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At a glance

4x
4x miles on United® purchases
2x
2x miles on dining and all other travel
1x
1x mile on all other purchases

Earn 90,000 bonus miles

Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Ongoing Purchases APR

20.49% - 28.99% Variable

Ongoing Balance Transfer APR

20.49% - 28.99% Variable

Ongoing Cash Advance APR

29.24% Variable

Ongoing Penalty APR

Up to 29.99%
$695
740-850Excellent
  • Limited-Time Offer: Earn 90,000 bonus miles
  • 4x miles on United® purchases

Our Take

TPG Editor‘s Rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3/5

Overview

The United Club Card might charge a high annual fee, but it comes with the premium perks to match. Chief among them is United Club membership, which includes access to the airline’s airport lounges as well as those of some of its Star Alliance partners. But cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags and even a Global Entry/TSA PreCheck application fee credit worth up to $120 once every four years.
Read the full review

Pros

  • Earn 4 miles per dollar spent on United purchases; 2 miles per dollar spent on travel and dining; 1 mile per dollar spent on everything else
  • United Club membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
  • Up to $120 statement credit for Global Entry/TSA Precheck application every four years
  • Free first and second checked bags for you and one travel companion on the same reservation
  • 25% inflight statement credit on eligible purchases

Cons

  • High $695 annual fee

Who is this card good for?

This card is tailor-made for United loyalists. It comes with access to upscale United Clubs at airports, free checked bags, priority boarding and priority services at the airport. If you’re a United fan and frequently fly with the airline, the United Club Card is likely worth having.

Earning Rewards

The United Club Card accrues 4 miles per dollar spent on United purchases and 2 miles per dollar spent on all other travel purchases and dining, including eligible delivery services. Additionally, all other purchases earn a flat rate of 1 mile per dollar spent.