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United Club℠ Card Overview

United Club℠ Card Overview

A complete guide to the premium card for United Airlines flyers.

Author: Shannon Lopez
|
Reviewed by: Taevann Calloway
|
Benefits Accurate as of: Feb 5, 2026

PREMIUM TRAVEL CARD

United Club℠ Card

United Club Infinite Card
Apply now

at the issuer's secure site. Terms & restrictions apply.

Why we love this card: This is the definitive card for frequent United flyers, offering a full United Club℠ membership that provides a comfortable escape in airports around the world.

Estimated First-Year Value: $1,800+, plus miles on your spend

- Includes a 90,000-mile bonus offer (worth ~$960) and $875+ in annual partner credits.

Annual Fee

$695

 

bonus offer

90,000 miles

 

Est. Annual Value

$875+

Includes Partner Credits

Rewards Rates
4x Miles 5x Miles 2x Miles
On United® flights. On prepaid hotel stays booked directly through Renowned Hotels and Resorts. On all other travel.

Why you may want the United Club Card

  • United Club℠ Membership: Receive a full membership for access to United Club locations and participating Star Alliance™ lounges worldwide for you and your eligible travel companions.
  • Free Checked Bags: Your first and second checked bags are free for you and one companion on your reservation.
  • Premier Access®: Enjoy priority airport services, including check-in, security screening, boarding, and baggage handling.
  • Earn Premier Qualifying Points (PQPs): Earn up to 10,000 PQPs per year to help you qualify for United Premier® status faster.
  • Over $875 in Annual Partner Credits: Receive annual statement credits on eligible purchases with partners like Renowned Hotels, JSX, rideshares, Instacart, and Avis/Budget car rentals.
  • Global Entry, TSA PreCheck, or NEXUS Fee Credit: Receive a statement credit of up to $100 every 4 years.
  • 25% Back on Inflight Purchases: Get 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated flights.

Redeeming MileagePlus® Miles

United MileagePlus® is a powerful loyalty program with many redemption options:

  • Award Flights: Book flights on United and its extensive network of Star Alliance™ partners, with no blackout dates for United-operated flights.
  • Upgrades: Use your miles to upgrade your seat to a premium cabin on eligible flights.
  • More Than Travel: You can also redeem miles for hotel stays, car rentals, cruises, merchandise, and unique experiences.

United Club Card Alternatives

For the ultimate in luxury perks...

The Platinum Card® from American Express offers a more comprehensive set of premium benefits, including access to the exclusive Centurion Lounges, automatic elite status with Marriott and Hilton, and over $3,000 in annual statement credits.

  • Why you might prefer it: You fly various airlines and want the broadest lounge access and a long list of luxury travel and lifestyle credits.
  • Why you might stick with the United Card: You are a United loyalist, and the United-specific perks like free checked bags and the path to Premier status are more valuable to you.

For more flexible rewards...

The Chase Sapphire Reserve® has a slightly higher annual fee but its points are more flexible. The card's $300 travel credit is easier to use, and it earns strong rewards on a broader range of travel and all dining.

  • Why you might prefer it: You want a single card for all your travel and dining spend and value the flexibility to transfer points to many different partners, including United.
  • Why you might stick with the United Card: The United Club membership is the most important benefit to you, making the card's annual fee a great deal for that perk alone.

Want to find the perfect travel credit card, just for you? Visit our Credit Card Finder to get your best match.

Final Thoughts

For the dedicated United Airlines traveler, the United Club℠ Card is an essential tool. The value of the United Club membership alone can easily justify the annual fee, and the additional benefits like free checked bags and Premier Access elevate the travel experience significantly. The ability to earn PQPs toward elite status is a powerful incentive for loyalists.

Bottom Line: If you fly United frequently and value a comfortable airport experience, this card is a top-tier choice that delivers substantial value.

Apply for the United Club℠ Card

at the issuer's secure site. Terms & restrictions apply.

PREMIUM TRAVEL CARD

United Club℠ Card

Apply now
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Now that you have a good handle on goals and the available savings products out there, you’re ready for Savings 102 where it’s time to choose the right product to meet your specific savings goal.