United Club Card Credit Card

United Club Card

Last Updated: 04/06/2026

Rating
3.8 / 5
Sign Up Bonus
110,000 Miles
Annual Fee
$695
Credit Score
Very Good

Summary

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

Sign-Up Bonus
4
Spending Multipliers
3.5
Credits & Features
5
Fees
2
Application
3.5
Issuer
NaN

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.

Pros

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No foreign transaction fee
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Return protection up to $500 per item and $1,000 per year
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Purchase protection up to $10,000 per claim and $50,000 per year
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Extended warranty

Cons

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Annual fee not waived in the first year
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Credits may not offset annual fee as they are niche perks
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Lots of credits are paid incrementally throughout the year
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Some credits have an expiration date which might limit value in the future
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Features are closely coupled to United Airline
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1x catch all category

Issuer

Spending Multipliers

Credits & Features

$200 annual Renowned Hotels and Resorts credit
$12 monthly ($18 in December) Rideshare credit
2x annual $50 Avis or Budget car rental credit
2x $10 monthly Instacart credit until December 31, 2027
$200 annual JSX credit
United Club membership
10% discount on flights booked with miles
2 free checked bag
2x 10,000 Mile award flight after $20,000 annual spend
Premier upgrade and award tickets
25% back on in-flight purchases
IHG One Rewards Platinum Elite status
Avis President’s Club
$120 credit for Global Entry or TSA PreCheck every 4 years
Instacart+ Membership until December 31, 2027
Auto rental collision damage waiver
Trip cancellation/interruption insurance up to $10,000 per person and $20,000 per trip
Baggage delay insurance
Lost luggage reimbursement up to $3,000 per passenger
Trip delay reimbursement up to $500 per ticket

Application

  • Chase has a strict 5/24 rule, meaning you will be rejected if you opened 5 or more cards in the past 24 months
  • Welcome bonus is only available if you don’t have this card and did not open this card in the last 24 months
  • Consider having at least a credit history for 1 year
  • Avoid applying for more than 2 Chase cards in 30 days

Fees

  • $695 Annual Fee
  • No Foreign Transaction Fee
  • Up to $40 late fee
  • Up to $40 return payment fee
  • 19.74% - 28.24% Variable APR
  • 28.49% APR for Cash Advance
  • $10 or 5% of each cash advance amount (whichever is greater)
  • 19.74% - 28.24% APR for Balance Transfer
  • $5 or 5% of each transfer amount (whichever is greater)
See Full and Updated Rate & Fee Schedule During Application Process