United Club Card
Chase · Visa — earn rates, perks, fees, and sources.
Annual fee
$695
Top earn rate
5×
on flights
Perk credits
7
tracked perks & credits
Earn math example
Spend $500/mo on flights with the United Club Card and you'd earn 30,000 pts/yr ≈ $300 (valued at 1¢/pt) against a $695 annual fee — net -$395/yr on this category alone.
Earn rates
Perks & credits (7)
- United Club membership — $0 annualStandard United Club membership; expanded partner lounge access and guesting privileges with Premier Gold status or $50,000 in annual card spend.
- Renowned Hotels credit — $200 annualUp to $200 annually in statement credits on prepaid Renowned Hotels and Resorts stays.
- Ride-hailing credit — $150 annualUp to $150 annually in statement credits on eligible ride-hailing purchases.
- Avis and Budget TravelBank credit — $100 annualUp to $100 annually in Avis and Budget TravelBank credit.
- JSX credit — $200 annualUp to $200 annually in statement credits on JSX purchases.
- Instacart credit — $240 monthlyUp to $20 per month in Instacart credits, up to $240 annually.
- Trusted traveler credit — $120 annualUp to $120 toward a Global Entry or TSA PreCheck application every four years.
Track these in the perk tracker so none expire unused.
Sources
- https://thepointsguy.com/news/united-credit-card-refresh-2025/?ref=biztoc.com
- http://thepointsguy.com/credit-cards/united-explorer-vs-united-club/
- https://simpleflying.com/pay-more-united-airlines-credit-card-lounge-access/
Card terms change — verify current fees and benefits with the issuer before applying.
We're finalizing application links — check back soon.
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