $4,000 monthly housing payment as housing-only rewards Value of points earned as housing-only rewards based on TPG's Feb. 2026 valuations
$0 $0 $0 250 points $5.50
$1,000 $40, which could be redeemed to unlock 1,333 Bilt points on housing payments per month $29.33 2,000 points $44
$2,000 $80, which could be redeemed to unlock 2,666 Bilt points on housing payments per month $58.65 3,000 points $66
$3,000 $120, which could be redeemed to unlock  4,000 Bilt points on housing payments per month $88 4,000 points $88
$4,000 $160, $120 of which could be redeemed to unlock 4,000 Bilt points on housing payments per month $128 5,000 points $110
$6,000 $240, $120 of which could be redeemed to unlock 4,000 Bilt points on housing payments per month $208 5,000 points $110

Takeaways

  • Choose housing-only rewards for the 250 Bilt points per billing cycle if you plan to spend less than $137.50 ($187.50 if you'd redeem points to unlock Bilt points on housing payments) on nonhousing purchases with your Bilt card each month.
  • It's often better to select housing-only rewards if you'll aim your monthly nonhousing spending on your Bilt card to barely surpass the 25% or 50% thresholds for the ratio of nonhousing spending to housing spending.
  • Once you surpass the 50% threshold for the ratio of nonhousing spending to housing spending, you'll usually be better off earning Bilt Cash.

Keep in mind that the calculation also depends on whether you'll redeem Bilt Cash to unlock points on housing payments. After all, while TPG's February 2026 valuations peg the value of Bilt points at 2.2 cents each, you can only unlock Bilt points on housing payments by redeeming Bilt Cash at a rate of 3 cents per point.

Related: How good are Bilt's first-ever welcome offers? Earn up to 50,000 points

Should you pay your rent or mortgage with Bilt?

If you have monthly rent or mortgage payments, it may make sense to get a Bilt card and use it to pay your rent or mortgage. After all, you don't have to pay transaction fees on housing payments when you have one of the three Bilt cards and you let Bilt debit the rent or mortgage charges from your bank account via an automated clearing house transfer. Plus, you can earn Bilt points on your housing payments.

Alternatively, if you have an eligible Atmos Rewards card, you may want to use it when paying rent through Bilt as you'll earn 3 Atmos Rewards points per dollar spent on each rent payment (on up to $50,000 per year). You'll have to pay a 3% transaction fee, but this fee may be worth paying if you get good value when redeeming Atmos Rewards points.

In short, consider your other options for paying your rent or mortgage and assess how much value you'll get from each pathway in the Bilt Rewards program. Especially considering that the no-annual-fee Bilt Blue Card (see rates and fees) unlocks the ability to pay rent or mortgages through Bilt with no transaction fees, it may be your best path toward earning rewards on housing payments.

Related reading:

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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How to use GasBuddy to beat rising fuel prices

The conflict in the Middle East has sparked a surge in fuel prices, meaning both daily commutes and summer road trips are getting more expensive.

Thankfully, you can save money on gas by enrolling in loyalty programs offered by major gas companies. That said, your favorite chain may not have the best prices, even with loyalty discounts — or it may not have stations along your road trip route. That's where GasBuddy comes in.

GasBuddy is an app that helps find the cheapest gas near you. Even better, the program's Pay with GasBuddy+ feature can save you more than 20 cents per gallon. Read on to learn everything you need to know about saving money on gas with GasBuddy.

Related: 7 tips to get the most out of a tank of gas

Find the best gas prices near you

The GasBuddy app shows prices at all stations nearby to help you find the best deal on gas. Just download the mobile app and let it see your current location. You can filter by which fuel type you'd like to buy and how far you're willing to drive for gas.

GASBUDDY

There's also a map view.

GASBUDDY

Tap on a gas station to see its pricing for each type of gas. GasBuddy relies on crowdsourcing for pricing data, so prices may not always be accurate. However, we've found that most stations are updated at least once per day; you can see the last update time below the price.

