Signup Bonus and Benefits of the United MileagePlus® Club Card

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The United MileagePlus® Club Card is out with an increased signup offer of 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months. The card also offers a complimentary United Club membership, worth up to $550 per year, in addition to valuable perks like free checked bags for you and a companion, elite status with hotel and car rental chains, and waiving of close-in booking fees.

MileagePlus Club Card Now Offering 50K Signup Bonus

A significant increase from the $100 statement credit previously offered with the card, 50,000 United miles is a substantial boost to a card which already comes with valuable benefits. The $3,000 minimum spend is realistic given this is a premium rewards card, and 50,000 United miles is enough to fly Thai Airways first-class Bangkok to Sydney, although not after the coming November devaluation! Don’t have time to travel to Australia? Browse some of our favorite MileagePlus awards in our post on United sweet spots.

Application Restrictions

The MileagePlus Club Card is subject to Chase’s 5/24 policy, meaning if you have added five or more new credit card accounts to your credit report in the previous 24 months, it’s likely your application will not be successful.

The increased bonus is not available to applicants who currently have the MileagePlus Club Card, or have received a new cardmember bonus for the card in the previous 24 months.

Return on Spend and Annual Fee

One of the highlights of the MileagePlus Club Card is the 1.5 points per dollar earned on all purchases. This is the only co-brand airline card that offers more than a single mile per dollar on non-bonus spending that we can think of; so the 1.5 points per dollar, including no foreign transaction fees, is a real standout feature. You’ll earn a solid 2 points per dollar spent on tickets purchased directly from United using the card — which you'll want to make sure you use to receive the free bag benefits, otherwise, you're better off with a better card for airline purchases.

Sitting in the premium rewards card bracket, the MileagePlus Club Card sports a $450 annual fee. Not bad for the signup bonus and perks the card offers.

Complimentary United Club Membership Worth up to $550 a Year

Another card highlight and a perk well worth holding the card year-on-year is the complimentary United Club membership as long as you keep the card. The lowest possible United Club membership fee is $450 per year for Premier 1K® members, rising to $500 per year for Platinum, and $550 per year for Silver, Gold, and base level members.

If you use United lounges enough to warrant a membership, you are 100% better off paying the annual fee on the MileagePlus Club Card, and scoring 50,000 bonus miles in addition to a heap of additional perks, than paying a flat United Club membership fee. Authorised users do not get United Club access.

Additional Benefits of the United MileagePlus® Club Card

  • Primary cardholders and a companion receive free first and second checked bags on United-operated flights, worth up to $240 per round-trip flight when paying for the ticket using the card
  • Elite benefits such as complimentary breakfast at The Luxury Hotel & Resort Collection
  • Complimentary Hyatt Discoverist and Hertz President's Circle® Elite Status
  • Cardmembers pay no close-in ticketing fees saving up to $75 per person, per flight
  • Pay for a rental car and decline the collision insurance and you’ll receive Primary Auto Rental Coverage
  • A full array of travel protection insurances including Trip Delay and Baggage Delay Insurance
  • MileagePlus Premier members traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United-operated flights if available
  • Premier Access services like priority check-in, security screening, boarding and baggage handling privileges

Final Thoughts

The MileagePlus Club Card is United’s top-tier co-brand rewards card, offering a 50,000 bonus mile signup bonus and a long list of high-value perks such as United Club membership, free checked bags, complimentary elite status with Hertz and World of Hyatt, fee waivers, and a decent return on spend.

Who is the perfect cardholder of the MileagePlus Club Card? If you live in or near a United hub, or fly United often and want elite benefits without flying the required miles, the MileagePlus Club Card has all the benefits you could need for a rewards card.

If you don’t think you will use all the perks the card offers, you can pair the no annual fee Chase Freedom Unlimited® which earns 1.5 points on everyday spend, with a premium Ultimate Rewards earning card like the Chase Sapphire Preferred® Card. You can then transfer those Ultimate Rewards to United at 1:1, returning the same miles on your daily spend without the high annual fee.

If you have any questions about the United MileagePlus® Club Card, please reach out in the comments below.

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  • To me there are just better cards out there, unless you are just a 100% dedicated United flyer.

  • Need a co-branded United card in Canada!!

