Singapore Airlines’ first-class product has a well-deserved reputation as one of the best luxury experiences in the sky. Many in the points and miles world save up to book this bucket list experience, complete with Dom Perignon (and Krug) Champagne, caviar and some of the best inflight service out there.
Before we dive into how you can book your next first-class adventure on Singapore Airlines, let’s look at what you can expect from the different aircraft types operated by the carrier.
The first-class cabins
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Currently, Singapore operates aircraft with two different first-class layouts — the Boeing 777-300 and the Airbus A380. On its 777-300s, the first-class cabin is arranged in a 1-2-1 layout at the front. Each seat has plenty of room and turns into a lie-flat bed. The seats are similar to the business-class seats on this aircraft in layout, though they have more personal space and the first-class service sets them apart.
You’ll find Singapore Airlines’ famous Suites class on the Airbus A380s. The Suites are located at the front of the upper deck, and each one has a bed separate from the seat, providing an incredible amount of personal space you will not find on most commercial aircraft.
Two Suites can be combined into a double bed, making it ideal for couples. This is about as good as first class gets.
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The A380 Suites are significantly better than the 777 first-class seats, so it’s worth going out of your way to book the A380 if possible.
Regardless of aircraft, you can count on some great Champagne, a great meal — don’t forget to “Book the Cook” — and plenty of hot towels to help you stay refreshed. If you are departing from Singapore, you will also have access to Singapore Airlines’ exclusive and recently renovated Private Room lounge.
If you see a route operated by one of Singapore’s new Airbus A350s or 787s, keep in mind that it doesn’t have a first-class cabin on this aircraft, but it does have a fantastic business class.
Related: 8 reasons I’m excited about Singapore Airlines’ A380 Suites flying to the US
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How to book Singapore Airlines first class with miles
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Unlike most airlines, Singapore Airlines will only let you book its first-class (and business-class) award tickets on long-haul routes through its own KrisFlyer program. So while United Airlines and Air Canada are both Star Alliance partners of Singapore Airlines, you won’t be able to use MileagePlus or Aeroplan miles to book these premium-cabin awards.
Suites-class options
Singapore Airlines is not operating A380 services to or from any destinations in the United States after switching the service from John F. Kennedy International Airport (JFK) to Frankfurt Airport (FRA) to a 777 service in May.
Schedules and aircraft type are subject to change, but at the time of publication, over the northern summer period, Singapore will operate the A380 to the following destinations:
Destination from Singapore Changi Airport (SIN)
KrisFlyer miles required for Suites class (each way, per person at Saver level)
KrisFlyer miles required for Suites class (each way, per person at Advantage level)
New Delhi’s Indira Gandhi International Airport (DEL).
58,500 miles.
98,000 miles.
Hong Kong International Airport (HKG).
45,000 miles.
73,000 miles.
London’s Heathrow Airport (LHR).
141,000 miles.
225,500 miles.
Melbourne Airport (MEL).
93,500 miles.
155,000 miles.
Mumbai’s Chhatrapati Shivaji Maharaj International Airport (BOM).
58,500 miles.
98,000 miles.
Shanghai Pudong International Airport (PVG).
58,500 miles.
98,000 miles.
Sydney Airport (SYD).
93,500 miles.
155,000 miles.
First-class options
While the 777 first-class product isn’t quite as impressive as the A380 product, the good news is that Singapore Airlines flies the 777 product to several U.S. destinations. At the time of publication, over the northern summer period, Singapore will operate the 777 with first class to the following destinations:
Destination from Singapore Changi Airport (SIN)
KrisFlyer miles required for first class (each way, per person at Saver level)
KrisFlyer miles required for first class (each way, per person at Advantage level)
Auckland Airport (AKL).
93,500 miles.
155,000 miles.
New Delhi’s Indira Gandhi International Airport (DEL).
58,500 miles.
98,000 miles.
Frankfurt Airport (FRA).
141,000 miles.
225,500 miles.
Hong Kong International Airport (HKG).
45,000 miles.
73,000 miles.
Jakarta’s Soekarno-Hatta International Airport (CGK).
30,500 miles.
52,500 miles.
London’s Heathrow Airport (LHR).
141,000 miles.
225,500 miles.
Los Angeles International Airport (LAX) via Tokyo.
146,500 miles.
228,000 miles.
Melbourne Airport (MEL).
93,500 miles.
155,000 miles.
Mumbai’s Chhatrapati Shivaji Maharaj International Airport (BOM).
58,500 miles.
98,000 miles.
New York’s John F. Kennedy International Airport (JFK) via Frankfurt.
148,500 miles.
243,000 miles.
Paris-Charles de Gaulle Airport (CDG).
141,000 miles.
225,500 miles.
Sydney Airport (SYD).
93,500 miles.
155,000 miles.
Tokyo’s Narita International Airport (NRT) and Haneda Airport (HND).
77,000 miles.
120,000 miles.
Zurich Airport (ZRH).
141,000 miles.
225,500 miles.
You can also try Singapore Airlines first class on the airline’s fifth-freedom routes. Here is the one-way pricing for Saver and Advantage awards:
Between New York and Frankfurt: 97,000 (Saver)/143,500 (Advantage) miles.
Between Los Angeles and Tokyo: 120,000 (Saver)/187,000 (Advantage) miles.
Related: Fifth-freedom routes: Flying top international airlines without setting foot in their home countries
KrisFlyer does not impose fuel surcharges on flights on its own metal, so fees, taxes and surcharges on first-class and Suites flights are reasonable.
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Saver availability is strictly limited, but you can pay more miles for an Advantage ticket. You might also consider waitlisting for a Saver award.
And if you only want to get a taste of Singapore Airlines first class on a short flight, you can book flights between Singapore and Jakarta for 40,000 Avianca LifeMiles on some dates.
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Off the beaten points first reported you can use LifeMiles to book this route. But despite searching, we haven’t seen the ability to redeem LifeMiles for other Singapore Airlines first-class or suites-class routes.
How to earn Singapore KrisFlyer miles
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While Singapore Airlines doesn’t offer a cobranded credit card in the U.S., the airline partners with several major rewards programs with transferable currencies, including:
Earning rewards with one or more of these programs and transferring them to Singapore Airlines is one of the easiest ways to earn KrisFlyer miles. The following cards all currently offer strong welcome bonuses that you could easily convert to KrisFlyer miles:
American Express® Gold Card: Earn 60,000 Membership Rewards points after you spend $4,000 on purchases in the first six months of card membership. Terms apply.
The Platinum Card® from American Express: Earn 80,000 Membership Rewards points after you spend $6,000 on purchases within the first six months of card membership. Check to see if you’re targeted for a 125,000-point welcome offer through CardMatch (offer subject to change at any time). Terms apply.
The Business Platinum Card® from American Express: Earn 120,000 bonus points after spending $15,000 on eligible purchases on the card in the first three months of card membership.
Capital One Venture Rewards Credit Card: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening.
Capital One Venture X Rewards Credit Card: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening.
Chase Sapphire Preferred Card: Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
Citi Premier® Card: (see rates and fees) Earn 60,000 bonus points after spending $4,000 on purchases in the first three months from account opening.
Ink Business Preferred Credit Card: Earn 100,000 bonus points after you spend $15,000 on purchases in the first three months from account opening.
In the case of transferable currencies that don’t instantly transfer to KrisFlyer, you’ll want to call and put a hold on your award ticket before initiating a transfer. That way, you won’t find yourself with stranded Singapore KrisFlyer miles because of a lack of award space.
Bottom line
At first glance, it might seem like only being able to book Singapore first-class awards with the KrisFlyer program would be a problem. However, when you consider that Amex Membership Rewards, Capital One, Chase Ultimate Rewards, Citi ThankYou Rewards and Marriott Bonvoy points can all be transferred to your Singapore KrisFlyer account, it seems a lot more doable.
As with many premium-cabin awards, you’ll want to start looking for award space as soon as you know your travel dates. First-class award space on Singapore Airlines is not always easy to find, so starting your search as early as 355 days before your desired departure date is advisable. Also, consider waitlisting or searching at the last minute.
With a little planning, you’ll be able to earn the required miles and find the necessary award space to try one of the best first-class products in the world.
Update: Some offers mentioned below are no longer available. View the current offers here.
If you’re looking for a way to both support the LGBTQIA+ community and earn some frequent flyer miles, there’s a good opportunity from United Airlines you won’t want to miss.
During the month of June, United MileagePlus is offering 5 miles per dollar donated to three LGBTQIA+ charities. The offer is valid for donations of up to $1,000 per United card made to the following charities:
The Trevor Project, which is the world’s largest suicide prevention and crisis intervention organization for those who identify as LGBTQIA+.
The Human Rights Campaign, the largest LGBTQIA+ advocacy group and lobbying organization in the U.S.
StartOut, a nonprofit organization that focuses on the growth of the LGBTQIA+ community in the workforce.
While you would only earn $12.10 worth of miles for every $1,000 donation, according to our latest valuations, you can take pride in the fact that you helped the efforts of a noteworthy cause.
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To take advantage of this promotion, you’ll first need to make sure you are the primary cardholder of one of these United credit cards:
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United Gateway Card.
