United Club Card
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.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
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
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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