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Do you check bags when you fly, or do you only take carry-ons? If you'll be flying domestic routes in Coach, you will typically be charged for checked baggage, unless you have elite status or hold a co-branded airline credit card, such as the Chase United Explorer card, the Amex Delta card, or the Barclays or Citi AA card. (Southwest still offers free checked baggage on all fares.)

Are there airlines besides UA that would be useful for you based on your home city and your intended destinations?

One of the most valuable transfer options for Chase UR points is Hyatt. But if it is your intention to stay primarily at Hilton properties, then Hyatt transfers probably won't make much sense for you.