United Club Card
$750 United Club membership, over $875 in annual credits, and 11x total miles on United flights
The United Club Card pairs full United Club membership (a $750+ value) with over $875 in annual partner credits, free checked bags worth up to $440 per roundtrip, and the highest PQP earning cap (28,000) among United cards, which can offset the $695 annual fee for frequent United flyers.
- Annual Fee
- $695
- Welcome Bonus
- Up to 100,000 miles
- Highest rate (conditional)
- Up to 5X (Travel portal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $695
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Infinite
- Rewards Currency
- United MileagePlus
- Point Valuation
- 1.2–1.2 cpp (mid: 1.2)
- Credit Required
- Excellent
Welcome Offer
Up to 100,000 miles
- 90,000 miles after $5,000 in purchases in the first 3 months
- + 10,000 miles after adding an authorized user in the first 3 months
The total needs every stage above. Meet only the first and you earn 90,000 miles.
Earn 90,000 bonus miles after spending $5,000 on purchases in the first 3 months. Plus earn 10,000 bonus miles for adding an authorized user in the first 3 months. This is a limited-time offer; Chase states no end date. At TPG's 1.4 CPP valuation, the 90,000 miles alone are worth about $1,260.
Earning Rates
- 5X
Hotels
5x miles on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers
- 5X
United
5x miles on United purchases
- 5X
United
5 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
- 2X
Travel
2x miles on all other travel purchases
- 2X
Dining
2x miles on dining purchases including eligible delivery services
- 2X
Hotels
2x miles on hotel stays booked directly with hotels
- 2X
Ridesharing
2x miles on ridesharing services
- 2X
Transit
2x miles on transit purchases
- 1X
All Other
1X miles on all purchases
Earning Scenarios
5x miles on United purchases
$2,000 in United flights = 10,000 card miles (plus 6x from MileagePlus = 22,000 total)
2x miles on all other travel
$500/month on travel = 12,000 miles/year from card spending alone
2x miles on dining
$400/month on restaurants and delivery = 9,600 miles/year
1x mile on everything else
$1,500/month on other spending = 18,000 miles/year
Benefits & Perks
Travel Benefits
6 perksGeneral Travel
Elite Status
Flights & Airlines
Annual Credits & Statement Credits
7 creditsUp to
$945
in recurring credits (annual)
$200 Renowned Hotels
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and
$200
Annual
$100 Avis/Budget travel
Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through
$100
Annual
$20/mo Instacart+
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart when you pay with your
$20
Monthly
$150/yr rideshare
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Card: $12 back as
$12.50
Monthly
$200/yr JSX flights
Get up to $200 back each anniversary year when you book flights directly with JSX using your card.
—
Annual
$120 Global Entry/TSA PreCheck
Get reimbursed for Global Entry, TSA PreCheck, or NEXUS application fees with automatic statement credits every 4 years.
—
Annual
Show all 7 creditsShow fewer credits
25% United inflight purchases
Get 25% back as a statement credit when you purchase food, beverages, Wi-Fi, and premium drinks at United Clubs with your card.
$25
Per transaction
Lounge Access
United Club membership with guest access
Full United Club membership ($750 value) with unlimited access. Includes one adult guest plus children under 18.
1 guest free
Elite Status & Memberships
Fast track to top-tier perks
Earn up to 20,000-miles in award flight discounts each year
Earn a 10,000-mile discount after spending $20,000 each calendar year with your United ClubSM Card — up to two times per calendar year.
IHG One Rewards Platinum Elite status
Platinum Elite status in IHG One Rewards — complimentary room upgrades and extended check-out as available.
10% or more off United awards
Book award flights on United or United Express with at least 10% fewer miles (15% with Premier status).
United Card Events from Chase and United MileagePlus Events
Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private,
Avis President's Club®
The primary Cardmember of the United Club℠ Card is invited to enroll in Avis President's Club® and enjoy complimentary two-car class upgrades,
MileagePlus miles don't expire
MileagePlus miles never expire. This MileagePlus program benefit gives you a lifetime to use your miles on flights and much more.
Earn up to 28,000 Premier® qualifying points (PQP)
You'll earn 1 PQP for every $15 you spend on purchases with your Club Card, up to 28,000 PQP in a calendar year. This can be applied toward your
Insurance & Protections
8 protectionsTrip cancellation coverage up to $10,000 per traveler
primary
Reimbursement for nonrefundable travel expenses when canceling due to illness, weather, or jury duty. Up to $10K per traveler.
Return Protection
$500
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. Up to $500 per item, $1,000 per year
Trip delay coverage up to $500 after 12 hours
primary
Get reimbursed for meals, hotel, and essentials when your travel is delayed 12+ hours or requires overnight stay. Up to $500 per traveler.
Primary car rental insurance up to $60,000
primary
Skip rental counter insurance with primary coverage for theft and collision damage on rentals up to 31 days. Covers vehicles with MSRP up to $125,000.