United Explorer Card.
United Quest Card.
United Club Infinite Card.
United Business Card.
United Club Business Card.
Click through to your selected charity on this page (note that donations to local chapters of these organizations may not be eligible), then select how much you wish to donate.
Keep in mind that this United MileagePlus offer is applicable for donations totaling no more than $1,000 per card. No registration is required to benefit from this promotion. To receive your miles, all you have to do is make your donation with your chosen United credit card by June 30, 2022. The bonus miles may take up to eight weeks to post to your account.
Full terms and conditions for the promotion are available here.
If you have more than one of the cards listed above, you can max out the promotion on each card. For example, you can make a $1,000 donation with your United Club Infinite Card and another $1,000 donation with your United Business Card to receive 5,000 miles per donation, or a total of 10,000 miles.
Related: Happy Pride! Here’s all we’re doing at The Points Guy to celebrate Pride Month
With over 5,000 locations worldwide, you can find an Avis branch in most major cities. Its loyalty program, Avis Preferred, is free to join and can help you skip the line at the rental counter at some locations. Preferred members have their rental preferences and details on file, making picking up your vehicle quick and convenient.
Also, at some U.S. locations, Avis Preferred members can select their car on the mobile app. The mobile app lets you make reservations, view and modify bookings, access receipts and manage your Avis Preferred profile.
Ahead of what’s likely to be a record-busy summer of travel, now is the perfect time to sign up for Avis Preferred status to save time in line and be on your way faster.
What is Avis Preferred?
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Avis Preferred members can earn and redeem points for qualifying rentals. Preferred members also receive expedited service at some locations so you can go right to your car.
Avis Preferred elite status also entitles you to various benefits.
Avis Preferred elite status
Avis Preferred has two published elite status tiers. Here’s an overview of some of the benefits you receive as an Avis Preferred elite member:
Avis Preferred
Avis Preferred Plus
Avis President’s Club
Qualifications
Free to join, open to the public.
10 rentals or spending $4,000 per calendar year.
20 rentals or spending $6,000 per calendar year.
Point accrual rate
1 point per dollar on rental cars.
2 points per dollar on accessories.
1.25 points per dollar on rental cars.
2.5 points per dollar on accessories.
1.5 points per dollar on rental cars.
3 points per dollar on accessories.
Expedited service
✓
✓
✓
Upgrades
Up to one class.
Up to two classes.
Guaranteed vehicle
Up to full size with 24-hour notice.
You can also earn Avis Preferred Plus status after earning 60,000 American Airlines Loyalty Points or by holding United Premier Silver or Gold status. Primary cardholders of the Chase Sapphire Reserve are also eligible for Avis Preferred Plus status.
Avis President’s Club is also available to those who earn 100,000 American Airlines Loyalty Points or United Premier Platinum, 1K or Global Services members. Primary card members of the United Club℠ Infinite Card, United℠ Presidential Plus℠ Card, United Club℠ Business Card and United℠ Presidential Plus℠ Business Card also are eligible for instant President’s Club status.
If you don’t have Avis status but hold another rental car status, you can submit a status match form here.
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The information for the United℠ Presidential Plus℠ Card, United Club℠ Business Card and United℠ Presidential Plus℠ Business Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: United and Avis ink new partnership with free status matches, mileage redemptions
How to earn Avis Preferred points
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You can earn Avis Preferred points or partner points and miles on qualifying Avis rentals. As a base Avis Preferred member, you earn 1 point per dollar spent on the base rate of your rental and 2 points per dollar spent on accessories like satellite radio and car seats.
You can also opt to earn partner points and miles instead of Avis Preferred points. Avis has over 50 airline partners and nine hotel partners. You can earn points with Avis’ other partners, like Eurostar. Just note that for rentals in the United States, Puerto Rico, St. Thomas, St. Croix and Canada, you may be subject to a frequent flyer surcharge or excise tax if you earn airline miles or hotel points instead of Avis Preferred points. This generally costs $1.50 per rental day. To change your rewards preferences from Avis Preferred points to the loyalty program of your choice, log into your Avis Preferred account, go to your profile homepage, click “rewards,” and then “edit.”
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You can then opt to receive partner points and miles.
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After you enter your partner loyalty number and save your preferences, Avis will automatically start crediting points and miles to your partner account and charging you the frequent flyer surcharge/excise tax on qualifying rentals. As noted, you can’t earn partner miles and Avis Preferred points on all rates.
Avis has negotiated rates for the members of many of its partners. For example, the United Airlines MileagePlus AWD (Avis Worldwide Discount) number drops the base price of this airport rental by over 50%.
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You can use your partner program’s AWD rate regardless of whether or not you’re earning miles on your rental. Be prepared to present proof of your partner loyalty program membership if asked.
How to redeem Avis Preferred points
Avis advertises that you can redeem Avis Preferred points with no blackout dates. However, you can’t redeem Avis points at all locations.
Reward day level
Standard base rate (does not include AWDs, special rates or any other offers)
Cost
Level 1
Up to $50.
700 points.
Level 2
$50.01 to $85.
1,400 points.
Level 3
$85.01 to $125.
2,100 points.
Level 4
$125.01 to $225.
3,500 points.
To redeem points, log into your Avis account, enter your search criteria, select your car and apply your points at check out. You can refer to this page for more information on redeeming Avis points.
Related: How to redeem points and miles for car rentals
Best credit cards for Avis car rentals
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Ideally, you should use a card that provides both Avis elite status and primary rental car insurance (on most rentals). The only major credit card that offers top-tier President’s Circle status and primary rental car insurance on most Avis rentals is the United Club Infinite Card.
Other cards that offer primary rental insurance include:
*Eligibility and Benefit level vary by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc
Related: 9 rental car rewards programs you need to know about
Bottom line
In my experience as a President’s Circle member, I haven’t received nearly as many Avis upgrades, free days and the same quality of service as National Executive Elite.
However, Avis Preferred status can certainly make your travel more enjoyable by allowing you to bypass lines, track your rentals through the app and earn points toward free days. If you haven’t signed up with Avis Preferred yet, we recommend joining for free.
Editor’s note: This is a recurring post, regularly updated with new information and offers.
This Pride season, TPG is offering you the chance to win 1 million Chase Ultimate Rewards points by supporting our campaign with Rainbow Railroad, an organization that helps LGBTQIA+ people facing persecution through relocation and other resources. The grand prize winner of this sweepstakes will also win a one-on-one planning session with The Points Guy founder Brian Kelly to help plan the trip of a lifetime.
The rules are simple: Donate at least $10 to Rainbow Railroad, and you’ll be entered for a chance to win. The more you donate, the more entries you get toward winning your dream trip.
All sweepstakes entries must be made by 11:59 p.m. EDT on July 30 for a chance to win the grand prize before the winner is drawn on July 31.
Donate now for your chance to win.
More about Rainbow Railroad
Rainbow Railroad has a dedicated team of human rights defenders and advocates on the front lines of the fight for global LGBTQIA+ rights. Specifically, the organization helps LGBTQIA+ people facing violence and oppression around the world get to safety. Rainbow Railroad’s work could not be more important than it is right now.
We’ve partnered with this organization many times in the past, and this year, we’ve teamed up with our friends at Chase Sapphire to give one lucky winner a trip worth 1 million Ultimate Rewards points. All you have to do to enter is donate at least $10 to Rainbow Railroad.
THE POINTS GUY
You don’t even need to be a Sapphire cardmember to win the grand prize — though here at TPG, we strongly recommend having one of these cards. We even have a handy guide that helps you decide whether the Chase Sapphire Preferred Card or the Chase Sapphire Reserve is best for you.
Ultimate Rewards points can be incredibly powerful, whether you’re looking to transfer them to partners like World of Hyatt and United Airlines MileagePlus or using them to book travel directly with Chase. If you win the grand prize of a trip worth up to 1 million points, you’ll have plenty of opportunities to make the most of them.
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How to enter
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It’s simple to enter the sweepstakes: Donate at least $10 through this link in support of Rainbow Railroad.
Yes — that’s it.
Additional donation levels will unlock even more prizes, including a one-on-one points and miles strategy session with Brian Kelly and bonus sweepstakes entries toward the grand prize trip of a lifetime.
This is a great opportunity to not only support a phenomenal organization but also potentially win fantastic prizes.
Remember, this campaign ends July 30, so be sure you submit your donation by 11:59 p.m. EDT to secure your entry into the drawing for the grand prize.
The information related to the United Gateway Credit Card has been collected by Money Crashers and has not been reviewed or provided by the issuer of this card.
Earning frequent flyer miles from your credit card usually requires paying for a premium product, and there aren’t too many airline credit cards that have no annual fee.
The United Gateway Credit Card is one of those rare airline cards that has no annual fee. But as you might expect, it comes with fewer benefits than its more expensive competitors. That may or may not be a dealbreaker for you — read on to find out.
What Is the United Gateway Credit Card?
The United Gateway Card is offered by Chase as a way to earn United Airlines MileagePlus frequent flier miles, with no annual fee.
You start out with a modest sign-up bonus: Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
From there, you earn 2x miles on United purchases, at gas stations and on local transit and commuting expenses. Those expenses include rideshare services, taxicabs, train tickets, tolls, and mass transit. As with most cards, you only earn one mile per dollar spent on other transactions.
