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United Club℠ Card review

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Advertiser Disclosure

Interest Rate: Purchases
17.99% ‐ 24.99% (Variable)
Balance Transfer
17.99% ‐ 24.99% (Variable)
1.5 - 2 Miles
Signup Bonus
75000 miles (after spending $3,000)

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 13 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...


The United Club Card from Chase is a comprehensive travel card for frequent flyers. If you find yourself frequently booking travel with United or one of their affiliate airlines in the Star Alliance network, then this card may be a good idea for you. With an earning rate of 2X miles on United purcha...

- Larissa Runkle, FinanceBuzz

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

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,
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

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


Interest Rates
Regular APR Interest Rate 17.99% ‐ 24.99% (Variable)

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

Balance Transfer Interest Rate 17.99% ‐ 24.99% (Variable)

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

Cash Advance Interest Rate 26.49% (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 $39.00


Sign up bonus 75000 miles after spending $3,000

On purchases within the first 3 months.

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
Virtual Cards 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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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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