United Club℠ Card review

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Advertiser Disclosure

Interest Rate: Purchases
18.24% ‐ 25.24% (Variable)
Balance Transfer
18.24% ‐ 25.24% (Variable)
Rewards
1.5 - 2 Miles
Signup Bonus
50000 miles (after spending $3,000)


7.9/10
Informr score
The United Club℠ Card currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 12 sources including reviews from users and the web's most trusted critics.

Am I eligible?


United Club℠ Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


UponArriving

I’m a pretty big fan of the United Club Card for those people who really value United Club access. If you can get approved for the card, it would not make much sense to pay out of pocket for the United Club membership when you could get it with this card for much cheaper.

- Daniel, UponArriving
CreditCards.com

With its large sign-up bonus, fairly high rewards rate on both United purchases and general purchases and unlimited access to United Club lounges, the United MileagePlus Club Card is a good deal for loyal United flyers.

- Kelli Bamforth, CreditCards.com
Credit Cards Explained

The United MileagePlus Club Card isn’t the “everyman’s” card. It’s best suited for people who spend at least $2000 per month on their credit cards, pay off the balance each month, and fly United frequently. Even then, the $450 might be off-putting. If you value the United Club membership perk, then...

- Hannah Rounds, Credit Cards Explained
ValuePenguin

If lounge access is something you were previously interested in, getting the United MileagePlus® Club Card becomes extremely worth the annual fee, and ends up saving you $100.

- Robert Harrow, ValuePenguin
Finder

The United MileagePlus card might be worth getting even if you’re not a frequent United flyer. But the Club card is best recommended for United loyalists, especially given it’s fee of $450 p.a. a year.

- Finder

Details


Interest Rates
Regular APR Interest Rate 18.24% ‐ 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 18.24% ‐ 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 26.74% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $450.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00

Maximum

Promotions
Sign up bonus 50000 miles after spending $3,000

On purchases within the first 3 months.

Rewards
All Purchases 1.5 miles for $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel 2 miles for $1 spent

On tickets purchased from United.

Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Additional Benefits
  • As the primary cardmember, you are eligible for Discoverist membership in the World of Hyatt global loyalty program.
  • United Club membership – up to a $550 value per year.
  • Hertz President's Circle Elite Status
  • Free first and second checked bags
  • No close-in award booking fees on United tickets
  • Premier Access travel services
  • Use miles for any seat, any time, on any United flight
  • Baggage Delay Insurance
  • Return Protection
  • Lost Luggage Reimbursement
  • Trip Cancellation/Trip Interruption Insurance
  • Trip Delay Reimbursement
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


UponArriving

A great card for people who fly United

from UponArriving

I’m a pretty big fan of the United Club Card for those people who really value United Club access. If you can get approved for the card, it would not make much sense to pay out of pocket for the United Club membership when you could get it with this card for much cheaper.

Read full review

I’m a pretty big fan of the United Club Card for those people who really value United Club access. If you can get approved for the card, it would not make much sense to pay out of pocket for the United Club membership when you could get it with this card for much cheaper.

Read full review

Less

CreditCards.com

Hefty annual fee, average rewards

from CreditCards.com

With its large sign-up bonus, fairly high rewards rate on both United purchases and general purchases and unlimited access to United Club lounges, the United MileagePlus Club Card is a good deal for loyal United flyers.

Read full review

With its large sign-up bonus, fairly high rewards rate on both United purchases and general purchases and unlimited access to United Club lounges, the United MileagePlus Club Card is a good deal for loyal United flyers.

Read full review

Less

Credit Cards Explained

Exemplary for frequent travelers who often fly United

from Credit Cards Explained

The United MileagePlus Club Card isn’t the “everyman’s” card. It’s best suited for people who spend at least $2000 per month on their credit cards, pay off the balance each month, and fly United frequently. Even then, the $450 might be off-putting. If you value the United Club membership perk, then use the United MileagePlus Club Card.

Read full review

The United MileagePlus Club Card isn’t the “everyman’s” card. It’s best suited for people who spend at least $2000 per month on their credit cards, pay off the balance each month, and fly United frequently. Even then, the $450 might be off-putting. If you value the United Club membership perk, then use the United MileagePlus Club Card.

Read full review

Less

ValuePenguin

Provides premium benefits - such as lounge access - to United Airlines customers.

from ValuePenguin

If lounge access is something you were previously interested in, getting the United MileagePlus® Club Card becomes extremely worth the annual fee, and ends up saving you $100.

Read full review

If lounge access is something you were previously interested in, getting the United MileagePlus® Club Card becomes extremely worth the annual fee, and ends up saving you $100.

Read full review

Less

Finder

This card is for frequent United flyers, offering perks to help you fly in style

The United MileagePlus card might be worth getting even if you’re not a frequent United flyer. But the Club card is best recommended for United loyalists, especially given it’s fee of $450 p.a. a year.

Read full review

The United MileagePlus card might be worth getting even if you’re not a frequent United flyer. But the Club card is best recommended for United loyalists, especially given it’s fee of $450 p.a. a year.

Read full review

Less

The Points Guy

Best suited for travelers who value airline lounge access

The Points Guy

The United Club card can be a great addition to your wallet if United is your US carrier of choice and you value the lounge membership. Not only does the card earn United miles for all spending, but the majority of its perks are specific to that airline — from free baggage to Premier Access services.

Read full review

The United Club card can be a great addition to your wallet if United is your US carrier of choice and you value the lounge membership. Not only does the card earn United miles for all spending, but the majority of its perks are specific to that airline — from free baggage to Premier Access services.

Read full review

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Bank Deal Guy

Generous bonus for frequent travelers

from Bank Deal Guy

This card offers a pretty nice bonus that’s not too difficult to earn, as well as secondary benefits like points back and card member perks. If you’re a traveler looking for a card that helps you make the most of your traveling, check this card out and see what it can do for you!

Read full review

This card offers a pretty nice bonus that’s not too difficult to earn, as well as secondary benefits like points back and card member perks. If you’re a traveler looking for a card that helps you make the most of your traveling, check this card out and see what it can do for you!

Read full review

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Wise Bread

Travel in comfort

from Wise Bread

A great card for those who fly frequently with United Airlines. It provides the most value if you can take advantage of the exclusive benefits and privileges such as United Club membership and free checked bags.

Read full review

A great card for those who fly frequently with United Airlines. It provides the most value if you can take advantage of the exclusive benefits and privileges such as United Club membership and free checked bags.

Read full review

Less

NerdWallet

Ideal for frequent United flyers who seek more comfortable surroundings than an airport gate

from NerdWallet

Frequent flyers on United Airlines have one overriding reason to get the United MileagePlus® Club Card: United Club℠ airport lounge access. It’s an easy decision to forgo the stand-alone club membership, which is more expensive, and instead get the card, which carries the same benefits.

Read full review

Frequent flyers on United Airlines have one overriding reason to get the United MileagePlus® Club Card: United Club℠ airport lounge access. It’s an easy decision to forgo the stand-alone club membership, which is more expensive, and instead get the card, which carries the same benefits.

Read full review

Less

One Mile at a Time

Best travel reward credit card for frequent travelers

from One Mile at a Time

The real reason to get this card is if you value a United Club membership. This card is also great in terms of the other priority services it offers, including free checked bags, priority check-in, security, boarding, baggage, etc.

Read full review

The real reason to get this card is if you value a United Club membership. This card is also great in terms of the other priority services it offers, including free checked bags, priority check-in, security, boarding, baggage, etc.

Read full review

Less

User Reviews


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