Beyond the rewards program, the United Gateway Card has few benefits, but they can be valuable.
First, you receive additional access to award seats at the lowest, “Saver” level, an important benefit reserved for United MileagePlus cardholders and United customers with elite status. You also receive 25% back on food, beverages, and Wi-Fi on board United-operated flights. And you get up to $1,500 in trip cancellation and trip interruption coverage, an auto rental collision damage waiver policy, extended warranties on select items, and purchase protection coverage on select purchases.
There’s no annual fee for this card and no foreign transaction fees. This makes it a great choice for international travel. Finally, you enjoy a 0% intro APR for 12 months on new purchases after account opening.
What Sets the United Gateway Credit Card Apart?
The United Gateway Credit Card is different not just because it has no annual fee, but also because it provides a few significant benefits and multiple opportunities to earn bonus miles.
Double miles. You earn 2x miles on United purchases, at gas stations, and on local transit and commuting expenses.
Travel insurance protections. These include rental car insurance, trip cancellation and interruption coverage.
Purchase protections. These include theft and damage coverage and extended warranty protection.
Low fees. This card has no annual fee and no foreign transaction fees.
Introductory financing. You enjoy a 0% intro APR for 12 months on purchases, though not balance transfers.
Key Features of the United Gateway Credit Card
The most important features of this card are low fees, bonus miles and cardholder benefits.
Sign-Up Bonus
Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.
Earning Rewards
This card offers plenty of opportunities to earn bonus miles:
2x miles for United purchases
2x miles at gas stations
2x miles on local transit and commuting expenses
1x mile on all other eligible purchases.
“Local transit and commuting expenses” covers a wide range of purchases, including:
Rideshare services
Taxicabs
Train tickets
Tolls
Mass transit
Redeeming Rewards
You can redeem your accumulated miles for award flights operated by United and its partners.
Exactly how much value you get from them is a moving target. That’s because United no longer publishes an award chart and has been known to change how much it charges for particular flights without notifying anyone. But in general, you need 80,000 to 100,000 miles for a one-way, business class ticket to Europe. You can get by with about half that if you travel in economy.
0% Intro APR Promotion
This card offers 12 months of 0% APR introductory financing on new purchases. After that, variable regular APR applies.
Important Fees
There’s no annual fee for this card and no foreign transaction fees imposed on charges processed outside of the United States.
Credit Required
This card requires good or better credit to qualify. If your FICO score is much below 700, then you’ll likely have trouble being approved.
Advantages
This card’s advantages are designed for occasional United flyers rather than frequent travelers who care about high-end perks.
Expanded access to the United Saver award level. This is a key benefit that allows you to get much more from your miles when you redeem for award flights.
No annual fee an foreign transaction fees. This card’s biggest claim to fame is that it has neither of these fees.
Good bonus categories. There’s a lot of ways to earn double miles with this card. That isn’t what you’d normally expect from a no-fee card.
Good travel insurance and purchase protection benefits. Many credit card issuers aren’t offering benefits any more, so this is especially nice to see.
MileagePlus partners and policies. You can redeem your United miles for flights on its numerous Star Alliance and non-alliance partners. United also eliminated change and cancellation fees on awards, so you’re free to book a ticket when you find a good deal and cancel it later if it doesn’t work out.
0% APR introductory financing on purchases. Very few airline cards come with 0% intro APR financing, so this counts as a win for those planning big purchases (including vacations) soon after account opening.
Disadvantages
This card lacks many of the features that you might expect from a rewards card.
United devalues its miles. United eliminated its award charts several years ago, which means that it can always charge more miles for awards whenever it feels like it. For example, United recently started charging up to 50% more miles for many of its award flights to Europe without any prior notice. Unfortunately, you can’t count on the price you see now being available when it comes time to redeem your miles.
No free checked bags. Pretty much all airline credit cards with an annual fee offer a free checked bag, but not this one.
Low sign-up bonus. Most airline credit cards with an annual fee offer at least 50,000 miles as a sign-up bonus. The Gateway Card’s bonus is worth less than half that amount.
How the United Gateway Credit Card Stacks Up
The closest competitor to the United Gateway Card is the American Airlines AAdvantage MileUp Card from Citi. See how they compare before you apply for either.
United Gateway Credit Card
American Airlines AAdvantage® MileUp® Mastercard®
Annual Fee
$0
$0
Sign-Up Bonus
20,000 miles
10,000 miles
Rewards Rate
Up to 2x miles
Up to 2x miles
0% Intro APR
12 months on purchases
None
Foreign Transaction Fee
None
3%
Credit Needed
Good or better
Good or better
Final Word
The United Gateway Card is a basic airline credit card, but it still manages to give you more than you would expect from a stripped down version of the more premium cards. It does this by offering expanded award availability, decent travel insurance and purchase protection and many opportunities to earn bonus points. And if you can take advantage of the 0% APR offer, then it’s really worth considering.
At the same time, you’ll get a less valuable sign-up bonus and no free checked bags. Both of those are perks you should reasonably expect from any airline credit card with an annual fee.
What you’re left with is a card that’s well suited for someone who flies United a few times a year. But if you find yourself flying the friendly skies more often than that, then you should look into the United Explorer, Quest, or Club Cards, all of which have annual fees.
The Verdict
Our rating
United Gateway℠ Credit Card
The United Gateway Card is a frequent flyer credit card with no annual fee and fewer perks than more expensive airline cards. However, it does have a few strong bonus categories, and some valuable cardmember benefits. That makes it a competitive card for occasional travelers.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the 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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Jason has been writing about personal finance, travel, and other topics on blogs across the Internet. When he is not writing, he has a career in information technology and is also a commercially rated pilot. Jason lives in Colorado with his wife and young daughter where he enjoys parenting, cycling, and other extreme sports.
Elite airline status can deliver frequent flyers a lot of perks, including free checked baggage, priority boarding access and even complimentary upgrades.
United Airlines has four published elite status levels. Of these, Premier Platinum is the second-highest tier. Here’s a look at United Platinum benefits, how to earn this status and how much it’s worth.
United Premier Platinum perks
United’s MileagePlus program provides those with elite status a variety of benefits intended to make flying simpler and more lucrative. Here’s what you get once you reach Premier Platinum status:
9x miles on flights. For every eligible dollar spent on airfare, members will earn 9 United miles.
Free checked bags. Premier Platinum members get three complimentary checked bags weighing up to 70 pounds each.
Priority check-in. Take advantage of the Premier Access check-in desk, where it’s available.
Priority boarding. Members and their companions receive Group 1 boarding.
Priority security. In airports with priority screening, Premier Platinum members have access to faster security.
Free same-day changes. Free confirmed changes to other eligible flights within 24 hours of boarding.
Better seating. Complimentary access to Economy Plus or preferred seating for the member and up to eight companions when booking.
Unlimited, space-available complimentary upgrades. Upgrades to first class begin clearing at 72 hours before your flight.
Instant upgrades on eligible fares. Those purchasing a Y or B fare class will receive an instant upgrade to first class if space is available.
United Club membership discount. A $50 discount off the regular annual cost of a United Club membership.
Access to sold-out flights. Ability to purchase Y-fare-class flights up to two hours before departure.
PlusPoints. Platinum members receive 40 PlusPoints per year, which can be used to confirm upgrades to premium cabins starting when you book.
More award availability. Those with Platinum status and above have access to better award availability for premium cabins.
Waived fees. Fees charged for booking by phone are waived.
Star Alliance Gold status. Includes benefits such as free checked bags, lounge access, priority check-in and more on eligible partner alliance bookings.
Avis elite status. Complimentary Avis President’s Club elite status.
How to earn Premier Platinum elite status
To earn Premier Platinum status with United, you’ll need to complete the following requirements within a calendar year:
Fly at least four segments with United or United Express.
Complete 36 premier qualifying flights (PQFs) and earn 12,000 premier qualifying points (PQPs). If you don’t meet the PQF threshold, you can qualify by earning 15,000 PQPs instead.
A PQF is determined by the number of flights you’ve taken with United or a partner airline. Each segment within an itinerary counts as a flight, so if you have a layover on a one-way trip you’ll receive two PQFs, whereas a nonstop flight would earn you one PQF.
The amount of PQPs you’ll earn is determined by the cost of your ticket (base fare plus carrier-imposed surcharges), along with certain eligible upgrades you can purchase.
Award flights are eligible to earn PQFs and PQPs. Each flight segment is worth one PQF, and you’ll earn one PQP per 100 miles redeemed for your itinerary.
How much is United Premier Platinum status worth?
How much is United status worth? In general, airline elite status relies pretty heavily on luxury benefits such as priority check-in and faster access to phone agents that don’t have a price tag attached to them.
However, there are quite a few included perks you would otherwise generally have to pay for, such as checked bags, an upgraded seat and lounge access.
In our analysis of major U.S. airlines, NerdWallet ranks United Platinum second among similar high-tier statuses. It trails behind Alaska’s MVP Gold 75K, which provides a 63% return on spend in our calculations.
Premier Platinum status, meanwhile, provides a 49% return on your investment.
