United Club℠: Premium Airline Travel with Lounge Access

Welcome Offer

• Earn 80,000 bonus miles after spending $5,000 in the first three months.
• +10,000 bonus miles after you add an employee card in the first three months.

Rewards

• Up to 11X Miles on United Purchases:
  • 11X Miles on United flights: 6X miles as a MileagePlus member + 5X miles with the United Club Card.
  • 5X Miles on all other United Purchases.
• 5X Miles on Hotel Stays: Earn 5X miles on prepaid hotel stays booked through Renowned Hotels and Resorts for United^® Cardmembers.
• 2X Miles Categories:
  • All other travel
  • Dining, including eligible delivery services
• 1X Mile on all other purchases.

Redemption Options

• Redeem miles for flights, hotel stays, car rentals, shopping, dining, gift cards, and more.
• 10% Award Flight Discount: Save at least 10% when booking flights with miles, with additional savings available for Premier members.
• Up to 20,000 Miles in Award Flight Discounts: Earn a 10,000-mile discount toward an eligible award flight after spending $20,000 in purchases, up to two times per calendar year.
• 10% Saver Award Flight Discount: Save 10% on United Economy Saver Awards within the continental U.S. and Canada when booking eligible United^® or United Express^® award flights.

Fees and APR

• Annual Fee: $695.
• Regular APR: 19.74% - 28.24% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Annual Credits & Statement Credits

• $200 Renowned Hotels & Resorts Credit: Get up to $200 in annual statement credits when you book and pay for prepaid stays through Renowned Hotels and Resorts with your United Club℠ Card.
• Up to $150 in Rideshare Credits: Earn up to $150 in statement credits each calendar year on rideshare purchases – up to $12 per month from January to November and up to $18 in December. Enrollment required.
• Up to $100 in Avis/Budget Car Rental Credits: Earn up to $100 in United^® TravelBank cash each anniversary year – get $50 after each of your first two eligible Avis or Budget rentals booked through (cars.united.com)[https://cars.united.com/#/searchcars] with your United Club℠ Card.
• Up to $240 Instacart Credit: Earn up to $240 in statement credits annually – get two $10 credits each month on Instacart purchases when you pay with your United Club℠ Card. Ends 12/31/27.
• $200 JSX Credit: Get up to $200 in statement credits each anniversary year on flights booked directly with JSX using your United Club℠ Card.
• Up to $120 Global Entry, TSA PreCheck^®, or NEXUS Credit: Receive a statement credit (up to $120 every four years) as reimbursement for your Global Entry^®, TSA PreCheck^®, or NEXUS application fee.

Lounge Access

• United Club Membership: Enjoy United Club access worldwide for you and eligible travel companions – a benefit valued at $750+ per year.
• United Club All Access Membership: Unlock All Access by reaching Premier Gold status or spending $50,000 annually. Includes entry for you and up to two adult guests (or one adult guest plus dependent children) at United Club and Star Alliance lounges.
• United Club One-Time Passes: Earn four United Club one-time passes each year starting on your first anniversary when you have United Club All Access membership and an authorized user.

Travel Benefits

• Free Checked Bags: The Primary Cardmember and one companion receive the first and second checked bags free, saving up to $360 per round trip.
• Premier Access^® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges where available.
• 25% Inflight & Lounge Savings: Get 25% back as a statement credit on eligible food, beverages, and Wi-Fi purchases on United-operated flights, plus Club premium drinks.
• Premier Upgrades on Award Tickets: Cardmembers with MileagePlus^® Premier^® status and one companion on the same reservation are eligible for complimentary Premier Upgrades on select United^® and United Express^® award flights, subject to availability.
• Avis President’s Club: Complimentary enrollment offering benefits such as two-car class upgrades, guaranteed availability, expedited rental service, and more.
• Renowned Hotels & Resorts Benefits: Enjoy premium perks when booking through Renowned Hotels and Resorts, including a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and room upgrades with early check-in and late checkout (when available).

Hotel Elite Status

• IHG One Rewards Platinum Elite Status: Enjoy automatic Platinum Elite status with benefits like room upgrades, late checkout, and bonus points on stays.

Airline Elite Status - United MileagePlus^® Premier^® Status

• Premier Qualifying Points (PQP): Earn 1 PQP for every $15 spent, up to 28,000 PQP per year. PQP count toward United MileagePlus^® Premier status (up to Premier 1K^®).
• 1,500 Bonus PQP: Get 1,500 bonus PQP each year to help qualify for United Premier status faster.

Travel Protections

• Trip Cancellation & Interruption Insurance: Get reimbursed up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable fares if your trip is canceled or interrupted due to covered reasons like illness or severe weather.
• Baggage Delay Insurance: Get reimbursed up to $100 per day for up to 3 days for essential purchases if your baggage is delayed more than 6 hours.
• Lost Luggage Reimbursement: Get up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
• Trip Delay Reimbursement: If your trip is delayed by more than 12 hours or requires an overnight stay, you can be reimbursed up to $500 per traveler for expenses like meals and lodging.
• Auto Rental Coverage: Get reimbursement for theft and collision damage when you decline the rental company’s coverage and pay in full with your card. Coverage is primary and provides reimbursement up to $60,000.
• Emergency Evacuation & Transportation: Get up to $1,000,000 in coverage for emergency evacuation and transportation if you become seriously ill or injured during a covered trip. Includes up to $1,000 for repatriation of remains. Coverage applies when you pay for all or part of your trip with your card or rewards.
• Travel Accident Insurance: Receive up to $500,000 in coverage for accidental death or dismemberment while traveling on a common carrier when you pay with your card.

Travel & Emergency Assistance

• Roadside Assistance: Get help with towing, battery jump-starts, tire changes, locksmith services, or fuel delivery, up to $50 per incident, up to 4 times per year.
• Travel & Emergency Assistance: Access to emergency referral and coordination services while traveling (service referrals only; costs not covered).

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.
• Extended Warranty: Extends warranty coverage by one additional year on original eligible warranties of three years or less, up to $10,000 per claim and $50,000 per year.

Lifestyle Perks

• Visa Infinite^® Concierge: Access 24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.
• Instacart+ Membership: Get complimentary Instacart+ with $0 delivery fees on eligible orders. Ends 12/31/27.

Convenience Features

• Digital wallet compatible: Apple Pay^®, Google Pay™, Samsung Pay.

Nice Extras

• Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.

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Buy Now, Pay Later Options

• Chase Pay Over Time^®: Split eligible purchases into fixed monthly payments with no interest, just a fixed monthly fee shown upfront.

Terms and Conditions

• Click Apply Now to see the terms and conditions.