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United Club(SM) Card
Welcome Offer
bonus_miles
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How to Earn Rewards
11x
Total miles on eligible United flights (6x as MileagePlus member + 5x as cardholder; differs for Basic Economy)
5x
Miles on all other eligible United® purchases (raised from 2x in 2025 refresh)
5x
Miles on hotel stays when prepaid through Renowned Hotels and Resorts for United® Cardmembers
2x
Miles on all other travel (airfare, trains, transit, cruises, hotels, car rentals, taxicabs, resorts, rideshare, tolls)
2x
Miles on dining (including eligible delivery services)
1x
Mile on all other purchases
Key Benefits
Tap any benefit to see details.
United Club℠ Membership (Up to $750/Year Value)
Unlimited United Club lounge access for cardholder + 1 adult guest + dependents under 18 when flying United. NOTE: 2025 refresh narrowed guest policy from '2 adult guests OR 1 + dependents under 21' to '1 adult guest + dependents under 18.' Star Alliance lounge access REMOVED unless you're a United Club All Access member (requires MileagePlus Premier Gold OR $50K calendar year spend). Standalone United Club membership costs $750/year.
4 United Club All Access Guest Passes Annually (Over $200 Value)
4 one-time United Club All Access guest passes per year. Each pass valued ~$59 (United Club one-time pass price), so total ~$236/year value.
Free First and Second Checked Bags (Cardholder + 1 Companion)
Your first and second checked bags are free for you and one companion on United-operated flights. With checked bag fees now $40 each way, that can save you up to $440 per roundtrip.
Premier Access® Travel Services (~$25-50/Trip)
Priority check-in, security screening, boarding, and baggage handling at the airport (where available).
$120 Global Entry / TSA PreCheck® / NEXUS Statement Credit
Statement credit of up to $120 every 4 years as reimbursement for Global Entry, TSA PreCheck® or NEXUS application fee charged to your card. Average $30/year value.
Complimentary Premier® Upgrades on Award Tickets (Premier Status Required)
Cardmembers who hold MileagePlus Premier status receive complimentary Premier upgrades on award tickets. Value varies by status tier and flight.
Up to $200 Renowned Hotels Credit (Annual)
Up to $200 in statement credits annually for prepaid hotel stays purchased directly through the Renowned Hotels and Resorts for United® Cardmembers program.
Up to $200 JSX Credit (Annual)
Up to $200 in statement credits annually for JSX flights (semi-private aviation, public-charter flights from private terminals). NEW for 2025 refresh.
Up to $150 Rideshare Credit (Annual)
Up to $150 in rideshare credits per calendar year — $12/month January through November + $18 in December (totaling $150). Enroll to receive credits when you pay with your card.
Up to $100 Avis/Budget Travel Credit
$50 TravelBank cash on first 2 Avis or Budget rentals each year (up to $100 total annually).
Avis President's Club® Status
Automatic Avis President's Club status for cardholders. Includes guaranteed car availability, two-class car upgrades when available, and other perks.
IHG® One Rewards Platinum Elite Status
Cardholder enrollment for IHG One Rewards Platinum Elite status — includes bonus points on paid stays, complimentary room upgrades based on availability, priority check-in, discounts on reward nights at select properties, and welcome amenities at IHG hotels.
Up to $240 Instacart Credits (Annual)
Two $10 credits per month (totaling up to $240/year) when you pay with your card on Instacart.
Complimentary Instacart+ Membership (~$99/year value, Through Dec 31, 2027)
Complimentary Instacart+ membership (free delivery on $35+ orders, etc.) for as long as the benefit is offered. Worth ~$99/year. Available through December 31, 2027.
Trip Protection + Auto Rental CDW + Baggage + Purchase Protection
Trip cancellation/interruption insurance, trip delay reimbursement, auto rental collision damage waiver (primary), baggage delay, lost luggage reimbursement, purchase protection, return protection, extended warranty protection.
1,500 PQP Annual Cardholder Bonus (NEW 2026)
Starting in 2026, receive a 1,500 PQP (Premier Qualifying Points) bonus after February 1 each year (your card must be opened by December 31 of the prior year to qualify). Helps accelerate United Premier elite status.
