Chase
United ClubSM Card
Key Features
| Annual Fee | $695.00 |
| Regular APR | 19.74%–28.24% variable APR. |
| Network | Visa |
About this card
The United Club℠ Card is a premium travel card with significant strengths and weaknesses that balance each other out, leading to an overall rating of 2.3. The card excels in providing value to frequent United Airlines travelers through its United Club membership and other travel-related perks. However, the high annual fee and elevated APR severely limit its appeal. The rewards program is valuable for United loyalists, but the fee structure overshadows many benefits. While the card's reputation is strong within its niche, its high cost and APR make it unsuitable for a broader audience, particularly those who may carry a balance or travel infrequently. The card's overall value proposition is highly dependent on maximizing United-specific benefits, making it a niche product rather than a universally appealing travel card.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Lounge membership
- Luxury perks
Things to consider
- High annual fee
- High regular APR
- Requires good or excellent credit
What this card offers
Sign-up bonuses
- Earn up to 110,000 bonus miles + 3,000 Premier qualifying points (PQP)
- Earn 100,000 bonus miles + 3,000 PQP 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! 11 x 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 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 card membership—at least a $750 value per year
- 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 at least 10% when booking flights with miles. Premier members earn 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 $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.
- 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 - Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
- 25% back on United inflight and Club premium drink purchases - You'll get 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United ClubSM Card.
- Premier upgrades on award tickets - The primary Cardmember who has MileagePlus® Premier® status and is traveling on an award ticket and one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
- IHG One Rewards Platinum Elite status - The primary Cardmember is eligible for Platinum Elite status in IHG One Rewards (enhance your stay with complimentary room upgrades and extended check-out as available, earn points towards free nights and elite points that never expire).
- Avis President's Club - The primary Cardmember of the United ClubSM Card is invited to enroll in Avis President's Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more.
- No foreign transaction fees
- United Card Events from Chase and United MileagePlus Exclusive Events
- 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.
- Trip Cancellation and Interruption Insurance - reimbursements up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses.
- Baggage Delay Insurance - reimburses you up to $100 a day for up to 3 days when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement - provides reimbursement up to $3,000 per covered traveler for lost, damaged or stolen baggage during a covered trip.
- Trip Delay Reimbursement - if travel is delayed more than 12 hours or requires an overnight stay, coverage up to $500 per covered traveler for unreimbursed expenses.
- Visa Infinite® Concierge Services - 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more.
- Auto Rental Coverage - primary coverage and reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
- Purchase Protection - covers eligible new purchases for 120 days against damage or theft up to $10,000 per item.
- Return Protection - reimbursement for eligible items the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.
- Extended Warranty Protection - extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
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.

