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Credit Cards

How to book hidden, cheaper award flights with the United Airlines credit cards

You can access more United award seats than other flyers by holding the right credit card.

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Bloomberg | Bloomberg | Getty Images

Some Chase cards are currently not available on CNBC Select but you can check out our marketplace to compare offers from other issuers including American Express and Citi.

If you fly United Airlines with any regularity, you may be familiar with the United MileagePlus loyalty program. What you might not know is that it offers a unique feature where it reserves some flight award availability for certain customers.

Just as United sells different cash fare levels (such as economy and refundable economy), it also sells different award seat levels:

  • Saver awards
  • Standard awards

Saver awards are the cheapest option and generally the only awards that provide a good value for your miles. Standard awards can cost significantly more, but they are more plentiful. When there are no saver-level awards available on a flight, the remaining seats are sold as standard awards, but they are typically much more expensive and priced based on the cash cost of the ticket.

However, there's a nearly effortless way you can find lots of saver-level award seats which the vast majority of United flyers can't. This benefit is usually only available to customers with MileagePlus Premier elite status— but United Airlines credit cardholders can get it, as well.

Here's everything you need to know about this underrated United Airlines trick that can help you save a ton of miles on your next trip. 

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Unlocking United's expanded award availability

United Airlines releases "secret," lower-priced economy award availability to the following customers:

This expanded availability is offered on both domestic and international United-operated flights.

If you don't satisfy at least one of the above bullets, you won't even know these extra economy seats exist. Regular United Airlines seats appear as fare code "X," while these hidden awards appear as fare code "XN." You'll only see the hidden seats when you're logged into your United Airlines account, as that's the only way the site can know if you qualify.

Let's view an example by looking at flights from Chicago to Nashville. Here's what someone without a United Airlines credit card sees: Three Saver flights with fare code "X."

Photo courtesy of united.com

Now here's what someone with an eligible United credit card sees: A fourth Saver flight that wasn't offered to the non-cardholder. You'll notice that all these flights appear as "XN" — even the ones that previously appeared as "X" — indicating that the card member is booking from the pool of exclusive seats.

Photo courtesy of united.com

Pro tip: If you're short on United miles, you can dip into your Chase Ultimate Rewards® balance and transfer points to the airline.

United credit cards that offer extra award seats

All United Airlines co-branded credit cards with an annual fee will unlock this expanded award inventory benefit:

These cards come with other great benefits as well, not to mention large sign-up bonuses. Depending on which card you've got, you could get things like preferred boarding, free checked bags, United Club lounge access, annual flight credits and much more. The top-tier United Club Card even offers an additional 10% discount on United-operated economy saver awards within the continental U.S. and Canada, which can be stacked with the expanded award availability.

United℠ Explorer Card

CNBC Select Rating
5.0

On Chase's site

CNBC Select Rating
5.0

On Chase's site

Credit score

Good to Excellent670–850

Regular APR

19.74% - 28.24% Variable

Annual fee

$0 intro annual fee for the first year, then $150

Welcome bonus

Earn up to 60,000 bonus miles

See Rates and Fees. Terms apply. Member FDIC.

The United℠ Explorer Card is worth it even if you only fly with United Airlines once or twice a year because you can take advantage of two United Club℠ passes per year when the primary cardmember or authorized user is traveling and you can receive free checked bags.

Highlights

Highlights shown here are provided by the issuer and have not been reviewed by CNBC Select's editorial staff.

  • Earn up to 60,000 bonus miles
  • $0 introductory annual fee for the first year, then $150
  • NEW! 9x total miles on eligible United flights and 3x miles on all other eligible United® purchases
  • 2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.
  • Free first checked bag - a savings of up to $200 per roundtrip. Terms Apply. Plus, priority boarding on United® flights.
  • 2 United Club one-time passes per year - over a $100 value
  • Over $500 in partner credits each year
  • NEW! Save 10% or more when booking flights with miles. Premier members save even more.
  • Member FDIC

United Quest℠ Card

CNBC Select Rating
4.8
CNBC Select Rating
4.8

Spotlight

The United Quest℠ Card is currently not available on CNBC Select but you can check out our marketplace to compare offers from other issuers including American Express and Citi

Credit score

N/A

Regular APR

See terms

Annual fee

See terms

Welcome bonus

See terms

*See rates and fees, terms apply. Information about the United Quest℠ Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.

United Club℠ Card

CNBC Select Rating
4.5
CNBC Select Rating
4.5

Spotlight

The United Club℠ Card is currently not available on CNBC Select but you can check out our marketplace to compare offers from other issuers including American Express and Citi

Credit score

N/A

Regular APR

See terms

Annual fee

See terms

Welcome bonus

See terms

*See rates and fees, terms apply. Information about the United Club℠ Card has been collected independently by CNBC Select and has not been reviewed or provided by the issuer prior to publication.

Bottom line

Whether you're trying to book a super popular flight that books up fast or a route for which United dedicates far fewer flights (and therefore fewer award seats), having access to an exclusive pool of award seats can come in handy.

If you've already got a United Airlines credit card, this is a great reason to keep it. If this unique perk interests you, it may be reason enough to open a United card and why they are considered some of the best airline credit cards on the market.

Catch up on Select's in-depth coverage of personal financetech and toolswellness and more, and follow us on FacebookInstagram and Twitter to stay up to date.

Information about the United℠ Business Card has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

How to Unlock Expanded Award Availability With United Credit Cards

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