United Club Credit Card Review
Key Takeaways
The United Club Card is best suited for travelers who fly United multiple times per year and can take advantage of the included United Club membership and airline perks to offset the high $695 annual fee. Even occasional United flyers should find strong first-year value thanks to the 80,000 mile bonus and lounge access, especially if you know you'll be flying the airline a few times in the next year. After that, casual United flyers can decide whether to keep, downgrade, or cancel the card.
Why This Card Could Be Right For You
The included United Club membership is the card’s standout perk and is valued at roughly $750 annually. Membership provides unlimited access for you and eligible companions to United Clubs and select Star Alliance lounges.
The card also includes several statement credits designed to help offset the high annual fee:
- $150 in annual rideshare credits ($12 per month, plus $18 in December)
- $240 in annual Instacart credits (two $10 credits per month)
- $200 in annual hotel credits through Renowned Hotels and Resorts
- $200 in JSX flight credits
- $100 in Avis or Budget credits (split into two $50 credits) plus complimentary Avis President’s Club status
Additional premium travel benefits include:
- Free first and second checked bags for you and one companion on the same reservation
- TSA PreCheck/Global Entry/NEXUS credit every four years (up to $120)
- IHG Platinum Elite status
- Premier Access services including priority check-in, security screening, boarding, and baggage handling
When The Usual Advice Doesn't Apply
Here are some exceptions where the card might not be good for you:
- If you don’t fly United/Star Alliance multiple times per year
- If you don’t often travel through airports with United Club or participating Star Alliance lounge
What to Know About United MileagePlus
United is a solid option for international flights, especially for business class.
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
How The United Club Credit Card Fits In The United MileagePlus Ecosystem
United has a multitude of cards for every type of traveler, depending on your travel habits:
- United Gateway: $0 annual fee, low, 30,000 sign-up bonus, and limited benefits (in line with no annual fee).
- United Explorer: $150 annual fee (waived the first year), decent 50,000-mile sign-up bonus, plus two United Club passes per year.
- United Quest: $350 annual fee, 60,000-mile sign-up bonus, two free checked bags, $200 in annual United credits, and additional credits to compare with the Explorer card.
If you’re close to hitting your 5/24 limit, there are two business cards to consider:
- United Business Card: 75,000-mile sign-up bonus, $150 annual fee (waived the first year), two United Club passes per year, and a free checked bag.
- United Club Business Card: $695 annual fee, offering United Club membership and similar perks to the personal United Club Credit Card.
Card Information
Differentiating Perks
Rules
Card Extras
No extras to display for this card.
Historical Card Offers
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Estimated Next Offer
United Club Application Rules
If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus.
Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months.
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
