Please note: This card has been discontinued and is not currently accepting new applications.

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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per year
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${{totalValueToUser | number}}

How’d we figure that out?

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See how the United Club compares to other credit cards

United Club Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 1.5x

Value = 1.3 cents per point
Effective Value = 1.95 %

0%
3%

Welcome Bonus = 75,000

Value = 1.3 cents per point
Effective Value = $975

$0
$1700

Annual Fee = $450

$0
$995
Welcome Bonus
75,000

Excellent

Bonus Rating

Excellent

In the top 15% of cards.

Points

After you spend $3,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x United Airlines

Excellent

excellent

Excellent

In the top 15% of cards.

1.5x All Other

Very Good

very good

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.

Program Name
United MileagePlus
Gigapoints Value
1.3¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $450
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 Go

Additional perks of owning this card

United Club membership

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.

Free first and second checked bags

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%