United Club℠ Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

United Club℠ Card4.2/5

Chase

Annual fee
$695
Rewards rate
11%-2%
Welcome Bonus
90,000 miles
Apply Now →on Chase's website
Regular APR:19.74%-28.24% Variable APR

  • 11%Total miles on eligible United flights
  • 5%Miles on other United purchases
  • 2%Miles on dining and travel

Welcome Bonus:

Earn 80,000 miles after spending $5,000 in the first 3 months, plus an extra 10,000 miles when adding an authorized user.

Reward Rate:

Earn 11x total miles on eligible United flights, 5x miles on other United purchases, and 2x miles on dining and travel.

APR:

19.74%-28.24% Variable APR

The United Club Card is designed for frequent United travelers, offering extensive lounge access and high rewards on United purchases, making it a premium choice for loyal customers.

Pros:

  • Unlimited lounge access
  • Strong rewards on United purchases

Cons:

  • Very high annual fee
  • Limited to United Airlines for maximum rewards
Apply now →

The United Club℠ Card is best suited for frequent flyers who regularly use United Airlines and can benefit from its high rewards on United purchases, extensive lounge access, and premium travel perks. With a substantial annual fee, it is primarily advantageous for those who will maximize its offerings through consistent travel with United.

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