Chase · Visa
United Club℠ Card
Frequent United Flyers
$695 annual fee up to $890/yr in credits if you use them
Why people consider it
- 5x on United.
- 2x on Travel.
- 2x on Dining.
Current welcome offer
Current: 90,000 miles
Recent typical offer: 80,000 miles
Current offer is 13% higher than recent typical offers.
Welcome offer: 90,000 miles≈ $1,170 at our typical valuation
Requirement: Spend $5,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: 90,000 bonus miles after $5,000 spend in 3 months, plus 10,000 for adding an authorized user — Chase marks it limited-time with no published end date, and now brands the card the United Club Card. Verified on the issuer page 2026-10-06.
Recommended credit score: 720+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
Calculate my rewards → Enter your monthly spending and see exactly how much this card would earn you compared to every other card we track. Already carry it? Add it to My Cards →
Is this card worth it?
Ongoing value
$166/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,336 first year
Includes: +$1,170 welcome offer (90,000 miles at our typical value)
$1,170 is one-time. $166/year is ongoing.
To earn the bonus: spend $5,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $695, charged in full — credits count only if you use them
- Major trade-offs:
- $695 annual fee requires frequent United travel Miles worth ~1.3¢ — less than Chase UR via CSR
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as United Club℠ Card on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Other United purchases (up to 11x total on United flights with MileagePlus)
Prepaid bookings via Renowned Hotels & Resorts
All other travel
Restaurants
Point value: ~1.3¢ each
Optional benefits and credits
Credits — if you use them
Up to $200/year on prepaid Renowned Hotels & Resorts bookings
Monthly U.S. rideshare statement credits — enrollment required
Monthly Instacart statement credits — enrollment required
Statement credits on JSX flights
Paid as United TravelBank cash on Avis/Budget rentals
Perks (not counted in our math)
Automatic access to United Club lounges and Star Alliance partner lounges worldwide
For you + one companion on all United flights — automatic
Up to $120 statement credit every 4 years; shown at its ~$30/yr annualized value
Priority check-in, security, and boarding on United flights
Decline rental counter CDW — full coverage up to 31 days
Approval and bonus eligibility caveats
Recommended credit score: 720+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + United Club access replaces a $750+ membership
- + First + second bag free for you and a companion
- + 5x on United purchases (up to 11x on flights with MileagePlus)
- + Star Alliance lounge access worldwide
- + 90k mile bonus worth ~$1,170
Cons
- - $695 annual fee requires frequent United travel
- - Miles worth ~1.3¢ — less than Chase UR via CSR
- - No hotel or dining transfer partners
- - Club access only useful if you fly United often
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.