The United Club earns 2.0X on airlines, 1.5X on all_purchases with a $695 annual fee.
Our Verdict
The United Club is a points rewards card from Chase that carries a $695/yr on the visa network. At its core it earns 1.0X MileagePlus Miles on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Points enthusiasts will find the most flexibility with the United Club. MileagePlus Miles can be redeemed for travel, gift cards, statement credits, or transferred to loyalty partners. Cardholders who maximize transfer partners often extract 1.5–2+ cents per point, well above face value.
The $695/yr fee is the key variable — run the numbers against your actual spending. If the rewards and benefits offset the fee, this card earns its place in your wallet. If not, consider a comparable no-fee alternative.
Apply for the United Club →Rewards Structure
Fee Analysis
The United Club charges $695 per year. To justify this fee, you need to earn at least $695 in rewards and benefits annually.
Statement credits: $100 United Travel Credit ($100/yr). These credits total $100/yr, bringing the effective annual fee down to $595.
Premium cards like this typically pay for themselves through travel credits, lounge access, hotel status, and insurance protections. The fee is worth it if you actively use at least 2-3 of these benefits.
Where This Card Earns Bonus Rewards
| Category | MCC Code | Bonus Rate | Example Merchants |
|---|---|---|---|
| Airlines | 4511 Airlines, Air Carriers ( not listed elsewhere) | 2x | Aegean Airlines, Aer Lingus, Aeromexico, Air Arabia |
Click any MCC code or merchant name to see all cards that earn bonus rewards there.
Benefits
Effective Annual Fee
Strengths and Weaknesses
Strengths
- No foreign transaction fees
Weaknesses
- $695 annual fee
- 1X base rate on non-bonus spending
How to Apply
You can apply for the United Club directly through Chase's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision. Note that the $695 annual fee is typically not charged until your first statement closes.
Before applying, check if you are pre-approved on Chase's website — a pre-approval uses a soft pull and does not affect your credit score.