United Airlines CEO: Credit Card Profits Are Overstated, Unprofitable Flights Should Be Cut
United Airlines CEO Scott Kirby said airline profits from credit card partnerships are often overstated and argued that unprofitable flights should not be maintained solely for strategic reasons. Speaking on the Cheeky Pint podcast, Kirby noted that approximately 50,000 passengers travel on United Airlines every day using miles earned through credit cards, emphasizing that transporting these passengers also comes at a cost to the airline.
Kirby criticized airlines for maintaining unprofitable routes to retain corporate customers, expand loyalty programs, or boost credit card sales. Referring to the intense competition with American Airlines at Chicago O’Hare International Airport, Kirby estimated that American would lose approximately $1.5 billion from its Chicago operations in 2026. However, American Airlines management previously stated that its Chicago operations cover direct operating costs, aircraft ownership expenses, and hub-specific costs, with losses appearing only after corporate overhead is allocated.
Kirby’s remarks drew attention because he had previously argued that expanding United Airlines’ route network would help attract more credit card customers. In 2017 and 2018, he emphasized that network growth would increase MileagePlus memberships and revenue from Chase credit card partnerships. United’s current strategy of offering free Starlink Wi-Fi to MileagePlus members is also viewed as part of a similar approach to strengthening customer loyalty.
Credit card partnerships remain a significant source of high-margin revenue for major U.S. airlines. American Airlines aims to increase annual revenue from its Citi partnership to $10 billion, while Delta Air Lines has also considered the potential of the American Express credit card market in its expansion plans in Austin, highlighting the growing importance of this business.
Sources: Cheeky Pint – Scott Kirby Interview (October 27, 2026); View from the Wing – Gary Leff (October 29, 2026).
