Card details · Chase
United Club Card review: fees, rewards and APR
The United Club℠ Card is a credit card from Chase with a $695 annual fee. By our overall score it ranks #51 of the 294 credit cards we rank (store-only cards excluded), and #15 of 43 Chase cards. It is listed in our travel, airline and dining rankings.
Key facts
- Issuer
- Chase
- Network
- Visa
- Annual fee
- $695
- Welcome offer
- Earn 90,000 Bonus Miles after you spend $5,000 on purchases in the first 3 months your account is open.
- Foreign transaction fee
- None
- Our overall score
- 60 (#51 of 294 cards)
Sign-up bonus history
We have tracked this card’s welcome offer since April 2026 and have not recorded a change in its headline amount (90,000 miles). How we track offer history.
Rewards
- 9x miles on United flights - 5x miles on fare from United as a MileagePlus member, plus 4x miles with the United Club℠ Card
- 5x miles on hotel stays at Renowned Hotels and Resorts
- 4x miles on all other eligible United purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
Benefits and notes
Free first and second checked bags; Premier Access; 25% back on food, beverage and Wi-Fi purchases on board United; Up to $120 statement credit every four years for Global Entry or TSA PreCheck® or NEXUS; $150 rideshare statement credit; Up to $100 Avis or Budget Travel Credit; Complimentary Instacart+ membership 12/31/27; 10,000 mile anniversary award flight discount; 2 global Economy Plus® seat upgrades; $200 Renowned Hotels and Resorts Statement Credit; Receive two $10 credits
Where it ranks
- Overall: #51 of 294 cards (score 60)
- Chase credit cards: #15 of 43
- Travel cards: #22 of 47 by our travel score
- Airline cards: #35 of 39 by our airline score
- Dining cards: #46 of 67 by our dining score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Chase’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
What is the annual fee on the United Club Card?
$695, as stored in our database. Confirm the current fee on Chase’s site.
Does the United Club Card have a welcome bonus?
Our database lists this offer: Earn 90,000 Bonus Miles after you spend $5,000 on purchases in the first 3 months your account is open. Offers change often and terms apply.
Does the United Club Card have a 0% intro APR?
Our database lists no intro APR offer for this card.
Does the United Club Card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the United Club Card rank on YourBestCards?
#51 of 294 cards by our overall score (60). In our category lists: #22 of 47 travel cards; #35 of 39 airline cards; #46 of 67 dining cards.
Has the United Club Card sign-up bonus changed?
Not in its headline amount, as far as we have tracked since April 2026: it has stayed at 90,000 miles in our records. Offers can change at any time; terms apply.
Other top Chase cards
- 8X points on Chase TravelSM purchases
- 4X on flights and hotels booked direct
- 3X on dining worldwide
- Annual fee
- $795
- Welcome offer
- Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- 5X total points on travel purchased through Chase Travel, excluding hotel purchases that qualify for the $100 Annual Chase Travel Hotel Credit
- 2X on other travel purchases
- 3X points on dining, including eligible delivery services, takeout and dining out
- Annual fee
- $95
- Welcome offer
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- NEW! Up to 5x total points per $1 spent on Air Canada purchases, including 3X points on Air Canada purchases with your card, plus an additional 2X points from Air Canada when traveling as an Aeroplan 25K members
- 3X points per $1 spent on travel purchases
- 2X points per $1 spent at grocery stores. Through December 31, 2026, these purchases will earn 3X points per $1 spent
- Annual fee
- $195
- Welcome offer
- Earn up to 115,000 bonus points - 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 40,000 bonus points after you spend $20,000 on purchases in the first 12 months.
- Up to 28X total points at IHG® Hotels and Resorts - 12X points with this card. Plus, up to 10X points from IHG® on stays for being an IHG One Rewards member
- up to 6X points from IHG® on stays with Platinum Elite Status
- 6X points on dining and all other travel, including rideshare
- Annual fee
- $350
- Welcome offer
- Earn 200,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening
- 10x miles on United flights - 6x miles on fare from United as a MileagePlus member, plus 4x miles on entire United purchase with the United Quest℠ Card
- 5x miles on hotel stays at Renowned Hotels and Resorts
- 4x miles on all other eligible United purchases
- Annual fee
- $350
- Welcome offer
- Earn 80,000 bonus miles after you spend $4,000 on purchases in the first 3 months your account is open, plus 500 PQP after your first purchase, plus 10,000 bonus miles after you add an authorized user in the first 3 months your account is open (up to 90,000 bonus miles in total).
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.