According to our analysis, it costs an estimated $12,658 to earn Platinum status. For that investment, you’ll receive perks worth roughly 49% of that amount, or $6,235.
What else you need to know
PlusPoints upgrades can be incredibly valuable. Upon earning status, Platinum members receive 40 PlusPoints, which can be used to confirm upgrades on flights ahead of time.
Although it’s possible to use those 40 PlusPoints to upgrade two domestic flights to first class (they cost 20 PlusPoints apiece), it’s generally a far better value to use these for a long-haul international flight.
It costs as few as 40 PlusPoints to upgrade from an economy class long-haul flight to United’s Polaris business class, which features a lie-flat bed, superior food and drink options, and even pajamas.
Even better, there’s no limit to which flights are eligible, which means those 40 PlusPoints could be used on the longest, most expensive flights, where the price difference between economy and business class can be thousands of dollars.
United Platinum status is valuable
Although it takes work to earn elite status with an airline, it can often be worth it, especially if you travel often. This is the case with United’s Premier Platinum status, which provides a bevy of benefits to those who invest.
Along with perks such as free checked bags, better seating and complimentary elite status with other partners, Platinum members receive 40 PlusPoints, which can be used for incredibly valuable international business class upgrades.
(Top photo courtesy of United Airlines)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
Airlines love to offer co-branded credit cards. Most major carriers now have several at different price points.
With the Quest card, United and Chase are betting that there’s a market for a card somewhere between their top-end Club Card and their entry-level Explorer Card. Call it their “Goldilocks” credit card.
If you frequently fly United but can’t justify the Club card’s hefty annual fee, Quest could be the best choice for you. But take a few moments to see how it works — and where it falls short — before you apply.
What Is the United Quest Card?
United offers numerous credit cards through its partner Chase, and the United Quest Card sits just below the premium Club Card. It features a laundry list of travel benefits and rewards.
This card has a rather large $250 annual fee, but it must be looked at in the context of all of its benefits, some of which offer direct value.
You start off on the right foot with a sign-up bonus of 60,000 bonus miles plus 500 Premier Qualifying Points (PQPs) when you use your card to spend $4,000 within three months of account opening. PQP are the points that you need to earn elite status in United’s loyalty program, starting with 4,000 points and 12 qualifying flights for Silver status. And it gets better from there.
The Quest Card offers you a $125 annual credit that reimburses you for any United purchases. You also get two 5,000 mile anniversary award flight credits. This means that if you book two award tickets a year, you get 10,000 bonus miles.
You also get a statement credit of up to $100 for your Global Entry or TSA PreCheck application — programs that help you to speed through security and immigration. And at a time when many credit card issuers no longer offer any cardholder benefits, the Quest Card still comes with several travel insurance and purchase protection policies.
The Quest Card also showers you with perks when you fly United. As is true with many frequent flyer credit cards, you get free checked bags. But the Quest card offers you two free bags for you and a companion traveling on the same reservation. Other perks include priority boarding, 25% back on United in-flight and Club premium drink purchases, and the ability to get Premier upgrades on award tickets.
And just like any airline credit card, you get miles for your Quest Card purchases. This includes 3x miles for United purchases and 2x miles for all other travel, dining purchases, and select streaming services. You get one mile per dollar spent on all other purchases.
What Sets the United Quest Card Apart?
The United Quest Card is different from its competitors in a few key ways, including purchase and mileage credits, free checked baggage allowance and travel insurance.
$125 United purchase credit. This is worth half the card’s annual fee, and goes a long way toward justifying it.
Two 5,000 mile flight credits each year. That’s another 10,000 miles, just for redeeming your miles.
Two free checked bags. Hello cross-country ski trip, college move-in, or camping vacation.
Lots of travel insurance. Stuck overnight due to a canceled flight? Snag a hotel and go out for a nice meal! This card reimburses you up to $500 per person during overnight delays or any delay lasting 12 hours or longer.
Key Features of the United Quest Card
This mid-tier airline rewards card offers a generous sign-up bonus, plenty of perks when flying United, and additional rewards for certain purchases.
Sign-Up Bonus
Earn 60,000 bonus miles and 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
The PQP component of this bonus can be vital to earning the next level of elite status in United’s MileagePlus program.
Earning Rewards
This card offers plenty of opportunities to earn bonus miles:
3x miles for United purchases
2x miles for all other travel and dining purchases
2x miles for select streaming services
1x mile on all other eligible purchases
“Other travel” covers a huge range of purchases, including:
Non-United airfare
Train fares
Local transit, taxi, and rideshare fares
Cruise fares
Hotel and resort bookings
Car rentals
Road tolls
Redeeming Rewards
You can redeem your accumulated miles for award flights operated by United and its partners.
Exactly how much value you get from them is another question. United no longer publishes an award chart and has been known to change how much it charges for particular flights without notifying anyone. But in general, you’ll need 80,000 to 100,000 miles for a one-way, business class ticket to Europe, and about half that if you travel in economy.
$125 Annual United Purchase Credit
You receive up to $125 in statement credits each account anniversary year as reimbursement for United purchases charged to your United Quest Card.
Anniversary Award Flight Credits
You can also earn two 5,000 mile anniversary award flight credits each year when you take a United or United Express-operated award flight booked with your miles.
Valuable Travel Perks
No discussion of the United Quest Card is complete without taking a look at its travel perks:
Your first and second bags checked free for you and a companion
Priority boarding
25% back on United in-flight purchases
Eligibility for Premier upgrades when traveling on award flights
These perks come on top of numerous travel insurance and purchase protection policies. This includes $1,500 per person in trip cancellation/interruption insurance, $500 per person in trip delay reimbursement, and an additional $3,000 in lost luggage coverage.
Important Fees
There’s a $250 annual fee for this card. However, there’s no foreign transaction fee imposed on charges processed outside of the United States.
Credit Required
This card requires good or better credit to qualify. If your FICO score is much below 700, then you’ll likely have trouble being approved. However, this is pretty standard for a premium travel credit card.
Advantages
This card offers a lot of advantages, especially for frequent United travelers.
Sign-up bonus. Earning 60,000 miles after spending $4,000 on new purchases is a competitive bonus, but adding the 500 Premier Qualifying MIles allows this card to rise above most of its competitors.
Generous travel perks. The $125 annual travel credit goes a long way toward defraying the costs of this card’s annual fee. The two 5,000 mile annual flight credits are also very valuable. And it’s always nice to enjoy priority boarding, and two free checked bags.
Strong bonus categories. Many airline credit cards only offer 2x miles for ticket purchases, but this card features 3x. Plus, you get 2x for all other travel, dining and select streaming services.
MileagePlus partners and policies. You can redeem your United miles for flights on its numerous Star Alliance and non-alliance partners. United also eliminated change and cancellation fees on awards, so you’re free to book a ticket when you find a good deal and cancel it later if it doesn’t work out.
Disadvantages
The United Quest Card isn’t perfect. Its biggest downsides include recently devalued award travel (with more devaluation possible in the future) and a high annual fee.
United devalues its miles. United eliminated its award charts several years ago, which means that it can always charge more miles for awards whenever it feels like it. For example, United recently started charging up to 50% more miles for many of its award flights to Europe, without any prior notice. So don’t count on the price you see now being available when it comes time to redeem your miles.
$250 annual fee. This will be a big turn-off to many people, and for good reason. But if you can use the $125 annual flight credit, then the net cost is much closer to what an entry-level airline card costs. And if the free bags save you money, then it’s easier to get over the sticker shock of a $250 card.
How the United Quest Card Stacks Up
One of the closest competitors to the United Quest card is the Delta SkyMiles® Platinum American Express Card. It also offers bonus miles and credit toward elite status. It even features an annual companion certificate, but it has a smaller sign-up bonus.
United Quest Card
Delta SkyMiles® Platinum American Express Card
Annual Fee
$250
$250
Sign-Up Bonus
60,000 miles plus 500 PQDs
50,000 miles
Rewards Rate
Up to 3x miles
Up to 3x miles
0% Intro APR
None
None
Foreign Transaction Fee
None
None
Companion Certificate
No
Yes
Credit Needed
Good or better
Good or better
Final Word
The United Quest Card is a mid-tier product, positioned between the entry-level Explorer Card and the premium Club Card. It offers you a wide variety of perks and benefits when you fly United, including mileage credits, ticket purchase credits and credits toward elite status. It also offers some additional miles and fee credits to help cardholders justify its considerable annual fee. And don’t forget the valuable sign-up bonus.
What you’re left with is a pricey card that’s well worth it if you can utilize its fee credits and other perks, such as two free checked bags. Those who buy tickets on United will easily earn the $125 annual credit toward United purchases. So while you might balk at the $250 annual fee, savvy cardholders consider the value of the United Quest Card’s benefits and find it to be a worthwhile expense.
The Verdict
Our rating
United Quest Card
The United Quest Card is an expensive credit card, but you get what you pay for, from standard perks like free checked bags to a $125 flight credit and up to 10,000 bonus points on award travel each year. With so much going for it, this card’s annual fee is well worth the price for most United travelers.
Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the 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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Jason has been writing about personal finance, travel, and other topics on blogs across the Internet. When he is not writing, he has a career in information technology and is also a commercially rated pilot. Jason lives in Colorado with his wife and young daughter where he enjoys parenting, cycling, and other extreme sports.
A credit union is a nonprofit institution that’s owned by its members. Compared to a traditional bank, a credit union tends to offer more personalized service.
You can turn to a credit union for a variety of financial products, like checking and savings accounts, credit cards, car loans, and mortgages. Some regional and federal credit unions also offer wealth management services and other extras.
A typical credit union only accepts members who live in a specific region or work for an eligible employer. For example, they may require that you’re a resident of Atlanta, Georgia or work as a teacher.
The good news is some credit unions require less and make it easy for just about anyone to join. If you’d like to join a credit union but don’t want to worry about the strict membership requirements at most institutions, you’ve come to the right place.
38 Best Credit Unions Anyone Can Join
There are hundreds of credit unions that anyone can join, but we’ve done the heavy lifting and found the best ones for you. The credit unions below, which are overseen by the National Credit Union Administration (NCUA) may be an option for you, regardless of what you do for a living or where you’re located.
Just keep in mind that you may have to make a donation, join an organization, live in a certain state, or meet some other eligibility requirement. We encourage you to explore this lengthy to list of credit unions anyone can join so you can hone in on the ideal credit union for your unique situation.
1. Alliant Credit Union
Alliant Credit Union made its debut in 1935 to serve the employees of United Airlines. It stands out for it high-interest savings and checking accounts with low minimum opening deposits as well as excellent customer service.
You’ll also receive access to more than 80,000 free ATMs across the U.S. and get reimbursed up to $20 in out-of-network ATM charges per month. Since it only has two brick-and-mortar locations, you should feel comfortable with online banking. If you’d like to join Alliant Credit Union, make a $5 donation to Foster Care to Success.
2. Connexus Credit Union
Connexus Credit Union was founded in 1935 and has a widespread presence in Wisconsin as well as more than 54,000 ATMs across the country. It couldn’t be easier to join the credit union as all you have to do is pay a one-time $5 fee to the Connexus Association, which supports financial education through college scholarships.
As a member, you can open one of its three checking options with high APYs and a traditional savings account or one that’s specifically designed for the holidays.
3. Pentagon Federal Credit Union
Pentagon Federal Credit Union, or PenFed, was founded in 1935 as a credit union for military and civilian government. Today, this Virginia-based credit union has opened it doors to anyone as long as they open a savings account and deposit a minimum of $5. It offers two savings accounts, including the Regular Savings and Premium Online Savings.
In addition, you can find checking accounts, CDs, and money market accounts. Other products include Coverdell Education Savings Certificates, IRAs, credit cards, mortgages, home equity loans, and student loans. Plus, you can enjoy modern perks like mobile check deposits, online bill pay, and instant transfers.
4. First Tech Federal Credit Union
First Tech Federal Credit Union is headquartered in California. The credit union offers many benefits, such as excellent customer service, many branches throughout the U.S. and Puerto Rico, online banking, and mobile banking.
It also has the Dividend Rewards Checking Account, which gives you 1.00% APY on balances below $1,000. You don’t have to live in California to join as long as you donate to a nonprofit called the Financial Fitness Association.
5. Consumers Credit Union
Consumers Credit Union was established in 1951 as a local credit union. Based in Illinois, it’s one of the largest credit unions in the state with over 100,000 members and more than $1.2 billion in assets.
You can join it, even if you don’t live in Illinois. All you have to do is donate the $5 membership free to an affiliated nonprofit. You can open almost all of its accounts online, except for the checking accounts and IRAs. The credit union also offers a high-yield checking account that offers high interest if you meet certain criteria.
6. Langley Federal Credit Union
Langley Federal Credit Union is based in Virginia and made its inception in 1936. At that time, members of the National Advisory Committee for Aeronautics, the predecessor to NASA, chartered the credit union.
Today, Langley offers membership to anyone who pays a fee to support an important cause in Virginia and deposits at least $5 into a savings account. You can choose from a checking account without a monthly fee, a variety of no-fee savings accounts with competitive interest compounds monthly, and Visa Cards with cash back rewards.
7. Lake Michigan Credit Union
Lake Michigan Credit Union made its debut in 1933 by a group of teachers. Headquartered in Grand Rapids, Michigan, it has 51 branches in Michigan and southwest Florida. Since it’s part of the Allpoint ATM network, members can enjoy free access to more than 55,000 free ATM.
To join, donate $5 to the ALS Foundation and deposit $5 into a Member Savings account. Once you do, you can earn perks through the MORE rewards program and redeem them for complimentary checks and free out-of-network ATM transactions.
You may also open the free, no frills Max Checking account. Note that the Member Savings account, which you must open to become a member, requires a minimum daily balance of $300 or you’ll be charged a $5 monthly fee.
8. Lafayette Federal Credit Union
Lafayette Federal Credit Union was founded in 1935 as an alternative to traditional banks. It offers numerous perks, like no minimum balance requirement or monthly maintenance fees, online banking, mobile deposits, free direct deposit, and special discounts.
You can join it if you live, work, worship, or attend school in Washington D.C. If you live outside the D.C. area, you may still become a member as long as you invest in a lifetime Home Ownership Financial Literacy Council (HOFLC) membership for only $10. This nonprofit focuses on helping consumers navigate the path to homeownership.
9. Affinity Plus Federal Credit Union
Affinity Plus Federal Credit Union has 26 branch locations across Minnesota. APFCU offers MyPlus Rewards that gives you points if you keep a certain amount of money in your bank account or use its debit or credit card.
To be eligible to join, all you have to do is donate $25 to the Affinity Plus Foundation and open a basic savings account. If you live and work in Minnesota or have a family member in the state, there are other ways to become a member.
10. Chevron Credit Union
Chevron Credit Union has been around since 1935 and has 19 branches that span six states, including California, Louisiana, Mississippi, Texas, Utah and Virginia. It operates under two brands: Chevron Federal Credit Union and Spectrum Credit Union.
To become a member, join one of its nonprofit partner organizations, such as the Contra Costa County Historical Society. You’ll also need to deposit $25 into a primary savings account and maintain a $25 minimum balance.
Chevron also offers a second chance checking account called New Solutions for those who need help rebuilding their banking history.
11. Ascend Credit Union
Since its inception in 1951, Ascend Credit Union has offered a variety of products, like checking and savings accounts, a money market account, Christmas Club account, youth accounts, credit cards, and loans.
If you’re interested in these services, join The Nature Conservancy, Tennessee Chapter and you’ll be eligible automatically. Note that there is a one-time fee of $25.
12. Hope Credit Union
Hope Credit Union is a black-owned credit union that was organized in 1995 by the Anderson United Methodist Church in Mississippi. You can join if you pay a $10 membership fee and show a foreign passport, permanent resident card, or Matricula Consular. Plus, you may use an ITIN number instead of a Social Security number.
Hope Credit Union provides a number of personal bank accounts, business banking accounts, and transformational deposits. With its transformational deposits, you can participate in socially responsible investing.
13. Boeing Employees Credit Union
Boeing Employees Credit Union, or BECU, was established in 1935 for Boeing employees and currently caters to more than 1 million members. But despite its name, you don’t have to work at Boeing to join.
Its products and services are available to you if you become a member or donor to the KEXP, which is a nonprofit art organization or the Sea Hawkers Central Council. The most noteworthy benefit of joining is the first-time homebuyer grant in which you can receive $7,500 toward your down payment and closing costs.
14. Hiway Credit Union
Hiway Credit Union made its debut in 1931 to serve employees of the Minnesota Department of Transportation. It offers a free checking account with no monthly fee or minimum balance requirements, a free money market account with a $500 minimum deposit, credit cards, and loans.
You can qualify for a Hiway Federal Credit Union membership if you donate to the Minnesota Recreation and Park Foundation for $10 per year or the Association of the U.S. Army, which costs $40 for two years.
15. GreenState Credit Union
GreenState Credit Union was founded in 1938. It provides its members with personal accounts, business accounts, credit cards, loans insurance, wealth management services, and more.
GreenState was named one of the fastest growing credit unions in 2021. As long as you live or work in the state of Iowa, you can become a member and take advantage of its services without any issues.
16. Cascade Credit Union
Cascade Credit Union made its debut in 1952 to serve employees of the Cascade Division of the Great Northern Railway. Today, it’s open to many people and offers great perks like members-only sweepstakes, competitive rates, online banking tools, financial counseling, and group insurance benefits.
If you’d like to join, simply become a member of the Great Northern & Cascade Railway Association (GNCR) and pay an annual membership cost of $40. The credit union can help you fill out your application online or in-person at a local branch.
17. Wildfire Credit Union
Wildfire Credit Union began in 1937 as Saginaw Telephone Employees Credit Union, its original credit union name. Its first location was in the basement of the home of Hank Kosk, the credit union’s treasurer.
After some office upgrades, the credit union opened the doors to its current location on Bay Road in Saginaw and merged with Flint Telephone Employees Credit Union that same year. Today, Wildfire Credit Union offers several deposit accounts as well as personal banking and business banking services. You can join if you live, work, worship, or attend school in Michigan.