Extended warranty adds 1 year to manufacturer warranty
Get an extra year of warranty protection on purchases with original warranties of 3 years or less.
Show all 8 protectionsShow fewer protections
Lost baggage coverage up to $3,000 per traveler
secondary
Get reimbursed for lost, damaged, or stolen baggage contents with coverage up to $3,000 per traveler after airline reimbursement.
Purchase protection up to $10,000 per item for 120 days
primary
Protect your purchases against damage or theft for 120 days. Includes return protection up to $500 per item if store won't accept returns.
Baggage delay coverage $100/day up to 3 days
primary
Get reimbursed for essential purchases when your baggage is delayed over 6 hours. Up to $100 per day for up to 3 days.
Dining Out
2x at restaurants
MileagePlus
≈$2.40 in value on a $100 dinner, at our valuation of 1.2¢ per point
Annual fee: $695
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
MileagePlus
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Program Ratings
Recent Changes & News
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | economy | Europe |
| US to Hawaii in Economy | 17,200 | economy | United States |
| US to South America in Economy | 20,000 | economy | South America |
| US to Europe in Economy | 26,700 | economy | Europe |
| US to Southeast Asia in Economy | 39,200 | economy | Asia |
| US to South America in Business | 60,500 | business | South America |
| US to Europe in Business | 80,000 | business | Europe |
| US to Africa in Business (Partner) | 88,000 | business | Africa |
| Short-Haul US Domestic Economy | 5,000 | economy | United States |
| US to Mexico in Economy | 10,000 | economy | Central America |
| US Transcontinental Business/First | 30,000 | business | United States |
| US to Asia in Polaris Business | 100,000 | business | Asia |
Reviews & Analysis
Third-Party Rankings & Ratings
5 sourcesCategory Rankings (6 categories)
How It Compares
The highest-tier United card with full United Club membership, over $875 in annual credits (Renowned Hotels, JSX, Instacart, rideshare, Avis/Budget), 5x on United purchases, and the best PQP earning potential at 28,000/year. Best for frequent United flyers who use United Clubs regularly.
Editorial Review
Frequent United flyers will find the United Club Credit Card worthwhile for its valuable sign-up bonus and United Club membership, while occasional travelers may benefit temporarily before canceling due to the high annual fee.
Key Takeaways
The United Club Card caters to a specific audience, and only those who fly United multiple times per year will find the high annual fee ($695 ) justifiable. If you’re not a United loyalist but have a few United flights planned in the upcoming year, you could still benefit from getting the card and then cancelling. The signup bonus of 90,000 miles and United Club membership alone make this card valuable. If you’re at the point in your miles journey where you’re looking at co-branded airline cards, United is the one we recommend first. It’s our favorite airline for collecting points, as it offers great redemption, particularly for international and business flights, and it’s a partner with Chase, making topping off easy.
Why This Card Could Be Right For You
The United Club membership is its most significant perk, valued at about $750 annually. This membership provides unlimited access for you (and eligible companions) to United Clubs and select Star Alliance lounges. Additional travel benefits include first and second checked bags for you and one companion on the same reservation, TSA PreCheck/Global Entry reimbursement (up to $120 every four years), and Platinum Elite status with IHG One Rewards. You’ll also get premier access travel services such as priority check-in, security screening, boarding, and baggage handling.
This card covers its bases by offering a range of credits to entice cardmembers to stick around. You’ll receive:
- $150 in annual rideshare credits ($12 per month, plus $18 in December)
- $240 in annual Instacart credits (two $10 credits per month)
- $200 in annual credits on prepaid hotel stays through Renowned Hotels and Resorts
- $200 in annual credits on flights purchased through JSX
- $100 in Avis or Budget credits (split into two $50 credits) and complimentary Avis President’s Club membership
You’ll also enjoy a 10% Saver Award discount when booking award flights. Remember, you can redeem MileagePlus miles with any Star Alliance partner airline to maximize your miles.
Read full review (3 more sections)
When The Usual Advice Doesn't Apply
Here are some exceptions where the card might not be good for you:
- If you don’t fly United/Star Alliance multiple times per year
- If you don’t often travel through airports with United Club or participating Star Alliance lounge
What to Know About United MileagePlus
United is a solid option for international flights, especially for business class.
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
How The United Club Credit Card Fits In The United MileagePlus Ecosystem
United has a card for everyone, depending on travel habits:
- United Gateway: $0 annual fee, low sign-up bonus, limited benefits (in line with no annual fee).
- United Explorer: $150 annual fee (waived the first year), decent 70,000-mile sign-up bonus, plus two United Club passes per year.
- United Quest: $350 annual fee, 80,000-mile sign-up bonus, two free checked bags, $200 in annual United credits, and additional credits to compare with the Explorer card.
If you’re close to hitting your 5/24 limit, there are two business cards to consider:
- United Business Card: 75,000-mile sign-up bonus, $150 annual fee (waived the first year), two United Club passes per year, and a free checked bag.
- United Club Business Card: $695 annual fee, offering United Club membership and similar perks to the personal United Club Credit Card.
Pros and Cons
Pros
- +Full United Club membership included ($750/year value) with 1 adult guest
- +Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
- +Two free checked bags for cardholder plus companion
- +5x miles on United purchases (highest among United cards)
- +Save 10% or more when booking flights with miles
- +Up to 20,000 award miles back per year (10K per $20K spend, twice)
- +$240/year Instacart credits (through 2027) with a complimentary Chase Instacart+ membership
- +$200 Renowned Hotels credit annually
- +$150 rideshare credit per calendar year
- +$100 Avis/Budget and $200 JSX credits each anniversary year
- +Premier Access: priority check-in, security, and boarding
Cons
- -$695 annual fee is the highest among United cards
- -United Club access only useful at airports with United presence
- -Guest policy limited to 1 adult (plus children under 18)
- -Renowned Hotels credit requires booking through specific portal
- -No direct TravelBank credit like Quest card offers
- -Requires excellent credit to qualify
- -Less valuable if you already have Premier status with existing lounge access
Who It's Best For
Best For
- Frequent United flyers who visit United Clubs regularly
- Road warriors seeking the highest PQP earning potential (28K cap)
- Travelers who value lounge access with guest privileges
- High spenders who can maximize the 20K+ award miles back per year
- United loyalists pursuing Premier status through card spending
Not Ideal For
- Occasional United flyers (Explorer or Quest offer better value)
- Those who already have lounge access through other means (Priority Pass, Amex Centurion)
- Travelers who primarily fly out of airports without United Clubs
- Those uncomfortable with the $695 annual fee
- People who don't fly United enough to use the $200 Renowned Hotels credit
The Math: Is $695 Worth It?
First-year value includes $1,080 welcome bonus (first stage)
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$567
Annual Fee
-$695
Net Annual Value
-$128
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
Payment Terms
| Purchase APR | 19.99%–28.49% (Variable) |
| Cash Advance APR | 28.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
FAQs
Do MileagePlus members get free bags?
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
How many MileagePlus miles do you need for a free flight?
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
Is a United Club subscription worth it?
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
How to earn United miles quickly?
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
Do United miles expire?
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Can you pool United miles with family members?
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
Media & Resources
Video Reviews
8 videosThe Best Premier Travel Credit Card in 2025 That No One Talks About
The United Club Infinite Card | Is It Worth It?
United Club Infinite Card Review: Worth the $525 Annual Fee?
United Club Infinite Credit Card Review | Chase United Club Infinite Card WORTH IT in 2024?!
BEST AIRLINE CARD EVER? | HONEST REVIEW OF UNITED CLUB INFINITE CARD
MAJOR CHANGES to the United Club Card | NEW Review
United Club Membership Review 2025 | Pros and Cons
Third-Party Articles & Reviews
United Club Card review: Airport lounge access and more perks
Yahoo Finance review notes the steep $695 annual fee requires frequent United flying to justify the value, with breakdown of United Club access and travel benefits.
United Club Card 2026 Review
U.S. News reviews the United Club Infinite Card's worldwide airport lounge access, 4 miles per dollar on United purchases, and two free checked bags benefit for cardholders and companions.
One Mile at a Time: United Club Card Review
OMAAT review highlights the huge welcome bonus, lounge access, ability to earn elite status through credit card spending, and strong perks including Premier Access travel services.
Should you upgrade to the United Club card?
Simple Flying analyzes whether upgrading to the United Club Card is justified by the United Club membership and premium benefits.
United Club Card review: United Club lounge access and elite airline benefits
Comprehensive review covering United Club membership, statement credits, travel benefits, and earning rates. TPG rates the card 3 out of 5 stars.
United Club Card - Full Review [2026]
Detailed analysis of United Club Card benefits including lounge access, free checked bags, and up to 28,000 Premier Qualifying Points earning potential per year.
United Club Card Reviews: Is It Worth It? (2026)
WalletHub analysis concludes the card is worth the $695 annual fee for high-spending frequent travelers who qualify for the large initial bonus and take advantage of United rewards rates.
United Club Card Review 2025
Daily Drop examines the United Club Card's ability to earn up to 28,000 Premier Qualifying Points per year, helping cardholders reach higher United elite status levels.
Chase United Club Card Review
Forbes Advisor gives the card 4.8 out of 5 stars, highlighting robust travel benefits, airport lounge access, and extensive statement credits totaling over $875 annually.
United Club Card Review: Top Airline Perks
LendingTree examines eligibility requirements noting cardholders cannot currently own any United Club card and must not have received a sign-up bonus within the past 24 months.
United Club Credit Card Review 2026
CNBC Select reviews the United Club Card's 90,000-mile welcome bonus, premium travel benefits, and $695 annual fee with detailed breakdown of perks and credits.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Chase Official | Chase Official: Multiple card facts | |
| Chase | — | Chase |
| Chase | — | Chase |
| The Points Guy | — | The Points Guy |
| RewardsCC API | — | RewardsCC API |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Partner credits at
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
