United Club℠: Premium Airline Travel with Lounge Access

Pros and Cons

Pros:

• Sign-up bonus
• Up to 11X miles on United purchases
• 5X miles on Renowned Hotels and Resorts
• No foreign transaction fees
• Statement credits
• Up to $120 Global Entry, TSA PreCheck^®, or NEXUS credit
• Complimentary United Club membership
• Free checked bags
• Premier Access^® travel services
• 25% inflight & lounge savings
• Premier upgrades on award tickets
• Avis President’s Club
• IHG One Rewards Platinum Elite status
• 1,500 premier qualifying points (PQP) per year toward elite status
• Travel protections
• Purchase protections
• Extended warranty coverage

Cons:

• The spending requirement for welcome bonus is higher than some other cards
• High annual fee
• No intro 0% APR
• Some statement credits require effort to maximize

Welcome Offer

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

Big4credit Tip: 5/24 Rule - Chase generally won’t approve your application if you’ve opened five or more credit card accounts (from any issuer, not just Chase) within the past 24 months. This rule applies regardless of your credit score or income.

Rewards

• Up to 11X Total 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.

Big4credit Tip: We recommend redeeming miles for Star Alliance award flights. You’ll typically get the best value from your United MileagePlus^® miles by redeeming them for award flights, especially business and first-class seats on Star Alliance partners such as Lufthansa, ANA, Singapore Airlines, and Air Canada. Booking United flights directly with miles is often a good option, but United’s dynamic pricing means the value of your miles can vary significantly. Before booking, compare the number of miles required with the cash price to make sure you’re getting good value. United MileagePlus^® miles typically provide significantly lower value when redeemed for merchandise, gift cards, or other non-travel rewards. For the best return, save your miles for 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 $440 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.

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.

Ratings

• Net Value & Cost Efficiency: 8/10
• Rewards & Earnings Power: 7.2/10
• Welcome Bonus Value: 9/10
• First-Year Earning Boost: 0/10
• APR & Interest Structure: 2.5/10
• Simplicity & Transparency: 7.2/10
• Perks, Benefits & Protections: 9.7/10
• Issuer Credibility & Stability: 8.1/10
• Installment & BNPL Features: 7/10
• Eligibility & Approval Accessibility: 5.5/10

Terms and Conditions

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