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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
740+
(Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 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 ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-09 · spot an outdated offer? Report a correction above.
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Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 4xUnited purchases
- 2xAll other travel and dining
- 1xAll other purchases
Last Recorded Credits
- Renowned Hotels and Resorts credit$150
Booked through United Hotels
- Rideshare credit$100
Monthly statement credits, enrollment required
- Avis and Budget car rental credit$100
Prepaid bookings
- Instacart credit$120
Monthly credits, enrollment required
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Full United Club membership, worth $750 if bought outright
- ✦Free first and second checked bags for you and a companion
- ✦Premier Access check-in, security and boarding
- ✦25% back on United inflight purchases
- ✦Premier qualifying points boost from card spend
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
- +4x 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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