Up to 20,000 Miles in Award Flight Discounts Annually
Earn a 10,000-mile award flight discount after $20,000 in card purchases — up to 2 times per calendar year (20,000 miles total).
1 PQP per $15 Spent (Up to 28,000 PQP/Year)
Earn 1 Premier Qualifying Point (PQP) for every $15 in card purchases, up to 28,000 PQP per calendar year. PQPs help reach United Premier elite status (valid through Premier 1K level).
10% Off Award Flights (NEW 2026 Across United Cards)
Save 10% or more when booking award flights with miles. Premier members save even more. NEW 2026 benefit added across all United cobranded cards.
No Foreign Transaction Fees
No foreign transaction fees on international purchases.
Katie's Take
Why this card might (or might not) be right for you.
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Katie's Take
Why this card might (or might not) be right for you.
If you are very committed to flying United/Star Alliance partners and have a large family, this card could definitely make sense. If you fly a variety of airlines, it would be hard to get the value of the annual fee out of this card.
Lounge Access Details
Networks Included
United Club
Guest Access
1 adult guest + all dependent children under 18 at United Club locations
AU policy not specified in article.
Benefits Calculator
What's the United Club(SM) Card worth to you? Get a personalized estimate.
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Benefits Calculator
What's the United Club(SM) Card worth to you? Get a personalized estimate.
United Club(SM) Card Benefits Calculator
Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.
Unlimited United Club lounge access for cardholder + 1 adult guest + dependents under 18 when flying United. NOTE: 2025 refresh narrowed guest policy from '2 adult guests OR 1 + dependents under 21' to '1 adult guest + dependents under 18.' Star Alliance lounge access REMOVED unless you're a United Club All Access member (requires MileagePlus Premier Gold OR $50K calendar year spend). Standalone United Club membership costs $750/year.
$
4 one-time United Club All Access guest passes per year. Each pass valued ~$59 (United Club one-time pass price), so total ~$236/year value.
$
Your first and second checked bags are free for you and one companion on United-operated flights. With checked bag fees now $40 each way, that can save you up to $440 per roundtrip. (per-use benefit — value depends on how often you'll use it)
$
Priority check-in, security screening, boarding, and baggage handling at the airport (where available). (per-use benefit — value depends on how often you'll use it)
$
Statement credit of up to $120 every 4 years as reimbursement for Global Entry, TSA PreCheck® or NEXUS application fee charged to your card. Average $30/year value. ($30 every 4 years = $8/yr)
$
Up to $200 in statement credits annually for prepaid hotel stays purchased directly through the Renowned Hotels and Resorts for United® Cardmembers program.
$
Up to $200 in statement credits annually for JSX flights (semi-private aviation, public-charter flights from private terminals). NEW for 2025 refresh.
$
Up to $150 in rideshare credits per calendar year — $12/month January through November + $18 in December (totaling $150). Enroll to receive credits when you pay with your card.
$
$50 TravelBank cash on first 2 Avis or Budget rentals each year (up to $100 total annually).
$
Two $10 credits per month (totaling up to $240/year) when you pay with your card on Instacart.
$
Complimentary Instacart+ membership (free delivery on $35+ orders, etc.) for as long as the benefit is offered. Worth ~$99/year. Available through December 31, 2027.
$
Your Total Annual Value
$0
Annual Fee: annual_fees
Your Net Value / Cost
$0
Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
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Offer History
See past welcome bonuses to gauge whether the current offer is elevated.
| Offer | Spend Req. | Date |
|---|---|---|
| 80,000 MilesCurrent | $5,000 in 3 months | Standard sign-up offer baseline |
| Up to 110,000 Miles + 3,000 PQPCurrentElevated | $5,000 in 3 months + add authorized user | Current limited-time elevated; ends May 20, 2026 |
| 120,000 MilesElevated | Standard spend req | Best-ever offer in 2022 |
| 100,000 MilesElevated | Standard spend req | Periodic elevated offer |
| 105,000 MilesElevated | Standard spend req | Highest 2025 offer |
