United℠ Club Review
Overview
The United℠ Club is a category rewards card from Chase, running on the Visa network. The United℠ Club earns up to 2x on dining and travel, so it pays you the most exactly where you already spend. It carries a $695 annual fee, so the real question is whether its rewards, credits, and perks clear that bar for the way you spend. New cardholders can earn Up to 90,000 bonus miles (80,000 after $5,000 spend) after $5,000 in 3 months.
It sits at the premium end of the market, trading a steep annual fee for lounge access, statement credits, and travel protections. That makes the decision less about the rewards rate and more about whether you will use the perks enough to come out ahead.
Think twice if: you will not use the lounge access and annual credits, or if you would rather not float a high fee and chase reimbursements every year.
Our 3.0 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
Where the United℠ Club earns its rewards is its bonus categories: 2x on dining (about $60 a year on the $3,000 a typical household spends there) and 2x on travel (about $36 a year on the $1,800 a typical household spends there). Across a full year of average household spending, the card returns roughly $340 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 2x | Bonus category |
| Travel | 2x | Bonus category |
| Groceries | 1x | Base rate |
| Gas | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
Brand and bonus rates: beyond the everyday categories above, this card also earns:
- 11x miles on United flights booked with the card
- 5x miles on prepaid hotels and other United purchases
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- 2x on dining
- 2x on travel
- Welcome offer worth about $800
- No foreign transaction fees
- Annual statement credits offset the cost
- $695 annual fee to earn back every year
- Generally needs good to excellent credit to qualify
- Rewards stay locked to this card and cannot be moved to travel partners
- Rewards are tied to one brand, so value drops if your plans change
The welcome bonus
The current welcome offer is Up to 90,000 bonus miles (80,000 after $5,000 spend), earned after you spend $5,000 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $800. The spending requirement works out to roughly $1,666 per month, so make sure it fits your normal budget rather than pushing you to overspend. Stacking the welcome offer on top of a typical year of rewards and accounting for the $695 annual fee, the first year is worth roughly $445.
Is the annual fee worth it?
To come out ahead on the United℠ Club you need to clear its $695 annual fee. On typical spending it earns about $340 a year in rewards, and it carries up to $750 in statement credits. For the right spender it covers the fee, but it is worth running the math on your own categories first.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- United Club membership for you and eligible travel companions
- First and second checked bags free on United (primary cardmember + 1 companion)
- Premier Access travel services and priority boarding
- Up to $100 Global Entry, TSA PreCheck, or NEXUS fee credit
- No foreign transaction fees
Statement credits
- United Club membership for you and eligible guests (worth about $750 a year)
Who should get it, and who should skip it
It is best for frequent flyers loyal to this airline who will use perks like free checked bags and priority boarding and want miles toward award flights.
Skip it if you will not use the lounge access and annual credits, or if you would rather not float a high fee and chase reimbursements every year.
Frequently asked questions
Offer details verified against issuer sources as of June 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.