United Club Card overview

United Club lounge access is best if you have the United clubSM Card (see rates and fees) bar none – or the U ClubSM Cards. It’s a card that makes great sense to loyal fans of United, but for those who don’t fly the airline at least some times yearly, they will have no good value out of the annual fee. **Card rating* **.

* Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

More and more premium airline cards are becoming available. United Airlines’ service in this space, the United Club, is a $695 annual fee that may sound high until you consider the membership of USA included with it. Nonlite members typically spend around $750 a year on membership, which is usually the cost of membership for nonelite.

Unlike most airline cards, which only offer 2-3 points or miles per dollar on airline purchases, the United Club Card is an exception to this standard with its impressive earning rates. Additionally, it provides you with a variety of advantages that can help improve your experience in the United States from security to landing and make it more fun.

Considering the minimum credit score of the United Club card is 740, but it could also be approved with less than that number on its credit.

Let’s dive into the top-tier United Club Card to see if it makes sense for you.

United Club pros and cons

| Pros | Cons |
| — | — |
| * Complimentary United Club membership * Earn bonus miles on United purchases, travel and dining * Free first and second checked bags (for you and one travel companion on the same reservation) * Statement credits help offset the annual fee | * High annual fee * Not ideal for those who don’t fly with United at least a few times each year * Some statement credits may be hard to maximize |

United Club welcome offer

Assuming new applicants for the United Club Card earn as much as 110,000 United MileagePlus bonus miles and 3,000 PQPs After $5,000 on qualifying purchases in the first three months from account opening, make 100,000 Bonus miles (and 30,000 P QP) and 3 PMP. Plus, if you add an authorized user in the first three months from account opening, earns 10,000 bonus miles after adding them to their accounts.

Based on TPG’s April 2026 estimate of United miles at 1. These bonus miles are 35 cents per mile, and can be up to $1,485 (including the points from adding an authorized user; not including the value of the PQPs)). That bonus matches the most welcome card we have seen on this card.

THE POINTS GUY

Additionally, you’re only eligible for welcome bonuses for this card once every 24 months. Here are the exact eligibility terms:

This card product is available to you if you do not have this card and did not receive a new Cardmember bonus for this in the last 24 months. ‘A ,’ said.

A Chase-issued card is this, so it’s subject to the issuer’ infamous 5/24 rule. If you have opened five or more card accounts in the last 24 months (across all issuers, not just Chase), you will probably be denied this one.

Related: The best cards to get after you hit 5/24

United Club benefits

This is a benefit for the United Club Card (including statement credits and travel protections) that can offset its high annual fee.

United Club membership

One of the most notable features of United Club Card is a U Club membership, which allows unlimited access to more than 45 United club locations worldwide.

You’ll also be able to mention one guest and any parents under 21. This perk alone is enough for $695 annual fee if this benefit costs up to $750 annually, considering the card’s $699yearly cost. Unless you’re going to visit a United Club at least once every year, that doesn’t mean much for this benefit, said .

DANIEL ROSS/THE POINTS GUY

During a calendar year, cardholders can activate if they have the MileagePlus Premier Gold status or spend $50,000 on their card to unlock ‘Under Club All Access membership’. United Club membership is divided into two tiers, with All Access membership being the higher Tier. The membership of a United Club All Access includes two free guests and Star Alliance lounge access.

Also if you have a United Club All Access membership and add an authorized user, then will they give you four one-time U Club passes. But if these passes are used, then the primary cardholder or authorized user must be traveling with the guest.

The most common of these one-time passes will be hard to use (unless you regularly travel with a large party) since you can already bring in two guests for free on if you have enrolled at United Club All Access.

Trusted Traveler fee credit

Under the United Club Card, if you have no Global Entry, TSA PreCheck or Nexus, your application fee (up to $120) will be paid back once every four years. It is a perk that travelers who already benefit can always give this perke to ‘family member or friend’.

