This card is built for loyal United flyers who want airport lounge access, smoother travel days, and airline-specific perks that show up trip after trip. It works far better as a United specialist card than as an everyday spending card, especially given the $695 annual fee.
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Overview
United Club access
Regular United travel
Airport line-skipping perks
The United Club Card is worth it for travelers who fly United often enough to make real use of the included Club membership and the airline perks that come with it. If you value lounge access, Premier Access services, free-feeling convenience at the airport, and you already spend heavily with United, this card can justify its high annual fee more easily than the rewards rates alone would suggest. The rideshare, Instacart, JSX, car rental, and application fee credits can help close the gap, but the core reason to hold this card should still be frequent United travel.
For most other travelers, this is a tough card to keep. The earning structure outside United is only moderate, and many of the extra credits require specific habits to use fully. If you do not regularly fly United or would not otherwise pay for a United Club membership, you will likely find better value in a broader premium travel card or a lower-fee airline card.
A strong fit for committed United flyers who want lounge access and a more comfortable airport experience. If United is not your primary airline, the fee is hard to defend on rewards alone.
Welcome Offer
after you spend $5,000 on purchases in the first 3 months from account opening.
Est. Value
$800
Required Spend
$5,000
Time Frame
3 Months
Est. Value
$800
Required Spend
$5,000
Time Frame
3 Months
Earning
The rewards setup is centered on United spending, with the strongest return on eligible United flights and other United purchases. Outside the airline, earnings are much more ordinary, so this card makes the most sense when a large share of your travel wallet already goes to United.
United flights
United purchases
Dining, Travel
Everywhere
Rewards percent based on a valuation of 1¢ per MileagePlus mile
Annual Credits & Perks
The real story here is the travel experience. Lounge access, priority airport services, and a long list of credits can deliver meaningful value, but most of that value depends on how often you fly United and whether you will actually use the smaller recurring perks.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Up to $200 in credit on JSX purchasesBenefits
25% back on United inflight and Club premium drink purchases
Enjoy 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flights as well as on premium drink purchases at United Clubs when you pay with your United card.
Benefits
Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you are covered for unreimbursed expenses, such as meals and lodging, up to $500 per covered traveler.
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip
Travel and Emergency Assistance
If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Benefits
Premier Access® Travel Services
Start your journey stress-free by avoiding long lines and getting early access to overhead bins. Priority check-in, security screening, boarding and baggage handling privileges (where available).
IHG® One Rewards Platinum Elite status
As the primary cardmember, you’re eligible for Platinum Elite Status in IHG Rewards.
Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and terms apply. Benefits end 12/31/27.
Earn United Club All Access membership
Unlock All Access membership as a Cardmember after reaching Premier Gold status or by spending $50,000 on purchases each calendar year with your United card.
IHG® One Rewards Platinum Elite Status
As the primary cardmember, you’re eligible for Platinum Elite Status in IHG Rewards.
Benefits
Complimentary Premier® upgrades on award tickets
The primary Cardmember who is also a MileagePlus® Premier® member and traveling on a MileagePlus award ticket and one companion will be eligible for Complimentary Premier Upgrades on select United®-operated flights (when available). Visit united.com/Upgrades for details.
Premier Upgrades on Award Tickets
Receive a complimentary upgrade for one companion when traveling on the same reservation on award tickets (when available).
Avis President's Club®
Primary Club Cardmembers are invited to enroll in Avis President's Club at united.com/AvisChaseBenefit.Benefits include:Guaranteed rental car availability - qualifying United MileagePlus® members and Cardmembers who are enrolled in Avis President's Club are guaranteed a vehicle as long as they have made a reservation 24 hours in advance of rental checkout, up to a full-size 4-door vehicle. Complimentary two-car class upgrades - qualifying United MileagePlus members and Cardmembers who are enrolled in Avis President's Club will receive a complimentary two-car class upgrade based on availability. Customers must rent an intermediate (group C) vehicle or larger in order to qualify for an upgrade. Offered at participating Avis locations in the U.S, Canada, Europe, Australia and New Zealand.Expedited Service - Go straight to your car and drive off at Avis Preferred locations around the world. Dedicated 24/7 number for customer support.
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$695
Purchase APR
19.74% - 28.24%
Variable
Transfer APR
19.74% - 28.24%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Cash Advance
$10
Late Payment
None
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MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $2,500
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
Ending Soon!
Earn 4 Free Night Awards
Worth $1,400
After spending $3,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Boundless® Credit Card. Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50,000 points per night. Certain hotels have resort fees. Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's $50 in statement credits semi-annually.
Annual Fee
$95
Rec. Credit
Good
Earn 100,000 bonus points
Worth $1,250
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
