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This content was accurate at the time of publication. Check the bank site for the most up to date information.

Learn How to Apply

Current welcome offer

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Annual Fee

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How to Earn Rewards

4x

Miles on United® purchases.

2x

Miles on all other travel and dining.

1x

Mile on all other purchases.

Benefits

United Club℠ membership – up to $650 value per year

Free first and second checked bags – a savings of up to $360 per roundtrip (terms apply) – and Premier Access® travel services.

My Take

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.

offer History

The standard sign up offer is 80,000 points. We have seen offers as high as 120k in the past four years but the highest sign up offer we saw in 2025, was 105k points.

United Club℠ Card Benefit Calculator

United Club℠ Card: What's It Worth to You?

Enter your personal estimated annual value for each benefit to see a customized calculation of the card's worth.

United Club℠ MembershipAccess for you and eligible guests (at least $750 value)

$

United Club℠ All Access Guest Passes4 one-time passes annually (over $200 value)

$

Free First & Second Checked BagsFor you and a companion (up to $360 per roundtrip)

$

Premier Access® Travel ServicesPriority check-in, security, boarding & baggage (~$25-50 value per trip)

$

Global Entry, TSA PreCheck®, or NEXUS CreditUp to $120 every 4 years (avg. $30/year)

$

Complimentary Premier® Upgrades on Award TicketsValue varies (if you have Premier status)

$

Up to $200 Renowned Hotels Credit$200 back on prepaid stays annually

$

Up to $200 JSX Credit$200 back on JSX flights annually

$

Up to $150 Rideshare CreditUp to $12/mo Jan-Nov, $18 Dec

$

Up to $100 Avis/Budget Credit$50 TravelBank cash on first two rentals

$

Avis President's Club® StatusGuaranteed car, two-class upgrades

$

IHG® One Rewards Platinum Elite StatusRoom upgrades, extended checkout, bonus points

$

Up to $240 Instacart CreditsTwo $10 credits monthly (up to $240 total)

$

Instacart+ MembershipComplimentary membership (~$99/year value, ends 12/31/27)

$

Travel and Purchase ProtectionsTrip Cancellation/Delay, Auto Rental CDW, Baggage/Lost Luggage, Purchase/Return/Warranty Protection

$

Your Total Annual Value:

$0

Annual Fee: $695

Your Net Value / Cost:

-$695

Learn More About The New United Club℠ Card

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Use these points to fly on the Hello Kitty Plane.

See how to use these points for a Hawaii trip.

More Articles about The New United Club℠ Card