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If you're a regular on United Airlines flights and prefer to spend your time in lounges rather than the terminal, there's one credit card you should care about: the United Club℠ Card (Rates & Fees). And there’s no better time to apply for this Chase-issued United card than right now. The welcome offer has been increased to 90,000 bonus miles after you meet the minimum spending requirements!
Beyond the elevated bonus, the United Club Card comes with several valuable perks, including extra benefits when you fly United, a Premier elite status boost, hundreds of dollars in annual statement credits, and, best of all, unlimited United Club lounge access.
Here’s everything you need to know about this United Club Card offer to help you decide if now’s the right time to apply.
- Earn 90,000 bonus miles
- 4x miles on United® purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
- United Club℠ card membership - at least a $750 value
- Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply)
- Premier Access® travel services
- Earn up to 20,000-miles in award flight discounts annually
- Member FDIC
- Rates & Fees
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining
- Earn 1 mile per $1 spent on all other purchases
Page Contents
United Club Card 90k Bonus Offer
As United Airlines’ top-tier credit card, the United Club Card comes with a top-tier offer. New cardmembers can earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
This is one of the more lucrative offers Chase periodically runs for this card. Its baseline welcome offer is 80,000 bonus miles, so 90,000 bonus miles is more than 12% higher than usual.
What is this elevated welcome bonus worth?
There’s a lot you can do with these miles. On average, AwardWallet users redeem United MileagePlus miles for 1.96¢. That means 90,000 bonus miles are worth more than $1,760 toward award travel booked through United.
MileagePlus also has several valuable sweet spots, both on flights operated by United and across its international partner network. This gives you plenty of great ways to redeem this bonus for excellent value.
Why Get the United Club Card?
There’s a lot to like about the United Club Card. It's packed with valuable benefits, and both the quantity and quality of them make it easy to offset the card’s $695 annual fee.
United Airlines benefits and travel perks
The United Club Card has several benefits for those who fly with United, including:
Airport perks
- United Club membership: Primary cardmembers and their eligible travel companions (one adult guest and dependent children) get access to 45+ United Club locations worldwide.
- All Access membership eligibility: Unlock All Access membership after reaching Premier Gold status or by spending $50,000 in purchases each calendar year with your card.
- Four United Club one-time passes: Earn these passes when you have an All Access Membership and an authorized user.
- Free first and second checked bags: The primary cardmember and one companion on the same reservation receive their first and second standard checked bags free.
- Premier Access travel services: Priority check-in, security screening, boarding, and baggage handling privileges (where available).
United elite status boosts
- Up to 28,000 Premier qualifying points (PQP): Earn 1 PQP for every $15 spent on purchases, up to 28,000 PQP per calendar year.
- 1,500 Card Bonus PQP annually: Receive 1,500 PQP each year to help you get a head start on Premier status.
In-flight benefits
- Complimentary Premier upgrades on award tickets: Primary cardmembers who are MileagePlus Premier members are eligible for upgrades on select United-operated flights when traveling on award tickets, along with one companion (when available).
- 25% back on United inflight and Club premium drink purchases.
Mileage discounts
- Up to 20,000 miles in annual award flight discounts: Get a 10,000-mile discount after spending $20,000 each calendar year, up to twice per year.
- 10% off United Economy saver awards: Save 10% on United and United Express flights within the continental U.S. or between the continental U.S. and Canada.
Related: All the Ways to Get United Club Access Before Your Next Flight
Partner benefits and statement credits
Like most premium credit cards nowadays, the United Club Card offers several partner benefits and statement credits, including:
- IHG One Rewards Platinum Elite status: Complimentary for the primary cardholder.
- Up to $100 in United TravelBank credits on Avis or Budget car rentals: Earn two $50 credits per year when you book car rentals through Avis or Budget.
- Up to $200 in statement credits on JSX flights. Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX
- Up to $200 in statement credits on Renowned Hotels and Resorts bookings. Receive up to $200 back in statement credits each anniversary year on prepaid hotel accommodations.
- Up to $150 in rideshare credits each year: Get $12 per month in credits, with an elevated $18 credit in December.
- Up to $240 in Instacart credits: Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart.
- Up to $120 Global Entry, TSA PreCheck, or NEXUS fee credit.
Purchase and travel protections
The United Club Card comes with a long list of travel and purchase protections. These include:
- Purchase protection
- Return protection
- Extended warranty
- Trip cancellation/interruption
- Trip delay
- Lost luggage
- Baggage delay
- Auto Rental Collision Damage Waiver insurance
- No foreign transaction fees
Earning rates
In addition to all of the above, something else that stands out about the United Club Card is that it's a formidable earner. And these earning rates will come in handy if you spend a considerable amount on United purchases, travel, or dining.
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining
- Earn 1 mile per $1 spent on all other purchases
Related: Do United MileagePlus Miles Expire?
United Club Card Application Rules and Restrictions
If you have or have had the United Club Card recently, you may be ineligible for another bonus on this same card. You'll find this language in the card's application terms:
This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.
However, there is no restriction on applying for the United Club Card if you hold other United credit cards. That means you can get the United Club Card if you have the United℠ Explorer Card (Rates & Fees) or the United Quest℠ Card (Rates & Fees), for example.
And like all Chase cards, the United Club Card is subject to Chase’s 5/24 policy. If you’ve opened five or more personal credit cards in the previous 24 months, you likely won't be approved for this card. Additionally, Chase doesn't tend to approve anyone for more than two personal credit cards within 30 days or more than one business card within 90 days.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Bottom Line
If you’re in the market for a premium airline card and fly United often enough to make unlimited lounge access worthwhile, the United Club Card is worth serious consideration. While it carries a sizable annual fee, its ongoing perks and annual statement credits can quickly offset the cost.
And there’s no better time to apply than right now. The card is offering 90,000 bonus miles after you meet the minimum spending requirements, and this is a welcome offer you won’t want to miss if you care about earning valuable frequent flyer miles.
- Earn 90,000 bonus miles
- 4x miles on United® purchases
- 2x miles on dining and all other travel
- 1x mile on all other purchases
- United Club℠ card membership - at least a $750 value
- Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply)
- Premier Access® travel services
- Earn up to 20,000-miles in award flight discounts annually
- Member FDIC
- Rates & Fees
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel
- Earn 2 miles per $1 spent on dining
- Earn 1 mile per $1 spent on all other purchases
For rates and fees of the cards mentioned in this post, please visit the following links: United Club℠ Card (Rates & Fees), United℠ Explorer Card (Rates & Fees), and United Quest℠ Card (Rates & Fees)
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