Last updated: 8/5/2021

United Club

Earns: United MileagePlus

★★★★★

GigaTake:

This card might make sense if you really want access to United’s airport lounge network, and it earns 1.5 miles for every dollar you charge. But the $450 annual fee makes it one of the most expensive cards on the market—without the flexibility of similarly priced cards.

This card is best for:

Dining
Travel

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Here’s how much you would earn with this card

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See how the United Club compares to other credit cards

United Club Other Cards

Rewards

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Reward Rate = 1.5x

Value = 1.3 cents per point
Effective Value = 1.95 %

Welcome Bonus = 75,000

Value = 1.3 cents per point
Effective Value = $975

$1700

Annual Fee = $450

$695

Welcome Bonus

75,000 Points

After you spend $3,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

2x United Airlines

1.5x All Other

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

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0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

$450

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool

Additional perks of owning this card

United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks. Before you fly, you, as the primary cardmember, and your eligible travel companions will enjoy access to all United Club locations and participating Star Alliance affiliated lounges worldwide.

The primary cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free on United-operated flights when purchasing tickets with their United ClubSM Card.

The Fine Print

PURCHASES APR	16.49% to 23.49%
BALANCE TRANSFER APR	16.49% to 23.49%
BALANCE TRANSFER FEE	Either $5 or 5% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR	24.99%
CASH ADVANCE FEE	Either $10 or 5% of the amount of each transaction, whichever is greater.
RETURN CHECK FEE	$0
FOREIGN TRANSACTION FEE	0%