GASBUDDY

GasBuddy will also alert you to flash deals, which you can activate in the app. Some of these require having a membership with the gas station, like this one through Fuel Rewards.

GASBUDDY

GasBuddy can save you money on regular fill-ups, but it's especially useful during long road trips when you need to fill up in unfamiliar locales.

Related: Route 66 road trip planner: The best stops along the way

Save more through Pay with GasBuddy+

When you enroll in Pay with GasBuddy+ and link a bank account, you'll receive a free card in the mail that you can use to pay at the pump anywhere Mastercard is accepted. Transactions will be charged to your linked bank account, and any available discounts will automatically be applied.

GASBUDDY

There are two types of membership. The Standard plan is free to join and guarantees savings of at least 3 cents per gallon, though you may save up to 25 cents per gallon depending on where you fill up. You can save even more with a Premium plan — more on that in a moment.

GASBUDDY

Here are some tips to help maximize Pay with GasBuddy+.

Enroll in a Premium membership if you drive a lot

The Premium option, which costs $9.99 a month or $99 a year, promises savings of at least 20 cents per gallon (on the first 50 gallons monthly, then 5 cents per gallon). Furthermore, Premium members have access to 24-hour roadside assistance from Allstate (twice per year).

It may be worth paying for a Premium membership if you know you're going to drive a lot in a given month. Do the math beforehand to ensure you'll get enough value to offset the fee.

Stack with gas loyalty programs

One of the best features of Pay with GasBuddy+ is that you can stack it with other fuel rewards programs.

For example, you can still enter your Fuel Rewards number at the pump when you use your Pay with GasBuddy+ account. Fuel Rewards Platinum members save 10 cents per gallon at Shell stations, meaning GasBuddy Premium members can theoretically save over 30 cents per gallon at some gas stations.

Related: How to maximize savings with a Shell credit card

Stack with GasBuddy Rewards

Another part of the app, GasBuddy Rewards, lets you earn points by taking surveys, playing games, watching videos, dining out, snapping receipts and more.

GASBUDDY

You can redeem points for digital gift cards or, if you have a Pay with GasBuddy+ membership, redeem them toward additional savings on gas. Two thousand points equate to 10 cents off per gallon, and the savings will automatically apply to your next fill-up.

GASBUDDY

Related: Best road trips in the US

Is it worth using Pay with GasBuddy+ over a credit card?

ISSARAWAT TATTONG/GETTY IMAGES

One downside to Pay with GasBuddy+ is that you must pay with your GasBuddy card, which essentially works like a debit card, so you'll miss out on any credit card rewards. However, depending on which cards you have in your wallet and the savings you can get through GasBuddy, it might make sense to choose GasBuddy.

For instance, the Citi Strata℠ Card (see rates and fees) earns 3 ThankYou Rewards points per dollar spent on gas purchases. Since Citi points are worth 1.9 cents apiece in our March 2026 valuations, that's a return of 5.7%. If you find a station where GasBuddy offers 6 cents or more off, paying with your GasBuddy card makes more sense.

You might consider keeping your GasBuddy card in your wallet alongside one of our top-earning credit cards for gas purchases. Then, every time you fill up, you can do the math to see which offers the best return.

Related: Best credit cards for gas purchases

Bottom line

GasBuddy is a great way to save on fuel, especially when prices spike. Download it and request a Pay with GasBuddy+ card before your next big road trip, and don't forget to stack it with other fuel rewards programs. After all, every cent per gallon counts.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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TSA officers to get paid: Will airport security wait times improve?

The end may be near for the major airport security delays we've seen at airports across the country.

Despite the ongoing partial government shutdown, it appears Transportation Security Administration officers are on the verge of getting a paycheck for the first time in several weeks.

In a social media post Thursday, President Donald Trump directed just-installed Homeland Security Secretary Markwayne Mullin "to immediately pay" TSA officers, citing an "emergency" situation at airports.