18. Nextmark Credit Union
Nextmark Credit Union made its debut in 1958. Its offerings include personal and business checking, home equity loans, personal loans, credit cards, gift cards, and more.
To join, you must live in a qualifying county in Virginia or make a donation to Herndon Elementary PTA, a Title I school.
19. Technology Credit Union
Technology Credit Union, or Tech CU, was established in 1960. It’s based in Silicon Valley and provides its members with no shortage of benefits. These include competitive rates, online banking, access to fee-free ATMs, free credit score monitoring, conference room space, and easy online appointment booking. To become a member, join Financial Fitness Association for only $8.
20. Veridian Credit Union
Veridian Credit Union was established in 1934. Most of its members are those who live or work in Iowa or certain counties of Nebraska. However, it’s open to anyone who is a registered user of Dwolla, a financial technology company. This means you can join as long as you sign up for a personal account at Dwolla.
You’ll also need to open a savings account and deposit at least $5. If you’re already a member of a credit union or bank but would like to switch to Veridian Credit Union, the switch kit may be helpful.
21. Harborstone Credit Union
Harborstone Credit Union’s roots date back to 1955, when it was known as McChord Federal Credit Union and served airmen on the McChord Air Force Base. In 1996, the credit union expanded its membership to anyone in the state of Washington and changed its name as a result.
As long as you live, work, or worship in Washington, you may join Harborstone Credit Union and enjoy a variety of financial products and digital tools.
22. NASA Federal Credit Union
NASA Federal Credit Union began in 1949 to serve NASA employees. Since then, it’s grown to more than 177,000 members. While the credit union is headquartered in Upper Marlboro, Massachusetts, there are 12 branches in Maryland, Virginia, and Washington, DC.
Its product lineup includes a simple checking account with no minimum opening deposit, a savings account with a great rate, and several CDs. You can also monitor your credit score and make deposits with the mobile app. If you don’t work for NASA, you can still join. Simply sign up for a one-year membership at the National Space Society (NSS).
Hanscom Federal Credit Union opened in 1953. The credit union has over 20 branches in and around Boston as well as one in McLean, Virginia. It offers fee-free checking accounts, savings accounts with rewards, credit cards, and loans.
To join, you’ll need to support one of its partner organizations, such as the Burlington Players, a volunteer theater group. In addition, you’ll be required to deposit $25 into a free primary savings account.
24. Pen Air Federal Credit Union
Pen Air Federal Credit Union was founded in 1936 to support civil service employees of Naval Air Station Pensacola. It has 16 locations in northwest Florida and southeast Alabama. You may be surprised to learn that you don’t have to be an active duty or retired military member to join.
You’ll be able to take advantage of Pen Air Federal Credit Union if you become a member of the Friends of the Navy-Marine Corps Relief Society and deposit a minimum of $25 into a savings account. As a member, you can enjoy the Pen Air Platinum Mastercard, Share Savings account with the Round It program, and more.
25. State Department Federal Credit Union
State Department Federal Credit Union was founded in 1935. To join, you can become a member of the American Consumer Council for $8. This is a non-profit organization with a focus on consumer education and financial literacy.
The State Department Credit Union offers a long list of products and services, including basic, advantage, and privilege checking, a money market account, share certificate accounts, individual retirement accounts (IRAs), credit cards, and loans.
26. United Nations Federal Credit Union
United Nations Credit Union made its debut in 1947. As long as you join the United Nations Association of the United States of America, you can become a member.
UNFCU has a vast product lineup that includes a checking account, membership savings account, credit cards, debit cards, and loans, like car loans and debt consolidation loans.
Other membership perks include loyalty rewards, credit card rewards, and the member referral program.
27. Premier Members Credit Union
Premier Members Credit Union was established in 1959 for members of the Boulder Valley School District. You’re eligible to join if you make a donation to Impact on Education, a charity in the Boulder Valley School District, and open an online savings account or youth savings account.
As a member, you can expect perks, such as high interest rates on checking accounts, no monthly service fee, no overdraft fees, and free overdraft protection. The credit union also offers an extensive network of branches and ATMs for your convenience.
28. SRI Federal Credit Union
SRI Federal Credit Union is headquartered in Menlo Park, California. It was founded in 1957 and offers membership to anyone who joins the Financial Fitness Association for $8 per year.
The credit union’s account offerings include a checking and savings account, money market account, IRA, health savings account, and youth, teen, and gradate accounts.
29. United States Senate Federal Credit Union
United States Senate Federal Credit Union has been around since 1935. Its mission is to “improve the financial wellness of members throughout all stages and circumstances of life.” Its products are similar to what most credit unions offer.
As a member, you can enjoy access to a number of checking and credit union savings accounts, mortgage loans, personal loans, auto loans, Visa debit cards, and business advisory services. To join, you’ll need to become a member of the U.S. Capitol Historical Society for $65.
30. Wings Financial Credit Union
Wings Financial Credit Union was founded in 1938 by seven employees from Northwest Airlines. To date, it serves more than 320,000 members with more than $7.5 billion in assets. You can join if you donate $5 to the Wings Financial Foundation, even if you don’t work in the aviation industry.
There are no fees on its basic banking accounts, including its checking and savings accounts, a money market account, and CDs. Its high yield savings and checking accounts offer competitive rates to help you grow your money.
31. Skyward Credit Union
Skyward Credit Union was chartered in 1941. It offers a share savings account with competitive rates, an aim higher checking account with no monthly fees or minimum balance requirements, affordable mortgage and home equity loans.
It also offers online banking, a variety of insurance products, and access to over 30,000 surcharge-free ATMs. Like most credit unions require membership, so does this one. To become a member, join the Kansas Aviation Museum.
32. San Diego County Credit Union
San Diego County Credit Union has been around since 1938 and has over 430,000 credit union members. It’s considered the largest locally owned financial intuition in San Diego.
As a member, you can enjoy a free checking account, secured and unsecured credit cards, a wide range of account options with no service fees, and access to over 30,000 ATMs without ATM fees. To join San Diego County Credit Union, become a member of the Financial Fitness Association.
33. Bellco Credit Union
Bellco Credit Union is a Denver-based credit union that opened its doors in 1936. You can join it even if you don’t live in Colorado as long as you donate at least $10 to the Bellco Foundation, pay a one-time $5 membership fee, and deposit at least $25 in a savings account.
Once you do, you’ll have access to several noteworthy products, like the Boost Interest Checking account, which offers a competitive interest rate, the Premier Money Market Account, and two, no-fee credit cards.
34. Bethpage Federal Credit Union
Bethpage Federal Credit Union was founded in 1941 and currently has over 30 branches across Long Island and New York City. It has a reputation for competitive rates on it money market accounts and certificates of deposit (CDs).
The credit union also offers three checking accounts, a few savings accounts, retirement planning services, IRAs, insurance, and more. You don’t have to live in New York to join if you open a $5 savings account. As a member, you may meet with credit union staff virtually and bank on the go with a handy mobile app.
35. First South Financial Credit Union
First South Financial Credit Union opened its doors in 1957 to serve those on the Millington base. Since then, it has become of the safest financial institutions in the U.S., as stated by independent rating agencies. While the credit union has locations throughout Tennessee and Mississippi, its online banking services make it a suitable option if you live elsewhere.
Like other credit unions, it offers a full suite of checking, savings, CDs, and IRA accounts. To join, become a member of the Courage Thru Cancer Association, which supports St. Jude Children’s Research Hospital.
36. Dow Credit Union
Dow Credit Union was founded in 1937 in Midland, Michigan. It provides numerous products, including checking and savings accounts, certificates of deposit (CDs), HSAs, deposit trust accounts, and loans.
Fortunately, you don’t have to work at Dow Chemical to take advantage of them. To join, make a $10 donation to the Dow Chemical Employees’ Credit Union Endowed Scholarship Fund.
37. Blue Federal Credit Union
Blue Federal Credit Union was chartered in 1951 as Warren Federal Credit Union. If you’re looking for a high-yield checking account, you’ll appreciate its Blue Extreme Checking Account with no minimum opening deposit or monthly service fees.
Other perks include a tiered membership rewards program and round-the-clock customer service. The easiest way to become a member is to donate $5 to the Blue Foundation and open a Membership Share Savings Account with $5.
38. Digital Federal Credit Union
Digital Federal Credit Union (DCU), based in Marlborough, Massachusetts, was established in 1979. Today, it is known for its comprehensive range of financial products that includes checking and savings accounts, auto loans, mortgages, personal loans, credit cards, and wealth management services.
Perhaps one of DCU’s standout features is its commitment to digital banking, offering robust online and mobile platforms that compete with larger, nationwide banks. This makes DCU a fitting choice for those who prefer online banking, no matter where they live.
Membership is open to those who are a part of participating organizations or live, work, worship, or attend school in eligible communities. If you don’t fit those criteria, you can still join by becoming a member of a participating nonprofit organization, such as Reach Out for Schools, which requires a nominal donation.
See also: Best Nationwide Credit Unions of 2023
Bottom Line
Not all credit unions are created equal. Some have strict membership criteria, while others are more flexible. Before you join a credit union (or several credit unions) on this list, be sure to consider numerous factors.
