Chase
United ClubSM Card
Key Features
| Annual Fee | $695.00 |
| Sign-up Bonus | Up to 90,000 bonus miles |
| Rewards Rate | 1x-11x miles on purchases |
| Regular APR | 19.74Min. of (6.75+12.99) and 29.99%–28.24Min. of (6.75+21.49) and 29.99% 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 other travel/dining
- No foreign transaction fees
- Lounge membership
- Premier travel perks and priority services
- Valuable annual credits and automatic elite status
Things to consider
- High annual fee
- High regular APR
- No introductory 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 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
- Unlimited United ClubSM access for you and a guest — $750+ value per year
- 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. Your Card Bonus PQP will be awarded each year within 8 weeks of February 1, starting in the calendar year following your account open date.
- 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
- United Card Events from Chase and United MileagePlus Exclusive Events
- 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 lets eligible Chase customers break up credit card purchases into budget friendly payments.