The big question now: Whether a paycheck on Friday could bring a swift end to the mass call-outs the TSA has faced in recent weeks, which have led to three- and four-hour security lines at several of the nation's busiest hubs.

TSA officers have been working without pay since Feb. 14 amid a shutdown at DHS.

As of Thursday night, lawmakers had yet to agree to a funding deal that would end the shutdown — and were on the verge of leaving town for a two-week recess. With no deal in place, it appeared the Trump administration had instead opted to use executive action to pay officers.

In a statement late Thursday the nonpartisan U.S. Travel Association "applauded" the move, while cautioning that it would serve as merely a "stopgap measure."

Meanwhile, a lobbying group for the top U.S. airlines said paying TSA officers would "help restore order" at airports.

TSA delays continue to mount

Terminals have been anything but orderly as this shutdown has dragged on.

Flyers have faced the longest average wait times in the nearly 25-year history of the TSA, the agency's top leader said this week.

A security line reaches outside the terminal this week at Hartsfield-Jackson Atlanta International Airport (ATL). MEGAN VARNER/GETTY IMAGES

Hartsfield-Jackson Atlanta International Airport (ATL) and Houston's George Bush Intercontinental Airport (IAH) have been among the hardest hit, with travelers regularly running into four-hour backups on some of the worst days.

Other hubs have had to shutter certain security checkpoints, and fast-tracked services like Clear and TSA PreCheck have been suspended at some terminals.

TSA officials warned some smaller airports may have to suspend service if conditions got much worse.

"We are being forced to consolidate lanes and may have to close smaller airports if we do not have enough offers. It is a fluid, challenging and unpredictable situation," acting TSA administrator Ha Nguyen McNeill testified this week on Capitol Hill.

Will TSA lines get back to normal?

Even if TSA officers get paid in short order, as expected, it's still not certain how quickly airport security checkpoints will bounce back to normal wait times.

One reason for optimism: After last fall's larger federal shutdown finally ended after 43 days, call-outs among air traffic controllers immediately lessened — and flight operations rapidly improved.

Will the same be true of TSA officers?

Travelers, airlines and lawmakers alike can hope.

However, it's important to keep in mind: TSA officers have now had to endure not one — but two — 40-plus day shutdowns since October, going without paychecks during both stretches.

So it's certainly possible it could take some time for TSA checkpoint operations to snap back to normal.

Travelers wait in a security line at Hartsfield-Jackson Atlanta International Airport (ATL). MEGAN VARNER/GETTY IMAGES

And if you're headed to the airport this weekend — especially on Friday and Sunday — I'd continue to prepare for the possibility of longer lines than normal. Here's a rundown of my top tips for getting through security during this unpredictable stretch.

Airlines issue travel waivers

As of late Thursday night, Delta Air Lines had flexible travel waivers in place for customers ATL and New York's John F. Kennedy International Airport (JFK).

United Airlines had done the same for its Houston hub.

And, as TPG reported earlier this week, budget carrier Allegiant Air had granted customers significant flexibility to change their tickets during the shutdown.

TSA app remains unreliable

Also, keep in mind: the TSA's app that typically shows live checkpoint wait times will likely remain unreliable, since it's not updated regularly during a federal shutdown.

And while officers were set to get paid, the agency itself remains technically shut down.

Your bet bet before heading to the airport: continue to check your airport's website and social media feed, and see whether it offers a wait time tracker of its own.

Bottom line

Even beyond this federal shutdown — which, by the way, still technically isn't over — longer-term concerns remain at airports.

Already, some 480 TSA officers have left their jobs since this latest partial federal shutdown began, McNeill testified this week.

And considering it takes months to train new hires, she noted this could pose a major problem ahead of one of the century's biggest sporting events in the U.S. this summer.

"This is a dire situation," McNeill said. "We are facing a potential perfect storm of severe staffing shortages and an influx of millions of passengers at our airports for the World Cup games in less than 80 days."

