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United Club℠ Card
Welcome Offer
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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
Unlimited United Club lounge access for cardholder + 1 adult guest + dependents under 18 when flying United. 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
4 one-time United Club All Access guest passes per year.
Free First and Second Checked Bags
Free first AND second checked bag for cardholder + 1 companion on same reservation, when you charge the United ticket to your card.
Premier Access® Travel Services
Priority check-in, security screening, boarding, and baggage handling at the airport (where available).
Up to $120 Global Entry / TSA PreCheck® / NEXUS Statement Credit
Statement credit of up to $120 every 4 years as reimbursement when you pay for Global Entry, TSA PreCheck® or NEXUS application fee.
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).
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 (Through Dec 31, 2027)
Complimentary Instacart+ membership (free delivery on $35+ orders, etc.) for as long as the benefit is offered. 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
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).
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
Save 10% or more when booking award flights with miles.
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℠ 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. 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.
$
Free first AND second checked bag for cardholder + 1 companion on same reservation, when you charge the United ticket to your card. (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 when you pay for Global Entry, TSA PreCheck® or NEXUS application fee. ($120 every 4 years = $30/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).
$
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. Available through December 31, 2027.
$
Your Total Annual Value
$0
Annual Fee: $695
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 Miles | $5,000 in 3 months | Standard sign-up offer baseline |
| 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 |
| Up to 110,000 Miles + 3,000 PQPElevated | $5,000 in 3 months + add authorized user | Ended May 20, 2026 |
