The United Club Card is the premium personal credit card in the United MileagePlus lineup. Its core benefits are United Club Membership, two free checked bags, Premier Access, and strong PQP earning potential.
For frequent United travelers who regularly use United Club lounges or want to turn significant credit card spending into progress toward United Premier Status, the United Club Card offers the strongest combination of lounge and status benefits among the personal United cards.
👉 Apply for the United Club Card
Benefits Overview
| Benefit | United Club Card |
|---|---|
| Annual Fee | US$695 |
| United Purchases | 5X MileagePlus Miles |
| Renowned Hotels and Resorts for United Cardmembers | 5X on eligible prepaid hotel bookings |
| Dining | 2X |
| Other Travel | 2X |
| Other Purchases | 1X |
| United Club Membership | United Club Membership |
| United Club All Access | Available after meeting the eligible Premier Status or annual spending requirement |
| Free Checked Bags | First and second standard checked bags free for the primary cardmember + 1 companion on the same reservation |
| Premier Access | Priority Check-in, eligible Security Screening, Boarding and Baggage Handling |
| Card Bonus PQP | 1,500 PQP each year |
| PQP from Card Spending | US$15 spend = 1 PQP, up to 28,000 PQP per calendar year from spending |
| Renowned Hotels Credit | Up to US$200 per year |
| Rideshare Credit | Up to US$150 per calendar year |
| Avis / Budget United Travel Credit | Up to US$100 per year |
| Instacart Credit | Up to US$240 per calendar year, currently through Dec 31, 2027 |
| JSX Credit | Up to US$200 per year |
| Global Entry / TSA PreCheck / NEXUS | Up to US$120 statement credit |
| United Inflight Purchases / United Club Premium Drinks | 25% back on eligible purchases |
| Foreign Transaction Fee | 0% |
United Club Membership
The defining benefit of the United Club Card is United Club Membership.
Unlike the United Explorer Card, which provides two United Club One-Time Passes each year, the United Club Card is designed for travelers who want ongoing United Club access.
The membership provides access to eligible United Club locations for the primary cardmember, with eligible guests permitted according to the applicable United Club membership rules.
Cardholders who meet the applicable Premier Status or annual spending requirement can also unlock United Club All Access, providing enhanced lounge access privileges.
1,500 PQP Each Year + US$15 = 1 PQP
For high-spending travelers, the United Club Card’s PQP earning structure is particularly valuable.
Cardmembers receive:
1,500 Card Bonus PQP each year
Eligible card spending earns:
US$15 = 1 PQP
Up to 28,000 PQP per calendar year can be earned through eligible card spending.
This makes the United Club Card significantly more powerful for Premier Status qualification than the United Quest Card, which earns 1 PQP for every US$20 in eligible spending.
For travelers with substantial annual credit card spending, the card can therefore serve two purposes at once: earning MileagePlus miles while accelerating progress toward United Premier Status.
Conclusion
The United Club Card is best suited to two types of travelers: frequent United flyers who regularly use United Club lounges and high-spending cardholders who want to earn substantial PQP through credit card spending.
Its core package is United Club Membership + two free checked bags + Premier Access + 1,500 Card Bonus PQP + US$15 = 1 PQP.
If United Club Membership is not important, the United Quest Card may be the more straightforward choice. If lounge access and Premier Status are both priorities, the United Club Card becomes the stronger option.
Historical Welcome Offers
| Date | Welcome Offer | Spending Requirement |
|---|---|---|
| Apr 2026 | 100,000 Miles, plus 10,000 Miles for adding an Authorized User | US$5,000 / 3 months |
| Jan–Apr 2026 | 90,000 Miles | US$5,000 / 3 months |
| Jun 2025–Jan 2026 | 80,000 Miles | US$5,000 / 3 months |
| Mar–Jun 2025 | 95,000 Miles | US$5,000 / 3 months |
| Nov 2024–Mar 2025 | 80,000 Miles | US$5,000 / 3 months |
| Aug–Nov 2024 | 70,000 Miles | US$5,000 / 3 months |
| Jun–Aug 2024 | 80,000 Miles | US$5,000 / 3 months |
| Mar–Jun 2024 | 70,000 Miles | US$5,000 / 3 months |
👉 Apply for the United Club Card
United MileagePlus Personal Cards
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| United Gateway Card | US$0 | 2X United, 2X Gas / Transit, Cardmember Award Pricing | 0% |
| United Explorer Card | US$0 first year, then US$150 | First Checked Bag Free, 2 United Club One-Time Passes, Priority Boarding | 0% |
| United Quest Card | US$350 | US$200 United Travel Credit, 2 Free Checked Bags, Award Discount | 0% |
| United Club Card | US$695 | United Club Membership, 2 Free Checked Bags, Premier Access | 0% |
United MileagePlus Business Cards
| Credit Card | Annual Fee | Key Benefits | Foreign Transaction Fee |
| United Business Card | US$150 | First Checked Bag Free, 2 United Club One-Time Passes, 5K Better-Together Bonus | 0% |
| United Club Business Card | US$695 | United Club Membership, 2 Free Checked Bags, Premier Access | 0% |
Application Rules & Restrictions
When applying for Chase credit cards, keep these key rules in mind:
– 5/24 Rule: If you have opened 5 or more credit card accounts that appear on your personal credit report within the past 24 months, it will generally affect your ability to get approved for a new Chase Card. Most Business Cards that do not report to personal credit reports generally do not add to your 5/24 count.
– Welcome Offer Eligibility: Different Chase Cards have their own Welcome Offer restrictions, and some products also have Card Family Restrictions. Being under 5/24 does not necessarily mean you are eligible for a Welcome Offer.
– Application Timing: Chase does not publish a simple fixed application interval, but submitting multiple Chase applications within a short period may affect approval.
A simple Chase application strategy is:
Check 5/24 → Check Welcome Offer / Family Eligibility → Submit Application
Actual application and Welcome Offer Eligibility requirements are subject to the current terms of each Chase Card.
How Can Foreigners Apply for Chase Credit Cards?
Foreign applicants generally need to establish some U.S. Credit History before applying for Chase credit cards.
If you are new to the U.S. credit card market, one strategy is to first obtain a U.S. Amex through Amex Global Transfer, build your U.S. credit history, and then consider applying for Chase.
Amex Global Transfer → U.S. Amex → Build U.S. Credit History → Chase
Applicants must still meet Chase’s current requirements regarding identification, address, credit history, and other application criteria.