Related reading:

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Offers ending soon: Unlock up to $1,500 in travel value with one of these United card bonuses

If you're planning a dream getaway soon, now is a great time to determine your earning strategy and rack up those points and miles. One of the easiest ways to amass a large chunk of rewards is through credit card welcome bonuses, and several United cards are currently offering elevated, limited-time offers.

Plus, elevated offers on the United℠ Business Card (see rates and fees), United Quest℠ Card (see rates and fees) and United℠ Explorer Card (see rates and fees) are ending soon, so now is a good time to apply if you've been considering them.

Chase issues United's cobranded cards, so make sure to keep its application rules in mind.

Let's look at each card to see what welcome offers they're offering right now.

Comparison of the United credit card welcome offers

Here's a look at United credit card offers at first glance:

Card Welcome offer Offer value* Annual fee
<strong><a href="https://ift.tt/1IdNbkm" target="_blank">United Business Card</a></strong> Offer ending soon: Earn 100,000 bonus miles and 2,000 PQPs after spending $5,000 on purchases in the first three months from account opening. $1,500 (not including the value of the PQPs) $150
<strong><a href="https://ift.tt/Lyb8Vxs" target="_blank" rel="noopener">United Club℠ Business Card</a></strong> Earn 100,000 bonus miles and 2,000 PQPs after spending $5,000 on purchases in the first three months from account opening. $1,500 (not including the value of the PQPs) $695
<strong><a href="https://ift.tt/0oVb6Nh" target="_blank">United Club℠ Card</a> </strong>(see <a href="/tc/6976?pid=6976&amp;name=United%20Club%E2%84%A0%20Card%20PID&amp;data-testid=ratesFees" target="_blank">rates and fees</a>) Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening. $1,350
<strong><a href="https://ift.tt/iYqE6Gw" target="_blank">United Quest Card</a>&nbsp;</strong> Offer ending soon: Earn 80,000 bonus miles and 3,000 PQPs after spending $4,000 on purchases in the first three months from account opening. $1,200 (not including the value of the PQPs) $350
<strong><a href="https://ift.tt/us5VU0D" target="_blank">United Explorer Card</a></strong> Offer ending soon: Earn 70,000 bonus miles after spending $3,000 on purchases in the first three months from account opening. $1,050 $0 introductory annual fee in the first year; $150 each year thereafter
<strong><a href="https://ift.tt/vmstSN7" target="_blank">United Gateway℠ Card</a></strong> (see <a href="/tc/7557?pid=7557&amp;name=United%20Gateway%E2%84%A0%20Card%20PID&amp;data-testid=ratesFees" target="_blank">rates and fees</a>) Earn 30,000 miles after spending $1,000 on purchases in the first three months from account opening. $450 $0

*Welcome offer value is determined using TPG's March 2026 valuations and is not provided by nor reviewed by the issuer.

The information for the United Club Business has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

United Business Card

The United Business Card is the more affordable of the two United business cards. It's a good choice if you're a small-business owner watching your budget but wanting to earn United miles and enjoy some perks when flying.

Welcome bonus: Offer ending soon: Earn 100,000 bonus miles and 2,000 PQPs after spending $5,000 on purchases in the first three months from account opening.

Based on TPG's valuations, this bonus is worth $1,500 (not including the value of the PQPs).

Annual fee: $150

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Key benefits:

  • First checked bag free
  • FareLock statement credit
  • Hotel, car rental and ride-hailing credits (yearly opt-in for ride-hailing credits is required)
  • Priority boarding
  • Two one-time United Club passes each year
  • United travel credit (after five United flight purchases of $100 or more each per calendar year)

Earning rates:

  • 7 miles per dollar spent on United flights (5 miles earned as a MileagePlus member, plus 2 miles earned from having the United Business Card)
  • 5 miles per dollar spent on United Hotels
  • 2 miles per dollar spent on all other eligible United purchases, local transit and commuting, gas stations, office supply stores, restaurants (including eligible delivery services)
  • 1 mile per dollar spent on all other eligible purchases

To learn more, read our full review of the United Business Card.


