United Club Card
Chase · Personal card · Checked against Chase's terms Oct 26, 2026
The United Club earns 5x United MileagePlus miles at United Airlines; 2x United MileagePlus miles on travel, on transit and at restaurants; and 1x United MileagePlus miles on everything else. $695 a year. earnrate counts United MileagePlus miles at 1¢ each; transferring to airlines or hotels can be worth up to about 1.2¢.
Where it's the best card
United Airlines (5%)
Earning rates
- 5United Airlines 5x United MileagePlus miles
Tickets, seat upgrades, Economy Plus, inflight food, drinks and Wi-Fi, bag fees and other United fees bought from United. Not United Cruises, MileagePlus X, DIRECTV or Merchandise Awards, or United tickets bought through discount travel sites or third-party packages. The advertised 11x on flights includes 6x MileagePlus flight miles, which aren't card earnings.“5x miles on all other eligible United purchases” creditcards.chase.com
- 5Renowned Hotels and Resorts (Chase Travel) 5x United MileagePlus miles
Prepaid hotel stays booked through Renowned Hotels and Resorts for United Cardmembers on Chase Travel. Bookings through FROSCH, Valerie Wilson Travel or Frosch International Travel don't earn 5x.“5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts” creditcards.chase.com
- 2Travel 2x United MileagePlus miles
Includes airfare, trains, cruise lines, hotels, car rentals and resorts.“2x miles on all other travel including airfare, trains, local transit, cruise lines, hotels, car rentals” creditcards.chase.com
- 2Transit 2x United MileagePlus miles
Chase's travel category on this card includes local transit, taxis, rideshare and tolls.“local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls” creditcards.chase.com
- 2Restaurants 2x United MileagePlus miles
Includes takeout and eligible delivery services.“2x miles on dining including eligible delivery services” creditcards.chase.com
- 1Everything else 1x United MileagePlus miles
“1x mile on all other purchases” creditcards.chase.com
Public welcome offer
90,000 United MileagePlus miles after $5,000 in purchases in 3 months, per the issuer's page. Offers vary by person and by how you apply. Up to 100,000 in total: plus 10,000 bonus miles after adding an authorized user in the first 3 months. Not available to current cardmembers of any United Club credit card, or previous cardmembers of any United Club credit card who received a new Cardmember bonus for this card within the last 24 months.
Sources
Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Chase's terms before you apply.