United Club℠ Card
The United Club℠ Card from Chase earns up to 2.4% effective value on dining in Madeen's catalog snapshot. Its annual fee is $695. New applicants may see: Earn up to 110,000 bonus miles + 3,000 Premier qualifying points (PQP): earn 100,000 bonus miles + 3,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2.4%
- Annual fee
- $695
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the United Club℠ Card earn in each category?
Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2.4% effective value (2x miles at about 1.2 cents each). That dining rate ranks higher than about 63% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 2.4% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.2% |
| Gas Gas stations and fuel | 1x miles | 1.2% |
| Travel Flights, hotels, transit | 2x miles | 2.4% |
| Other General everyday spend | 1x miles | 1.2% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the United Club℠ Card reward caps and conditions?
The United Club℠ Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 2 miles per $1 spent on dining including eligible delivery services
- 2 miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls
Who should get the United Club℠ Card?
The United Club℠ Card fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
United Club℠ Card fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 63% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $695 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2.4% effective (2x miles).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $695 annual fee requires enough spend in bonus categories to offset.
- United MileagePlus value depends on how you redeem, not straight cash back.
Does the United Club℠ Card have an annual fee, and what's the welcome bonus?
The United Club℠ Card has an annual fee of $695 and a foreign transaction fee of None. New applicants may see: Earn up to 110,000 bonus miles + 3,000 Premier qualifying points (PQP): earn 100,000 bonus miles + 3,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles.
- Annual fee
- $695
- Foreign transaction fee
- None
- Signup bonus
- Earn up to 110,000 bonus miles + 3,000 Premier qualifying points (PQP): earn 100,000 bonus miles + 3,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
What travel perks does the United Club℠ Card include?
The United Club℠ Card includes Trusted traveler credit, Lounge access, Free checked bag, 10% Discount on United Economy Saver Awards Within the Continental U.S. and Canada and more in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
- Trusted traveler creditGlobal Entry or TSA PreCheck® Fee Credit up to $120 every 4 years - Receive a statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck
- Lounge accessUnited Club Membership – up to a $650 value per year - United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks. Before you fly, you, as the primary Cardmember, and your eligible travel companions will enjoy access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.*Same page link to Offer Details For an updated list of United Club locations and any temporary closures, please visit united.com.
- Free checked bagFree first and second checked bags – savings of up to $320 per roundtrip - The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card.
What benefits come with the United Club℠ Card?
- 10% Discount on United Economy Saver Awards Within the Continental U.S. and Canada
The primary Cardmember will be eligible to book award flights in United Economy on United or United Express with 10% fewer miles.
- 25% back on United inflight and Club premium drink purchases
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Club℠ Infinite Card.
- Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
- Auto Rental Collision Damage WaiverIncluded with Visa Infinite®
When you use your covered Visa card to rent a vehicle, you’ll get built-in Auto Rental Coverage. You can be covered for physical damage, theft, reasonable and customary towing and loss-of-use charges. Decline the Collision Damage Waiver coverage offered by the rental agency and make sure your name is listed as the primary renter on the auto rental contract.
- Avis President's Club®
The primary Cardmember of the United Club℠ Card is invited to enroll in Avis President's Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more. To enroll, please visit
- Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
- Booking.comIncluded with Visa Infinite®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Common questions about the United Club℠ Card
Does the United Club℠ Card have an annual fee?
The United Club℠ Card carries an annual fee of $695 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the United Club℠ Card?
Dining is the strongest Madeen category for the United Club℠ Card at about 2.4% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the United Club℠ Card charge foreign transaction fees?
The United Club℠ Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the United Club℠ Card welcome bonus?
The United Club℠ Card welcome offer in our snapshot: Earn up to 110,000 bonus miles + 3,000 Premier qualifying points (PQP): earn 100,000 bonus miles + 3,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first.
Is the United Club℠ Card annual fee worth it?
Whether the $695 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the United Club℠ Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the United Club℠ Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the United Club℠ Card compare to similar cards?
Compare the United Club℠ Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
United Club℠ Card This card | Dining | 2.4% | $695 |
Chase | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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