  • A little pricey for me as lounge access does not do it for me.

  • Howie,
    I have seen my Delta miles devalued many times, and award seat availability decline. How does United compare to Delta regarding award availability and risk of devaluation of miles? Would be good to know this before I apply for United cards.

    • Steve, I don’t travel enough to give real insight into it, but I will say redeeming with United is easier internationally given their partner network and, in general, better website experience as compared to Delta.

      In the long run, I think the best strategy is to be loyal to no one other than yourself, unless you have a compelling reason — because of this, I mostly focus on transferrable rewards for the long run.

  • I had this card for a year and loved it. I enjoyed having 1.5x on all general purchases. I was lucky enough to have the first year fee waiver.

  • The annual fee is a little too much. It would make sense to have a couple hundred dollars, but the difference between this card and the regular mileage plus card just doesn’t seem worth all that extra annual fee! I haven’t had much luck in getting Chase fees waived; has anyone else?

  • Bernard Say says:

    Will miles being devalued all the time, it’s probably better to go with cash rebates.

  • Bertrand Say says:

    The no luggage fee is the only thing I appreciate from the benefits.

  • angelo fonseca says:

    that’s a superbonus

  • I’ve ha.d this card for years and it is my go to card other than Amex. Getting the extra half point per dollar really adds up if the card is used frequently. Unfortunately there was no point bonus when I first got the card.

  • Nice bonus; I believe that’s new for this card, but not as high as the MP Explorer. Also, a solid everyday spend earned at 1.5 miles per 1$. Lounge acces is nice too, but overall, that AF just kills this deal, in my view.

    • The annual fee is a complete killer unless you’re regularly leveraging United lounge access. I’d say the 1.5 united miles/doller is a standout, which it is, but if you’ve got a Freedom Unlimited + Sapphire Preferred/Reserve (and aren’t going to get whacked with foreign transaction fees), I’d say that is a better pairing.

      Again, the new signup bonus is nice to see, and a true United Club membership is significant — beats what you get with Delta and their co-brand credit cards which provide “access” when flying Delta.

  • good outline of options, that AF hurts too much for me

  • Does this card also give access to more award seats like the MileagePlus Explorer Card? If so, that’s another solid benefit.

    It’s too bad that the authorized users don’t get Club access. The equivalent AA card does and the authorized users are free.

  • Does this card also work for linking to the United X app? (giving an extra 25% points)

    • According to the terms, only the United MileagePlus® Credit Card from Chase earns the bonus. It could be that this card does and the terms haven’t been updated, but we cannot confirm/deny.

      • I can’t speak directly to this but I had the MP card Explorer Card canceled that and had the Club card. Even after canceling the explorer card I still was eligible for the MPX bonus. I no longer have either card as I downgraded the club card to the United no annual fee card which gives 1 mile/$2 yet the bonus still applies.

  • $450 annual fee is too high. Usually I do not apply any credit cards have annual fee more than $200. Unless I am 100% sure that I will get my annual fee back from the rewards. I wish they will offer cards with no annual fee or annual fee less than $200.

  • The signing bonus is very attractive. I will apply and use it for 1 year. I will cancel after 1 year. Just do not want to pay the hefty annual fee. Is this very bad?

  • Thanks. I need to look at flying United as another airline to fly. I mostly stick with American, Southwest, and JetBlue.

  • Great card! I would get it in a heartbeat if I am not on 5/24.

  • Personally, Hardly seems valuable enough I think I’ll leave it fir other offers. I gave a sense a few new cards of better value may emerge soon

  • Still a high fee 🙁

  • Howie,
    What are your favorite transferable rewards cards (not including Starwood, which I’ve already had)?

  • That fee is a killer but all the points you made I can see the benefits, even with the fee. It does offer several more benefits.
    I read that United may have negotiating issues with Chase though. Think there might be a better offer that pops up during the holidays even?

  • My husband just got a 60k offer in the mail, so tempted! AA offered 65k so I’m very torn on this. Would not make spend on both and cards I hold now.

  • Pretty good bonus on this card but the AF makes it hard to accept unless you’re comparing it to the cost of a United club membership.

  • As a family, we have spouse + kids.
    Is that lounge access include guests ?
    Or I should say, how many guests can I bring in the lounge with this benefit ?

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