Apply here: United Business


United Club Business Card

The United Club Business Card is the higher-tier of the two United business cards. It's suited to high-spending small-business owners who want premium perks with United.

Welcome bonus: Earn 100,000 bonus miles and 2,000 PQPs after spending $5,000 on purchases in the first three months from account opening.

Based on TPG's valuations, this bonus is worth $1,500 (not including the value of the PQPs).

Annual fee: $695

Hands holding credit cards
THE POINTS GUY

Key benefits:

  • Elite status boost each year
  • FareLock statement credit
  • First and second checked bag free
  • Hotel, car rental and ride-hailing credits (yearly opt-in for ride-hailing credits is required)
  • Premier Access travel services
  • United Club membership

Earning rates:

  • 7 miles per dollar spent on United flights (5 miles earned as a MileagePlus member, plus 2 miles earned from having the United Club Business Card)
  • 5 miles per dollar spent on hotel stays booked through Renowned Hotels and Resorts when you prepay for your booking
  • 2 miles per dollar spent on all other eligible United purchases
  • 1.5 miles per dollar spent on all other eligible purchases

Learn more: United Club Business Card review


United Club Card

The United Club Card is the top-tier United card. It's aimed at loyal United flyers who want an elevated experience when flying United.

Welcome bonus: Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

Based on TPG's valuations, this bonus is worth $1,350.

Annual fee: $695

United Club card picture
THE POINTS GUY

Key benefits:

Earning rates:

  • 9 miles per dollar spent on United flights (5 miles earned as a MileagePlus member, plus 4 miles earned from having the Club Card)
  • 5 miles per dollar spent on hotel stays booked through Renowned Hotels and Resorts when you prepay for your booking using your Club Card
  • 4 miles per dollar spent on all other eligible United purchases
  • 2 miles per dollar spent on all other travel purchases
  • 2 miles per dollar spent on dining
  • 1 mile per dollar spent on all other purchases

To learn more, read our full review of the United Club Card.


Apply here: United Club


United Quest Card

The United Quest Card is the airline's upper-mid-tier card for frequent flyers. It's best for frequent United flyers who want travel perks without paying a steep annual fee.

Welcome bonus: Offer ending soon: Earn 80,000 bonus miles and 3,000 PQPs after spending $4,000 on purchases in the first three months from account opening.

Based on TPG's valuations, this bonus is worth $1,200 (not including the value of the PQPs).

The amount of miles earned through the welcome offer alone could cover:

  • A one-way United Polaris business-class flight to Europe
  • Multiple domestic round-trip economy flights
  • Round-trip flights to Hawaii

The 3,000 PQPs included in the bonus can also help you move closer to earning United Premier elite status. TPG credit cards writer Stephanie Stevens recently earned United Premier Silver status, thanks to the PQP jump-start she earned through her Quest Card.

To earn United Premier Silver status for 2026, you need to earn 5,000 PQPs and 15 PQF (Premier Qualifying Flights), or 6,000 PQPs alone. This means the PQPs earned from the Quest bonus can offer a helpful boost to United elite status. It also provides a suite of travel perks, including priority boarding in group 2 and preferred seating at booking (for up to eight travel companions).

Annual fee: $350

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THE POINTS GUY

For United flyers who check bags regularly and fly multiple times per year, the additional perks may justify the higher annual fee compared to lower-tier United cards.

Key benefits:

  • Award flight discount
  • Elite status boost each year
  • First and second checked bags free
  • Hotel, car rental and ride-hailing credits (yearly opt-in for ride-hailing credits is required)
  • TSA PreCheck, Global Entry or Nexus application fee credit
  • United travel credit

Earning rates:

  • 8 miles per dollar spent on United flights (5 miles earned as a MileagePlus member, plus 3 miles earned from having the Quest Card)
  • 5 miles per dollar spent on hotel stays booked through Renowned Hotels and Resorts for United® Cardmembers
  • 3 miles per dollar spent on all other eligible United purchases
  • 2 miles per dollar spent on other travel purchases, dining and select streaming purchases
  • 1 mile per dollar spent on all other purchases

To learn more, read our full review of the United Quest Card.


