THE CARDTUNED DATABASE
United Club Card
Issuer: Chase · Network: Visa
5X card miles on eligible United purchases; 5X prepaid Renowned Hotels stays; 2X other travel and dining; 1X other eligible purchases
- Annual fee
- $695
- Foreign transaction fee
- None
- Intro APR
- No introductory purchase APR shown
- Regular APR
- 19.74%–28.24% variable APR
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
Up to 90,000 miles: 80,000 after $5,000 in purchases within 3 months plus 10,000 after adding an authorized user within 3 months
- Spending requirement
- $5,000 in purchases
- Time window
- within 3 months
Offer last checked: 2026-09-04
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5X | card miles on eligible United purchases |
| Hotels | 5X | prepaid Renowned Hotels stays |
| Dining | 2X | other travel and dining |
| Other purchases | 1X | other eligible purchases |
Additional benefits
• United Club membership for cardmember and a guest
• first and second checked bags free for primary cardmember and one companion
• Premier Access travel services
• 1,500 annual bonus PQP
• award-flight discounts
• more than $875 in listed annual partner credits
Restrictions to know
$695 annual fee; welcome bonus restricted by United Club current/prior-cardmember 24-month rule; All Access Club level requires Premier Gold or $50,000 annual card spend; partner credits require qualifying channels or enrollment
Who can apply
Subject to Chase approval and the specific United card's current/prior-cardmember 24-month bonus rule; a MileagePlus account is required for program benefits.
Credit profile: Not Public / issuer underwriting applies