You’ll want to look at eligibility requirements, branch location, monthly maintenance fees, accounts offered, interest rates, mobile banking, digital banking, reputation, and customer service. Best of luck as you explore the best credit unions and search for the perfect credit union.
Frequently Asked Questions
Can civilians join Navy Federal Credit Union?
Yes, civilians can join the Navy Federal Credit Union (NFCU), the largest credit union in the U.S. However, this is limited to immediate family members of service members in all branches of the armed forces. This broad eligibility criteria is one of the reasons why NFCU has grown to be the largest credit union in the country.
Can anyone join American Airlines Credit Union?
No, not anyone can join the American Airlines Credit Union. Membership is limited to those who work in the air transportation industry, including airlines, airports, and related businesses, as well as their family members. While this broadens the scope beyond just American Airlines employees, it still doesn’t include everyone.
Editor’s note: This is a recurring post, regularly updated with new information.
Last year, an average of over one in five flights were delayed, and about 2% were canceled. While that means most flights went out on time, millions and millions of travelers still found themselves not flying when they hoped.
Another busy travel season is upon us. When flight delays and cancellations do happen, there may not be a ton of additional seats available to simply hop on the next flight in some situations.
Here are tips on how to decrease your chances of getting stuck and increase your chances of arriving at your destination as quickly as possible, even if you get the unwelcome news that you are facing a flight delay — or worse.
How to find out if your flight might be delayed
In the current era of full flights and easily available information, don’t wait for the airline to tell you there is a problem.
You can keep an eye on general flight trends across the country on FlightAware, which gives you a good overview of how a day in the sky looks.
This page focuses on delays. Manually check the status of your flight on your airline’s website in the 24 hours leading up to travel. Also, check where the plane is coming from, if possible.
UNITED.COM
Also, opt in to flight notifications with your airline and download the carrier’s app on your phone. Here are details on that process with American Airlines and United Airlines. You’ll likely have more up-to-date flight departure information from your airline’s mobile app than what’s reflected on the airport departure and arrival boards.
You can also get flight status updates sent directly from FlightAware.
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When to arrive at the airport if your flight is delayed
PEOPLE IMAGE STUDIO/SHUTTERSTOCK
This can be a tricky one. If your flight is still listed as “on time” when you check the app, leave for the airport according to the original schedule.
Even if your flight shows as delayed in the app, it can be subject to change. It’s best to be at the airport ready to go at the originally scheduled time in most cases. We’ve certainly heard stories where the flight is suddenly ready to go sooner than expected, leaving some passengers behind. Sometimes you’ll receive confirmation well in advance that the flight will be significantly delayed. However, it’s safer to be at the airport, just in case.
Bad weather will sometimes cause a temporary ground stop at the airport. As soon as the weather gets better, the stop is lifted, and airlines try to get their flights off the ground ASAP.
Related: 3 things to do if your flight is delayed
What to do if there is bad weather
Monitor weather patterns starting a few days before your flight to see if any major systems are anticipated. It’s then vital to check the forecast on the night before and the day of travel to see how any issues could affect your departure and arrival airports.
Again, be sure to opt in for updates on your flight’s status. If you know bad weather is coming later in the day, ask for an earlier flight if you can. Alternatively, if you leave the night before, that’s a good idea, too.
BYCHYKHIN OLEXANDR/GETTY IMAGES
More and more airlines are allowing travelers to change plans with no fare difference prior to severe weather problems, like impending blizzards, ice storms or even heavy thunderstorms. Some will even proactively change your flight for you.
If you know bad weather is on the horizon, either go to your airline’s website and look for an advisory notice or call the airline to talk about options. If an airline gets ahead of weather issues, you may be able to reschedule your flight by a few days in either direction with no fees. Additionally, you can try asking for a nonstop flight if the weather is putting your connecting flight in jeopardy.
However, if the airline hasn’t issued its own advisory, you could have to pay out of pocket for any fare differences if you really need to get where you are going.
Related: How the weather affects your flight — the atmosphere and winds
What to do if your flight is delayed or canceled
If a flight delay happens and you want an alternative to waiting it out, check the airline’s app or in-airport kiosk for rebooking options. You don’t have to stand in line to talk to a real person in many cases, as you can self-service the rebooking with most major airlines. In fact, it may be faster to do it online or at a kiosk in the airport — and speed matters. You may be able to rebook at a new flight time or even to a new “nearby” origin or destination city.
There are times when automated rebooking systems are not your best option, though. Sometimes, the only automated option is for a red-eye flight or a future flight heading to your destination more than two days later. That’s especially true with flights as full as they are right now.
If you can’t find what you need online, find an airline employee who knows how to work the ticketing desk. Look at their uniforms and name tags to ensure you get a ticket agent and not a baggage handler or similarly outsourced contractor.
If the U.S. call center has a long hold time (which happens during widespread issues), you can try dialing an international number for faster service. You might also find success reaching out to an airline on Twitter, via chat or other social media channels when customer service lines are busy.
For example, when the first leg of an American Airlines flight from New York City to Arkansas just before Christmas was delayed, TPG editor Madison Blancaflor missed her connection.
She reached out to American Airlines on Twitter to help ensure she was rebooked on the earliest possible flight. She still had to endure a long layover in Charlotte, but it was better (and less stressful) than rushing to the customer service desk to try and rebook upon arrival in Charlotte.
If there are no reasonable booking options left with your carrier, ask if there are options on another airline. If the delay is weather-related, and you are on a basic-economy ticket or are flying on a low-cost carrier, there might not be other airline options at your fingertips. Still, it’s worth asking and — if possible — presenting available options you have researched yourself.
Related: Top tips to get through to airline customer service faster
Retreat to a lounge
If you have airline club access at a United Club, Delta Sky Club or similar, you can head there for help from experienced agents with potentially shorter lines. Use it as a spot to gather your thoughts, charge your phone and make level-headed decisions. The agents there might be able to help you change or track your flight.
In third-party lounges, such as an American Express Centurion Lounge, you won’t be able to get that type of airline-specific assistance, but you’re still probably in a better spot to wait out the storm than in a crowded terminal.
Related: Best credit cards for airport lounge access
Rebook your flight
Sometimes, if you really need to get home, you may need to do the work and layout for the expenditure for a new flight yourself.
During a delay while traveling from Orlando to Houston when my original carrier couldn’t get me home for more than 24 hours after my initial flight was canceled, I found a nonstop Southwest Airlines flight with one last seat available for $463.
Even though rebooking yourself will not typically be covered by any insurance or carrier, I went for the Southwest option and got my original United ticket refunded, which at least offset some of the pain of a new ticket. In my case, it was worth controlling my own destiny and not being stuck.
Your credit card’s built-in trip delay or trip cancellation coverage can help with many unexpected expenses in the face of delays and cancellations, but a brand-new flight home isn’t likely to be one of them. Still, in some cases, it may be the only way home for a while, so you’ll have to weigh the pros and cons.
Related: When to buy travel insurance vs. when to rely on credit card protections
Check airport hotels
While thinking through what to do in case of a flight delay or cancellation, consider your options at airport hotels, which can fill up if there are major delays and cancellations. Sometimes, it is best to pull the plug on getting home that day, get some good rest and try again in the morning.
Airport hotels are generally pretty affordable on points, although cash rates can skyrocket when demand surges. Accommodations are typically covered by trip delay protection, offered by cards like the Chase Sapphire Reserve and The Platinum Card® from American Express.*
* Eligibility and benefit level vary by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
The Hyatt Regency Orlando International Airport. SUMMER HULL/THE POINTS GUY
Show up early for standby flights
If you know in advance that your flight is canceled or delayed, heading to the airport early could score you a same-day standby flight that gets you to your destination early.
For example, a TPG staffer was able to use this strategy to avoid getting stuck overnight when a hiccup with his flight from Austin to New York City would have caused him to miss a connection in Dallas. Since he had A-List status with Southwest, he showed up at the airport a bit earlier and did a free same-day standby onto an earlier flight that connected to a different city. His A-List status bumped him to the top of the standby list and onto the flight.
Getting on the standby list isn’t a foolproof method, especially if the earlier flight is almost full. This is a case where having elite status can help since you’ll have priority over non-elite travelers. Additionally, some airlines charge a fee for non-elite travelers to get on the standby list for an earlier flight.
Related: Best credit cards for airline elite status
How to get a refund or flight compensation
If you decide not to fly your originally scheduled flight in light of major delays and cancellations, get your money or points back. Do not settle for an airline voucher that may be hard to use and eventually expire.
You may have a cancel-and-refund option available to you online or in the airline’s app. If not, you can ask an airline employee for assistance in person or over the phone. Just be sure to cancel your original flight before its eventual departure so you can get the money or miles (hopefully) returned.
Know your rights and take stock of your credit card protections. You’ll have to read some fine print, but you may be entitled to accommodations, credits or expense reimbursement by the airline or from your credit card (usually depending on the length of your delay and the reason for delay or cancellation).
Many travel credit cards offer trip delay insurance that can save you money when you’re stuck somewhere. While it won’t help you avoid cancellations or delays, it could help you cover expenses while you wait for your flight.
