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Chase · united

United Club Card

4.1 / 5

United MileagePlus miles · Personal card

A United Club membership costs more than this card. If you would buy the membership anyway, the card pays for itself before the first swipe.

Compare featured offers Read issuer terms

At a glance

Issuer terms

Welcome bonus: 80,000 miles; Spend $5,000 in 3 months
Annual fee: $695; Year-one and ongoing
Purchase APR: See terms; No intro APR
FX fee: None

Editorial

Our take

A United Club membership costs more than this card. If you would buy the membership anyway, the card pays for itself before the first swipe.

Verdict

Pros & cons

Pros

Full United Club membership with a guest
5x on United purchases
Two free checked bags plus Premier Access
Primary rental coverage

Cons

$695 is steep without Club usage
Dynamic award pricing on United
Credits lean on United ecosystem spend

Earnings

Earn rates

Category	Rate	Notes
United purchases	5x miles
Prepaid hotels via issuer portal	5x miles	Renowned Hotels and Resorts prepaid stays.
All other travel	2x miles
Dining	2x miles
All other purchases	1x miles