Chase
United ClubSM Card
Key Features
| Annual Fee | $695.00 |
| Sign-up Bonus | Up to 90,000 bonus miles |
| Rewards Rate | 1x-11x miles |
| Regular APR | 19.74%–28.24% variable APR. |
| Network | Visa |
About this card
The United ClubSM Card is an excellent choice, earning a 4.3 rating, specifically designed for frequent United Airlines travelers and loyalists. Its value proposition is exceptionally strong for this niche audience, providing benefits that significantly outweigh its high $695 annual fee. The card excels with an outstanding Rewards Rating of 4.5, driven by complimentary United ClubSM membership (valued at over $750 annually), and an additional '$875 in annual partner credits' for hotels, rideshares, car rentals, Instacart, and JSX flights. These quantifiable benefits alone total over $1600, easily justifying the annual fee (as reflected in its 4.4 Fees Rating). The card offers high reward rates on United-specific spending (11x total miles on eligible United flights) and competitive rates on general travel and dining. Furthermore, it includes a robust suite of premium travel perks such as free checked bags, Premier Access, an accelerated path to elite status through PQP, Global Entry/TSA PreCheck credit, and comprehensive travel insurance. Its reputation among frequent flyers is robust, identifying it as a top-tier card within its segment. The primary weakness is the notably poor APR Rating of 1.2, with a high variable APR (19.74%-28.24%) and no introductory APR period. While this makes it an expensive card for those who carry a balance, cardholders seeking a premium travel card often pay their statements in full, mitigating the impact of the high APR. For the dedicated United flyer who can maximize its extensive and valuable benefits, this card offers an undeniable and excellent value proposition despite its high cost and uncompetitive APR.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on United and travel/dining
- No foreign transaction fees
- Comprehensive travel luxury perks (including lounge access, elite status, and credits)
- Travel insurance benefits
Things to consider
- High annual fee
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Earn up to 90,000 bonus miles after qualifying activities.
- Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
- Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
Rewards
- NEW! 11x total miles on eligible United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 5x miles on entire United purchase with the United Club Card. Mileage earning differs for Basic Economy or base option tickets. Premier members earn even more.
- NEW! 5x miles on all other eligible United purchases.
- 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United® Cardmembers.
- 2x miles on all other travel including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.
- 2x miles on dining including eligible delivery services.
- 1x mile on all other purchases.
Other features
- United ClubSM access, 2 free checked bags, Premier Access travel services, and over $875 in annual partner credits.
- Unlimited United ClubSM access for you and a guest-$750+ value per year
- Your card includes United ClubSM card membership-a $750+ value. Plus, unlock All Access membership when you reach Premier Gold status or spend $50,000 annually on your United ClubSM Card.
- Starting with your first anniversary and every anniversary thereafter, earn 4 United Club SM one-time passes when you have United Club All Access Membership and an authorized user.
- New! Save 10% or more when booking flights with miles. Premier members save even more.
- Free first and second checked bags - the primary Cardmember and one companion can each check a first and second standard bags for free - save up to $440 per roundtrip.
- Premier Access travel services - receive preferential treatment to ease your way through the airport with priority check-in, security screening, boarding, and baggage handling privileges (where available).
- Earn a 10,000-mile award flight discount after $20,000 in purchases to use toward an eligible award flight - up to two times each calendar year.
- Over $875 in annual partner credits
- Up to $200 in credits annually - Receive on prepaid hotel stays purchased directly through Renowned Hotels and Resorts for United® Cardmembers with your United ClubSM Card.
- Up to $150 in credits each calendar year - Enroll to receive on rideshare purchases when you pay with your United ClubSM Card.
- Up to $100 in United travel credits annually - Receive when you book Avis or Budget car rentals directly through cars.united.com and pay with your United ClubSM Card.
- Up to $240 in Instacart credits each calendar year - Receive for purchases made directly through Instacart with your United ClubSM Card. Terms apply.
- Up to $200 in credits annually -Receive on flights purchased directly through JSX with your United ClubSM Card.
- Get a jump start on earning Premier status with 1,500 Card Bonus Premier qualifying points (PQP) each year.
- Earn 1 Premier Qualifying Point (PQP) for every $15 spent on purchases with your ClubSM Card, up to 28,000 PQP per year.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
- 25% back on United inflight and Club premium drink purchases
- Premier upgrades on award tickets
- IHG One Rewards Platinum Elite status
- Avis President's Club
- No foreign transaction fees
- Renowned Hotels and Resorts for United® Cardmembers Experience an exclusive suite of benefits including a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and a room upgrade and early check-in/late check-out, if available, when you book through Renowned Hotels and Resorts for United® Cardmembers.
- United Card Events from Chase and United MileagePlus Exclusive Events
- 10% discount on United Economy Saver Awards within the continental U.S. and Canada
- Trip Cancellation and Interruption Insurance
- Baggage Delay Insurance
- Lost Luggage Reimbursement
- Trip Delay Reimbursement
- Visa Infinite® Concierge Services
- Auto Rental Coverage
- Purchase Protection
- Return Protection
- Extended Warranty Protection
- Contactless - Just Tap To Pay
- Apply for a card, use it the same day
- Complimentary Instacart+ Membership
- Chase Pay Over Time
Additional Notes
This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.