Related: You are entitled to a refund for your canceled flight — even if the airline says you aren’t
Cards that provide travel protection
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There are many rewards credit cards that help confer valuable travel protections when you do have a delayed or canceled flight (if you used them to book your flight). Below are just a few examples of cards that provide some built-in coverage:
Chase Sapphire Reserve: Provides a $300 annual travel credit, up to $20,000 in trip cancellation coverage, up to $75,000 in car rental coverage, trip delay benefits of up to $500 per person that kick in starting at a six-hour delay and more.
Chase Sapphire Preferred Card: The Chase Sapphire Preferred includes trip cancellation and interruption insurance, trip delay reimbursement, emergency assistance services and more.
American Express Platinum: In addition to the extensive lounge benefits and up to $200 in annual airline fee credits, the Platinum card also provides trip cancellation and interruption insurance for up to $20,000 of a covered trip and incident.
Make a decision
Last but not least, we don’t recommend being too indecisive in the face of delays and cancellations. If you are, expect your options to dwindle. Once you finally decide to wait it out or try and switch flights, you will be at the mercy of whatever options the airline has to offer … which may not be great.
As you wait, flight options are likely to disappear as hundreds (or thousands) of other passengers beat you to rebooking. Weigh your realistic options and make a quick decision if you want to keep some control of your schedule.
If you’re OK getting stuck somewhere for a bit or taking a creative route home, waiting for the airline to direct you is a feasible option. Just don’t stress about your decision once you make it.
Your credit card’s built-in travel protections may cover unexpected expenses not covered by the airline (such as a hotel for an overnight weather delay, though not a new flight) if you get stuck during your journey.
In my Orlando example, my original flight was stuck in Denver with a five-hour weather delay, so the odds of that flight getting me where I needed to be that day didn’t seem great. When I didn’t clear standby on the other United flight to Houston from Orlando that night, I made a decision and stuck with it.
I left the terminal and headed to my new Southwest flight in another terminal (Clear and PreCheck helped with that quick transition). Yes, that choice cost me a new flight home, but I had to make that call right then or roll the dice on my United flight making it out that day.
I wasn’t in a gambling mood when it came to getting home, and I understood the out-of-pocket implications.
SUMMER HULL/THE POINTS GUY
Bottom line
Most of the time, your flight will get you where you need to be close to when you want to be there. Still, flight delays and cancellations happen.
If your flight is delayed by an hour or two, there’s not usually much to do other than be patient. However, when facing a long delay or cancellation, it’s good to have a plan to reduce the odds of getting stuck.
Given the common theme of full passenger loads on flights these days, acting quickly, researching options and making a speedy decision will put you ahead of the pack.
Related: Best credit cards that offer trip delay reimbursement
Additional reporting by Melissa Klurman, Kristy Tolley, Victoria Walker, Madison Blancaflor, Benji Stawski and Benét J. Wilson.
New Zealand has long been on my bucket list, so when the opportunity to spend a night in Auckland presented itself, I jumped on it.
Although I would have liked to stay longer than 24 hours, I thoroughly enjoyed my time at the Park Hyatt Auckland. Given the property’s modern feel and its relatively cheap cost in points, I’ll absolutely be returning.
Booking
There aren’t that many Park Hyatts in the world; fewer than 50 are either open or being built. The Park Hyatt Auckland is a great deal when it comes to these top luxury properties.
As a World of Hyatt Category 5 hotel, a night here can cost as few as 17,000 Hyatt points at off-peak times. I spent 20,000 points for a standard night. The room I booked would have cost just over $400 in cash.
If you have Globalist elite status with Hyatt, you might get upgraded when you visit, as I did. Although the hotel was almost fully booked, I was able to score an upgrade to the best-available room, which featured a harbor view and a balcony.
🤓Nerdy Tip
The Park Hyatt Auckland levies additional charges on payments made with credit or debit cards. In this case, I would have paid a 2% surcharge if I hadn’t used points to book.
Location
(Photo courtesy of Carissa Rawson)
The Park Hyatt Auckland is centrally located on the city’s famous harbor. Several shops, boats, cafes and more are within walking distance, making it a great option for those without a car.
Accommodation
(Photo courtesy of Carissa Rawson)
My room was ready when I arrived at the hotel just after noon, a few hours before standard check-in time. It looked to be among the first they’d cleaned, and I was thrilled not to have to wait around in the lobby, even though it looked very sleek.
The room included state-of-the-art features such as automated window shades and external screens on the balcony. And the view was incredible.
(Photo courtesy of Carissa Rawson)
The room featured one large king bed, a separate table with a chair, and a seating area.
(Photo courtesy of Carissa Rawson)
There was also a paid minibar at the entrance, though I didn’t partake.
The large balcony had a nice table with a couple of chairs, though the low height meant staring through the fencing, which was awkward.
(Photo courtesy of Carissa Rawson)
Inside the walk-in closet were a pair of robes and slippers, which I used while in the room.
(Photo courtesy of Carissa Rawson)
However, the most remarkable feature was the bathroom, which was separated into two distinct areas.
(Photo courtesy of Carissa Rawson)
The first area was a stand-alone powder room with its own sink and a toilet, while the main bathroom featured a huge soaking tub, two marble sinks and a shower.
(Photo courtesy of Carissa Rawson)
Toiletries in the bathroom were by Citron and Vetiver. I don’t often use hotel toiletries, as I find the quality pretty low (even at really nice hotels), but these smelled nice and were good enough to detangle my hair.
(Photo courtesy of Carissa Rawson)
I spent the majority of my time in Auckland in the room, catching up on work, so I deeply appreciated the chocolate bar left on the bed.
(Photo courtesy of Carissa Rawson)
A few minutes after I arrived, I was also surprised with a welcome amenity of Pavlovas with cream and lemon curd. It also included two additional bottles of water.
I’m not ashamed to say these freebies constituted my dinner for the evening, especially since the Park Hyatt Auckland doesn’t have its own executive lounge.
Food and beverage
Globalist members and their guests receive complimentary breakfast at Hyatt hotels, either in the club lounge or the hotel’s restaurant. As there was no club lounge, instead I enjoyed breakfast at Onemata, the hotel’s signature restaurant.
Globalist members are entitled to both the breakfast buffet and an entree from the menu, as well as hot drinks.
Breakfast hours vary based on the day:
Monday to Friday: 6:30 a.m. to 10:30 a.m.
Saturday, Sunday and public holidays: 7 a.m. to 11 a.m.
I’ll admit, I went a little wild.
(Photo courtesy of Carissa Rawson)
The buffet wasn’t huge, but it included high-quality items such as:
Smashed avocados.
Burrata with tomatoes.
Cold cuts.
Fresh fruits.
Chocolate milk.
(Photo courtesy of Carissa Rawson)
When was the last time your local breakfast buffet came with kiwifruit, a caprese salad, avocado toast and locally produced chocolate milk? I rate this one a 10 out of 10.
I also ordered eggs Benedict from the main menu, but didn’t end up eating much of it. I blame the chocolate milk.
The hotel also has a few other dining options, including a lobby bar and a quick-service spot:
The Living Room: Open 8 a.m. to 9 p.m.
The Pantry: Open 7 a.m. to 2 p.m., or 8 a.m. to 3 p.m., depending on the day of the week.
Captain’s Bar: Open 4 p.m. to 11 p.m. or midnight, depending on the day of the week.
The Living Room, which is essentially a lobby bar, looked like a great place to take in the view over drinks.
Otherwise, Onemata is also open for lunch and dinner.
Amenities
Pool
(Photo courtesy of Park Hyatt New Zealand)
The pool area isn’t huge, as you’d see at a resort hotel, but that’s expected given that you’re in the middle of a city. What it lacks in size, it makes up for with its great view.
The pool area is open from 6:30 a.m. to 9:30 p.m.
Gym
(Photo courtesy of Park Hyatt New Zealand)
For those looking to get in a workout, the hotel gym is open 24 hours and has a wide range of equipment, including treadmills, free weights and resistance machines.
How to get to the Park Hyatt Auckland
New Zealand is an interesting beast when it comes to flights. It’s decently connected to the U.S. with nonstop flights operated by Air New Zealand, United Airlines, Hawaiian Airlines and more.
If you’re looking to travel with points or miles, one solid option is using Virgin Atlantic points to fly on Air New Zealand. A one-way business class flight from the U.S. to Auckland costs 62,500 Virgin points. Although these seats can be hard to find, Virgin Atlantic points are easy to earn compared with other airline award currencies. They’re transfer partners with the following points programs at a 1:1 ratio:
The Park Hyatt Auckland is located about 13 miles from Auckland’s airport. Trains from the airport into the city stop a little over a half-mile from the hotel, but I opted to take a rideshare since I had luggage with me. The ride took about half an hour and cost around $35.
If you’re looking to stay at the Park Hyatt Auckland
I spent just over 24 hours at the Park Hyatt Auckland, and I was very impressed overall. Although I didn’t manage to snag a suite upgrade, the modern amenities and generous breakfast made it well worth my while.
Coupled with the incredible location and reasonable cost in points, this is one property I’ll be happy to revisit.
(Top photo courtesy of Hyatt)
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:
