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
90,000
≈$1,080 value
Spend Requirement
$5,000
in 3 months
Annual Fee
$695
No FTF
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.
Apply now or wait?
Strong offerThe current 90k beats this card's typical offer of 80k. The all-time high is 95k, so a bigger number has appeared before, but you are getting an above-average deal today.
Current offer
90k
All-time high
95k
Typical offer
80k
In place since
January 2026
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
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Earning Rates
- 4xUnited purchases
- 2xAll other travel and dining
- 1xAll other purchases
Credits ($470/yr stated)
- 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
Benefits
- ✦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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