United Club Card

09/07/2026: Welcome offer lowered to 90K Points

04/05/2026: Chase has made several upgrades to the United Club card, such as increasing the sign-up bonus to 110K Miles, increasing the miles earned on United flights to 11x and 5x on all other United purchases, as well as adding a 10% discount on flights purchased with miles

The Chase United Club Card is a premium airline credit card designed for frequent United Airlines travelers who want luxury perks, comprehensive travel protections, and exclusive rewards. Ideal for loyal flyers, the card offers United Club membership, two free checked bags, 25% back on in-flight purchases, and Premier upgrades and award tickets, along with robust protections such as purchase protection up to $10,000 per claim, return protection up to $500 per item, auto rental collision coverage, and trip cancellation/interruption insurance up to $10,000 per person and $20,000 per trip. Cardholders also enjoy a wide range of credits and elite perks, including $200 annual Renowned Hotels & Resorts credit, rideshare and Instacart credits, Avis car rental credits with President’s Club status, IHG One Rewards Platinum Elite status, and $120 credit for Global Entry or TSA PreCheck every four years. While the annual fee is not waived in the first year and many credits are incremental or time-limited, the Chase United Club card is best suited for travelers seeking top-tier United-specific benefits, premium lounge access, and extensive travel protections to elevate every trip.

Issuer

Chase, tracing its roots to 1799, has evolved into the largest bank in America with a global presence and over 240,000 employees. Founded with a mission to provide clean water to New York and using its surplus for its banking operations, Chase introduced its first credit card in 1958 and remains prominent in the credit card space, notably enforcing the "5/24 rule." Serving a diverse customer base with a focus on individuals and businesses, Chase offers a comprehensive range of financial products, including checking accounts, credit cards, loans, and investment services. With total assets reaching $4.6 trillion and an annual revenue of $280 billion in 2025, Chase stands as a financially stable institution. Committed to innovation, the bank invests $15 billion in technology, providing an intuitive online and mobile banking experience. Chase's philanthropic efforts align with addressing environmental and social challenges, exemplified by its Sustainable Development Target. Collaborating with various companies like Amazon, Southwest, United, Marriott, and Disney to name a few, Chase offers co-branded cards and operates over 4,700 branches in the US, emphasizing accessibility. Grounded in core principles, Chase strives to deliver exceptional client service, uphold integrity, and support employee growth, maintaining regulatory compliance as an FDIC, FINRA, and SIPC member and an equal housing opportunity lender.

Spending Multipliers

Credits & Features