Apply here: United Quest


United Explorer Card

The United Explorer Card is a great option for those who want to enjoy United benefits at a reasonable cost.

Welcome bonus: Offer ending soon: Earn 70,000 bonus miles after spending $3,000 on purchases in the first three months from account opening.

Based on TPG's valuations, this bonus is worth $1,050.

Annual fee: $0 introductory annual fee for the first year, then $150

United Explorer card art
THE POINTS GUY

Key benefits:

  • First checked bag free
  • Hotel, car rental and ride-hailing credits (yearly opt-in for ride-hailing credits is required)
  • Inflight discount
  • Priority boarding
  • TSA PreCheck, Global Entry or Nexus application fee credit
  • Two one-time United Club passes each year

Earning rates:

  • 7 miles per dollar spent on United flights (5 miles earned as a MileagePlus member, plus 2 miles earned from having the Explorer Card)
  • 5 miles per dollar spent on United Hotels
  • 2 miles per dollar spent on all other eligible United purchases, other hotel stays (when booked directly) and dining
  • 1 mile per dollar spent on all other purchases

To learn more, read our full review of the United Explorer Card.


Apply here: United Explorer


United Gateway Card

The entry-level United Gateway Card has no annual fee. It's a good option for those who fly occasionally with the airline and want to earn United miles.

Welcome bonus: Earn 30,000 bonus miles after spending $1,000 on purchases in the first three months from account opening.

Based on TPG's valuations, this bonus is worth $450.

Annual fee: $0

THE POINTS GUY

Key benefits:

Earning rates:

  • 7 miles per dollar spent on United flights (5 miles earned as a MileagePlus member, plus 2 miles earned from having the Gateway Card)
  • 5 miles per dollar spent on United Hotels
  • 2 miles per dollar spent on other eligible United purchases, at gas stations and on local transit and commuting
  • 1 mile per dollar spent on all other eligible purchases

To learn more, read our full review of the United Gateway Card.


Apply here: United Gateway


How to maximize United MileagePlus miles

While United's dynamic award chart can make it difficult to score high-value redemptions, the airline does offer some solid benefits for loyal flyers. Its award sales provide excellent redemption options, sometimes starting at just a few thousand miles per ticket.

The airline also doesn't impose fuel surcharges on award tickets (which can easily save you hundreds of dollars).

ZACH GRIFF/THE POINTS GUY

It's also a Chase transfer partner, which can help you earn United miles across multiple credit cards. The airline's Star Alliance membership means you can redeem miles with the other 24 member airlines, including Air New Zealand, Lufthansa and Turkish Airlines.

By taking advantage of low-cost domestic award tickets (such as flying from Houston to Orlando for as little as 3,500 miles), you can stretch the miles you earn with your credit cards to help you plan your upcoming trips.

Or, go big and start saving miles toward a fancy United Polaris business-class flight.

Related: How to get maximum value from the United MileagePlus program

Bottom line

Taking advantage of a United welcome bonus can get you closer to your next trip.

Plus, if you're interested in elevated bonuses on the United Business, United Quest or United Explorer, it's time to seriously consider an application, since those offers are ending soon.

Before applying, ensure you're aware of Chase's 5/24 rule: If you have opened five or more accounts in the past 24 months, you may have difficulty getting approved for these cards.

If you're successful in applying, you'll be well on your way to a more elevated experience when flying with United and its partner airlines.


Apply now: United Business
Apply here: United Club
Apply here: United Quest
Apply here: United Explorer
Apply here: United Gateway
Learn more: United Club Business


Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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