Other statement credits

Cardholders will receive the following statement credits each year:

United cardmembers * Up to $200 for Renowned Hotels and Resorts bookings. If cardholders book through this hotel collection, they will be able to enjoy exclusive benefits such as a free breakfast for two every day and room upgrades. The statement credit is provided by a cardholder (Cardholders must pay for their booking to receive their statement credits). Paraphrasingr )
$150 for ride-hailing purchases, $12 per month from January to November and $18 in December. It is necessary to activate a phrase (Yearly) and (I need to be active). ) and.

• Up to $100 in United TravelBank cash for Avis and Budget car rentals booked through cars. United is united by a . com, which was funded with this card and up to $50 in TravelBank cash per rental.
• Up to $200 in JSX statement credits when booking directly with JSX.
  With this card, in order to buy directly through Instacart with the card (two $10 credits per month) * up to $240 in Instalcar’s statement credits for purchases made via Instancarting. a 31, 2027)

IHG Platinum Elite status

For IHG One Rewards, the primary United Club cardholder can be eligible for free Platinum Elite status. At this status level, Perks include free room upgrades, extended checkout and bonus points on stays.

Related: The award travelers guide to IHG One Rewards

Elitelike perks

The card comes with the following flight-related perks:

• 2 checked bags (for the main cardholder and one travel companion on the same reservation paid with the card)*
• Premier Access (which includes priority check-in, security screening, boarding and baggage handling where available)
• 25% back on United inflight purchases
• Expanded award availability

While if you are in the United elite, these benefits may not be as compelling but they’re valuable for those who haven’t made it.

ZACH GRIFF/THE POINTS GUY

Many frequent United airlines, especially those who live near airports with a U.C., can benefit from the benefits that accompany this card’d higher annual fee.

Elite status spending shortcut

Under United Club Card holders, they can earn up to 28,000 Premier qualifying points per calendar year. Similarly, you’ll make 1 PQP for $15 on your card. Obviously that will require spending a whopping $420,000 to make the most out of this, though it is still in reach for some s.

Plus, cardholders get a bonus of 1,500 PQPs each year as a jump-start to earning United elite status.

10% mileage discount on United economy saver awards

In addition, the main U.C Card member will also be able to book United economy saver awards on United flights within the continental U for its own members. s S awards to the general public for a 10% fewer miles than and Canada.

A Club Card holder will see the mileage difference once you log in to your MileagePlus account, and when you are on that card it is automatically added. Similarly, when you are not signed in for a saver award it may be 5,000 miles (500 miles) but the same award will be 4,500 mile if entered to your account.

This also adds to the existing perk of access to expanded award availability for all United cobranded cardholders. Remember, remember that the 10% mileage discount is available on cheaper United credit cards.

Award flight discounts

After spending $20,000 a calendar year with their United Club card (up to two per calendar month for 20,000 miles), cardholders can earn 10,000-mile discount on award tickets by using their U.Ccard (in addition to the US$20 million annual credit card).

Travel and purchase protections

With this card, you’ll get various travel protection benefits, including:

• Auto rental coverage
• Baggage delay insurance
• Extended warranty protection
• Purchase protection
• Return protection
• Trip cancellation/interruption insurance
• Trip delay reimbursement

Rental car privileges

The Avis President’s Club membership is a free membership for primary cardholders, which typically requires much of Avid spending with the club. Guests of President’s Club receive complimentary upgrade for two car classes (subject to availability) and guaranteed vehicle reservations when you book at least 24 hours early, as well as fast rental service.

DoorDash

For a year, cardholders are granted an exclusive DoorDash DashPass membership that provides unlimited DoorDeash and Caviar deliveries with $0 delivery fees and lower service charges on eligible orders. You have to turn on it by Dec. (You must activate it). 31, 2027. Paraphrast.

