The United Club Card is built for frequent United flyers who prioritize airport lounge access and premium travel privileges above all else. Its $695 annual fee is tailored specifically for loyalists who fly enough to maximize United Club visits and statement credits.
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Overview
United Club lounge access
Frequent United flight bookings
Annual travel and rideshare credits
If you fly United multiple times a year and value spending your airport downtime in the lounge, this card quickly pays for itself. A standalone United Club membership costs up to $650 per year, so receiving full access alongside credits for rideshares, car rentals, and JSX flights makes the $695 annual fee easy to offset for dedicated loyalists. Upgraded earn rates on United flights and strong trip protections further solidify its place in a frequent flyer's wallet.
However, occasional flyers or travelers who split their loyalty across multiple carriers will struggle to justify the price tag. With modest 1x earnings on general purchases, the card serves best as a specialist travel tool rather than an everyday spending card.
This card delivers exceptional value for frequent United flyers who want full airport lounge access and premium travel credits, but its high fee makes it a poor fit for casual travelers.
Welcome Offer
after you spend $5,000 on purchases in the first 3 months from account opening.
Est. Value
$1,040
Required Spend
$5,000
Time Frame
3 Months
Est. Value
$1,040
Required Spend
$5,000
Time Frame
3 Months
Earning
Earning centers on MileagePlus miles, offering massive returns on United flight purchases alongside moderate rewards on broader travel and dining.
United flights
United purchases
Dining, Travel
Everywhere
Rewards percent based on a valuation of 1.3¢ per MileagePlus mile
Annual Credits & Perks
A suite of travel statement credits, United Club access, and primary travel protections help offset the annual fee for frequent travelers.
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
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.)
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.
Travel Accident Insurance
When you pay for your air, bus, train, or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.
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.
Benefits
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.
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.
IHG® One Rewards Platinum Elite Status
As the primary cardmember, you’re eligible for Platinum Elite Status in IHG Rewards.
Benefits
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.
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.
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
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
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 $3,000
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
115,000 Points
Worth $1,610
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$195
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
