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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: August 3, 2026
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

PREMIUM TRAVEL CARD

United Club℠ Card

United Club℠ Card
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at our secure partner's 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.

Annual Fee

$695

 

Bonus Offer

Up to 90,000 miles

Earn up to 90,000 bonus miles: 80,000 after $5,000 in purchases and 10,000 after adding an authorized user—each within 3 months.

Rewards Rates
11x Miles 5x Miles 5x Miles 2x Miles 1x Miles
In total on eligible United® flights, including MileagePlus member miles. On prepaid hotel stays booked directly through Renowned Hotels and Resorts. On other eligible United® purchases. On dining, eligible delivery services, and all other travel. On all other purchases.

Why you may want the United Club Card

  • United Club℠ Membership: Access 45+ United Club℠ locations for the primary Cardmember, one adult guest, and dependent children under 18. Unlock United Club All Access membership—including participating Star Alliance™ lounges—after reaching Premier Gold status or spending $50,000 on the card in a calendar year.
  • Free Checked Bags: The primary Cardmember and one companion on the same reservation each receive their first and second standard checked bags free on eligible United- and United Express-operated flights—saving up to $440 per round trip.
  • Premier Access®: Receive priority check-in, security screening, boarding, and baggage handling where available.
  • Premier Qualifying Points: Receive 1,500 Card Bonus PQP each year and earn 1 PQP for every $15 in purchases, up to 28,000 spend-earned PQP per calendar year.
  • Up to $875 in Partner Credits: Receive up to $200 with Renowned Hotels and Resorts, $150 on rideshare purchases, $100 through Avis or Budget, $240 with Instacart, and $200 on JSX flights. Enrollment, monthly limits, booking requirements, and benefit expiration dates may apply.
  • Global Entry, TSA PreCheck®, or NEXUS Credit: Receive one statement credit of up to $120 every four years for an eligible application fee.
  • 25% Back on United Purchases: Receive 25% back as a statement credit on food, beverages, and Wi-Fi aboard United-operated flights and on premium drinks at United Club locations.
  • Award-Travel Savings: Save 10% or more on eligible United® flights booked with miles. You can also earn a 10,000-mile award-flight discount for every $20,000 in calendar-year purchases, up to twice per year.
  • IHG One Rewards Platinum Elite Status: Receive complimentary Platinum Elite status as the primary United Club Cardmember.

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.

Alternatives to the United Club℠ Card

For the ultimate in luxury perks...

The American Express Platinum Card® offers a more comprehensive set of premium benefits, including access to the exclusive Centurion Lounges, complimentary 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 Club℠ 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 Club℠ 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.

Learn More

at our secure partner's site. Terms & restrictions apply.

Editorial Disclaimer Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. Whereas the details of the cards benefits have been reviewed and are accurate as of the date noted, the site's content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

PREMIUM TRAVEL CARD

United Club℠ Card

Learn More
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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.