Instacart

The Instacart+ membership is a free instacard for cardholders, including unlimited delivery and $0 delivery charges on eligible orders. A Dec. Activation by (Activations). To exploit this advantage, 31, 2027, is needed. , ) and the English-language writer.

Related: Flights, credit cards and more: How to earn miles with the United MileagePlus program

Earning miles on the United Club

That’s what ultimately differentiates the United Club from other cobranded airline credit cards, including its earning rates.

Cardholders earn:

The total miles per dollar spent on United flights is 11 (11 percent) of the trips (6 miles earned as a MileagePlus member, plus 5 miles from having the Club Card).

• 5 miles per dollar on hotels booked through Renowned Hotels and Resorts when you prepay for your hotel stay.
• 5 miles per dollar spent on all other United purchases
• 2 miles per dollar spent on all other

travel

purchases

• 2 miles per dollar spent on

dining

• 1 mile per dollar spent on

everything else

FERTNIG/GETTY IMAGES

The travel and dining categories of this card are broadly defined, as they do with Chase Ultimate Rewards credit cards such as the chase Sapphire Reserve® (see rates and fees) and the Chase Sapphire Preferred® Card (such at rates & fees), since Chase is the issuer. This is why it means you’ll have a much easier and less stressful time learning when to use your card.

With TPG’s April 2026 valuations claiming Chase Ultimate Rewards points are worth over United miles, if you have either of these cards, you’ll want them for general travel and dining spending.

But if you don’t already have either of those cards, then you can still earn rewards on purchases with the United Club Card.

Redeeming miles on the United Club

U.S. has some sweet spots in its MileagePlus program when you are ready to redeem miles. The fact that United does not publish an award chart means the rate of redemption for awards can be unpredictable.

Nevertheless, there are other ways to earn value in the show including booking partner awards with United miles. Under United, which does not charge fuel surcharges on partner awards, you save hundreds of dollars per ticket when booking awards such as first-class tickets on Lufthansa through United.

ZACH GRIFF/THE POINTS GUY

The deal is great, as it was more than 15 hours long and the flight was 84,700 United miles for a Polaris business class upgrade on ‘Newark Liberty International Airport (EWR) and Cape Town International airport (CPT),’ former TPG credit cards writer Chris Nelson said.

Miles aren’t just great for business-class international flights, but can also be very useful for domestic trips.

Which cards compete with the United Club?

There are a number of cards that are competitive with the United Club:

• If you want a lower annual fee: The

United℠ Explorer Card

(see

rates and fees

Among the useful features of a Global Entry, TSA PreCheck or Nexus application fee statement credit, two annual one-time United Club passes and your first checked bag free it is easy to justify its reasonable $150 annual fee ($0 introductory fee for the first year) charge. Read our read To learn more, .

full review of the United Explorer

.

• If you want a more all-around card: The

Chase Sapphire Preferred Card

Amongst the most famous travel rewards credit card cards is . On common spending categories such as travel and dining, it earns bonus points on its own spend. Cards with Chase’s 14 transfer partners can also be accessed by cardholders, plus to maximize the value for their rewards offered. Read out our read To learn more, .

full review of the Sapphire Preferred

.

• If you want tons of perks:

American Express Platinum Card®

one of the most prestigious premium travel rewards cards is . You’ll earn valuable Membership Rewards points as a cardmember, have several annual statement credits each calendar year and enjoy an extensive network of airport lounges around the world. Read out our read To learn more, .

full review of the Amex Platinum

.

For additional options, check out our full list of the best United travel cards and the best airline cards.

Related: Why you’ll want to pay the $95 annual fee on the Chase Sapphire Preferred

Bottom line

The United Club Card is a good idea, even though it costs so much money annually to fly on United flights multiple times each year. That means you’ll get good rates for a cobranded card, slick selection of perks and statement credits, United Club access and solid travel protections.

Be sure to take this opportunity to start stockpiling MileagePlus miles for your next dream destination with this welcome offer.

Apply here: United Club Card

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