Review
Chase United ClubSM Card Review: United Lounge Access and Travel Perks
Is the United Club℠ Card worth the high annual fee? For United loyalists, the answer may be yes, thanks to United Club access, free checked bags, and generous bonus rewards.
| 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. |
| Rewards Rate | 1x-9x miles |
| Sign-up Bonus | 90,000 bonus miles |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...