United Club
Chase$695 a yearVisa InfiniteNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
90,000miles
after $5,000 in purchases in the first 3 months
In line with past offers.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus90,000 points at 1.3¢ | $1,170 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$34 |
| Credits you'll likely useof $734 face value | +$360 |
| Annual fee | −$695 |
| Meeting the $5,000 minimumearns 1.3% here vs 2% on Double Cash | −$35 |
| First year | $834 |
| Each year after | +$314 |
Not counted in the first year: lounge access, status, other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Dining | 2.6% |
| 2X | Travel | 2.6% |
| 5X | Renowned Hotelsprepaid | 6.5% |
| 5X | United Purchases | 6.5% |
| 1X | Everything else | 1.3% |
Noteworthy perks
- United Club
- Renowned Hotels & Resorts$200 a year
- Instacart$240 a year
- IHG One Rewards Platinum (enrollment required)
Personal card · Earns United MileagePlus · Authorized user fee $0
Benefits
Credits & Perks (7)
- Renowned Hotels & Resorts: $200 (Annual Cardmember Year)
Up to $200 in statement credits for purchases with Renowned Hotels and Resorts for United Cardmembers each cardmember year
- Rideshare: $12 (Monthly)
Up to $150 in rideshare statement credits ($12/mo from January to November and $18 in December)
- Avis/Budget: $100 (Annual Cardmember Year)
Up to $50 in United TravelBank cash for an eligible Avis or Budget rental made through cars.united.com up to twice per cardmember year (up to $100 total)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Reimbursement for application fee. Statement credit appears after eligible purchase
- JSX: $200 (Annual Cardmember Year)
Up to $200 back as statement credit each cardmember year for JSX flights
- Instacart coupon: $10 off each of 2 orders (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Two $10 monthly coupons on Instacart orders with active Instacart+ membership (through 12/31/27)
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Lounge Access (3)
- United Club (Unlimited): 1 free guest, paid guests allowed
- United Club All Access (Unlimited): 2 free guests, paid guests allowed
- United Club Passes (4 visits/year): paid guests allowed
Elite status (4)
- IHG One Rewards: Platinum
- United MileagePlus: Earn 1 Premier Qualifying Point (PQP) per $15 spent, up to 28,000 per year
- United MileagePlus: Receive 1,500 Card Bonus PQPs each year (awarded within 6 to 8 weeks after February 1, starting in 2026).
- Avis Preferred: President's Club
Protections (10)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for death/dismemberment on common carrier
- Trip Cancellation/Interruption, up to $10,000, Up to $10,000 per covered traveler, $20,000 per trip for non-refundable travel expenses
- Trip Delay, up to $500, Up to $500 per trip for delays over 12 hours
- Lost Luggage Reimbursement, up to $3,000, Up to $3,000 per covered traveler for lost or damaged checked or carry-on baggage
- Baggage Delay Insurance, up to $300, Up to $100 per day for up to 3 days for essential purchases when baggage is delayed over 6 hours
- Emergency Evacuation and Transportation, up to $1,000,000, Up to $1,000,000 for medical services and transportation if injury or illness occurs 100+ miles from home
- Purchase Protection, up to $10,000, 120 days coverage for theft/damage/involuntary parting
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Return Protection, up to $500, Up to $500 per item when retailer won't accept return
- Auto Rental Collision Damage Waiver (primary), up to $60,000, Primary coverage up to $60,000 for rental car damage/theft (secondary for NY residents with personal auto insurance)
Other Perks
- Free first and second checked bags on United when the primary cardmember's MileagePlus number is on the reservation and the tickets are purchased with the card; the purchase requirement is waived for flights within 90 days of account opening
- Priority boarding on United
- Priority check-in, security screening, and baggage handling on United
- Improved saver award availability, including Polaris business class
- At least 10% off all United award flights; 15% off with Premier status
- 10K-mile award flight discount after $20K in purchases, up to twice each calendar year
- Unlocks complimentary elite upgrades on award tickets
- Earn miles on Basic Economy flights (non-elite members must hold a co-branded credit card to earn them)
- 3 additional MileagePlus miles per dollar spent on United flights
- 25% back as a statement credit on United inflight purchases (food, beverages, and Wi-Fi) and Club premium drinks
- Complimentary DoorDash DashPass for 12 months (must activate by 12/31/27)
- Complimentary Instacart+ membership through 12/31/27
The United Personal family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to United ClubOct 8, 2026
- changed from 80K miles after $5K spend in first 3 months + 10K bonus miles after you add an authorized user in the first 3 months to 90K miles after $5K spend in first 3 months + 10K bonus miles after you add an authorized user in the first 3 monthsOct 1, 2026
- changed from null to 5000Aug 13, 2026
- changed from null to 90Aug 13, 2026