Chase
United ClubSM Card
TravelAirlineLuxuryDiningNo Foreign Transaction FeesHotel
Key Features
| Annual Fee | $695.00 |
| 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 |
Read the full review
Best for those with
Very Good Credit
About this card
Considering the individual ratings provided, the United ClubSM Card presents a mixed bag of strengths and weaknesses, resulting in an overall rating of 2.6. The high APR (1.5/5.0) significantly detracts from its value, especially for those who might carry a balance. While the rewards program (3.8/5.0) is valuable, particularly for frequent United flyers, the high annual fee (and therefore the fees rating is 1.8/5.0) presents a barrier to entry. The card's reputation is unknown due to the inability to gather external data. The card is best suited to frequent United flyers who can maximize the lounge access, free checked bags, and other travel benefits to offset the hefty annual fee. The strong rewards earning on United purchases and the sign-up bonus are attractive, but the overall cost-benefit ratio needs careful consideration.
2.6
Overall Rating
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Lounge membership
- Automatic elite status
- No foreign transaction fees
- Luxury perks
Things to consider
- High annual fee
- High regular APR
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
- 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
- 9x total miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 4x miles on entire United purchase with the United Club Card. Premier members earn even more.
- 4x 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 card membership—at least a $750 value per year
- Starting with your first anniversary and every anniversary thereafter, earn 4 United ClubSM one-time passes when you have United Club All Access Membership and an authorized user.
- 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 $360 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.
- Receive 1,500 Card Bonus Premier qualifying points (PQP) each year.
- Earn up to 28,000 Premier qualifying points (PQP) - You'll earn 1 PQP for every $15 you spend on purchases with your ClubSM Card, up to 28,000 PQP in a calendar year.
- 25% back on United inflight and Club premium drink purchases.
- Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit.
- IHG One Rewards Platinum Elite status.
- Avis President's Club.
- No foreign transaction fees.
- 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.
Ratings
3.8
3.8
2.8
1.5
1.8