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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.

See current offer

At a glance

Welcome bonus: 90,000 miles; Spend $5,000 in 3 months
Annual fee: $695; Year-one and ongoing
Purchase APR: 19.99% to 28.49%; 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

Benefits

Key benefits

Full United Club membership

You plus a guest get access to 45+ United Clubs. Star Alliance lounge access is no longer included by default -- it now requires the separate All Access tier, unlocked at $50,000 in annual card spend or Premier Gold+ status.

Two free checked bags and Premier Access

Priority check-in, security, boarding, and baggage for you and a companion.

IHG Platinum Elite status

Complimentary status for the cardholder plus 1,500 PQP annually and strong PQP earning on spend.

Fit