Review
Chase United ClubSM Card Review: Elevated Travel for Dedicated United Flyers
The United ClubSM Card offers dedicated United flyers a premium travel experience. Discover how its complimentary lounge access, annual credits, and accelerated rewards can easily justify its steep $695 annual fee.
| Annual Fee | $695.00 |
| Sign-up Bonus | Up to 110,000 miles + 3,000 PQP |
| Rewards Rate | 1x-11x miles on purchases |
| Regular APR | 19.74%–28.24% variable APR. |
Overview
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on travel, especially United purchases
- No foreign transaction fees
- Extensive travel perks, including lounge access and priority services
- Valuable annual credits for various services
- Comprehensive travel and purchase protections
Things to consider
- High annual fee
- No intro APR period
- High regular APR
- Rewards and benefits heavily focused on United Airlines
Benefits
Drawbacks
Decision Guidance
Summary
The United ClubSM Card is an excellent choice for its specific target audience: frequent United Airlines travelers and loyalists. While it carries a high annual fee and a very high variable APR, its comprehensive suite of benefits, rewards structure,...