United Club Card
By Alex Compton · Last verified
A United Club membership with a card attached. The 2025 refresh raised the fee and stacked on credits.
Welcome Bonus
100,000
≈$1,200 value
Spend Requirement
$5,000
in 3 months
Annual Fee
$695
No FTF
Credit Score
740+
(Excellent)
Current offer note: Limited-time public offer: 90,000 miles after $5,000 in 3 months plus 10,000 miles for adding an authorized user in 3 months (up to 100,000)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Apply now or wait?
Apply nowThis is the best public offer this card has ever had. In 6 tracked offers going back to 2021, nothing has beaten 100k.
Current offer
100k
All-time high
100k
Typical offer
85k
In place since
October 2026
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 100,000 | $5,000 in 3 mo | Bonus increased: 90,000 → 100,000Limited-time public offer: 90,000 miles after $5,000 in 3 months plus 10,000 miles for adding an authorized user in 3 months (up to 100,000) | Chase United Club Card product page → |
| 2026-01 | 90,000 | $5,000 in 3 mo | Bonus decreased: 95,000 → 90,000 | Archive record · no attached snapshot |
| 2025-05 | 95,000 | $5,000 in 3 mo | Bonus increased: 80,000 → 95,000Refresh: $695 AF, new credit stack | Archive record · no attached snapshot |
| 2024-03 | 80,000 | $5,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-09 | 80,000 | $5,000 in 3 mo | Bonus increased: 75,000 → 80,000 · Spend: $3,000 → $5,000 | Archive record · no attached snapshot |
| 2021-01 | 75,000 | $3,000 in 3 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Offer now up to 100k (90k after $5k/3mo + 10k AU); United earn now 5x; credit stack and apply URL updated
Fields: currentOffer, earningRates, credits, benefits, applyUrl
Chase United Club Card product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xUnited purchases11x total on eligible United flights with the 6x MileagePlus member earn
- 5xPrepaid Renowned Hotels and Resorts stays
- 2xAll other travel
- 2xDining, including eligible delivery
- 1xAll other purchases
Credits ($890/yr stated)
- Renowned Hotels and Resorts credit$200
Prepaid stays booked through Renowned Hotels and Resorts
- Rideshare credit$150
Up to $12 a month Jan to Nov and $18 in Dec, yearly opt-in required
- Avis or Budget credit$100
$50 TravelBank cash on each of two rentals booked through United
- Instacart credit$240
$20 a month; ends 12/31/2027
- JSX credit$200
Flights booked directly with JSX
Benefits
- ✦United Club membership for you and a guest, a $750+ value
- ✦All Access membership at Premier Gold or after $50,000 of annual spend
- ✦Free first and second checked bags for you and a companion
- ✦Premier Access check-in, security and boarding
- ✦1,500 bonus PQP each year, plus 1 PQP per $15 spent (up to 28,000 PQP)
- ✦10,000-mile award flight discount after each $20,000 of spend, up to twice a year
Lounge Access
This card opens 1 lounge network. See exactly what you can walk into at your airport with the Lounge Finder.
Why it earns its spot
- +Club membership alone exceeds the annual fee
- +Two free checked bags plus Premier Access smooths every trip
- +5x on United spend is the best earn rate in the lineup
Where it costs you
- −$695 is a lot if you visit lounges rarely
- −Credit stack leans on enrollment and specific merchants
- −Subject to Chase 5/24
The Compound Verdict
Buy this card for the lounge, not the miles. If you would pay for a United Club membership anyway, the math is settled before the credits even start. If you fly United fewer than once a month, the Quest does the job at half the fee.
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