Chase
United Club Card
Estimated value every year on typical spending
$73/ year
Every year, after the annual fee. Year one adds a $1,100 welcome bonus: $1,173
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Credits & perks, at estimated real use: Annual partner credits (not counted) · Hotel credits $200 → $100 · Rideshare credits $150 → $53 · United travel credits $100 → $35 · Instacart credits $240 → $84 · JSX credits $200 → $100
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Chase United Club Card returns about $768 a year in rewards and usable credits, which covers its $695 fee with $73 to spare. The welcome bonus adds roughly $1,100 in the first year.
The fine print
- Intro APR
- Not listed
- Regular APR
- 19.99% to 28.49% variable
- Foreign fee
- Not specified
- Top perk
- Unlimited United Club access for you and a guest
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 11x total miles on eligible United flights
- 5x miles on all other eligible United purchases
Sign-up bonus
100,000 bonus miles after qualifying activities.
Best for
- Travelers who redeem points
- Perk-seekers who travel often
Not ideal for
- Light or occasional spenders
- People who want plain cash back
- Thin or new credit files
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $695
- Intro APR
- Not listed
- Regular APR
- 19.99% to 28.49% variable
- $400/mo on dining earns about $106/year (2.2x).
- $1200/mo on everyday spending earns about $158/year (1.1x).
- The $695 fee pays for itself at about $4830/mo on dining.
- You come out ahead of a no-fee 1% card after about $57900/year of dining spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
United Club Card: questions people ask
Is the Chase United Club Card worth it?
On typical spending the Chase United Club Card returns about $768 a year in rewards and usable credits, which covers its $695 fee with $73 to spare. The welcome bonus adds roughly $1,100 in the first year.
What is the Chase United Club Card annual fee?
The Chase United Club Card has a $695 annual fee. On typical spending its rewards and usable credits come to about $768 a year, so it nets about $73 after the fee.
What is the Chase United Club Card welcome bonus?
Earn up to 100,000 bonus miles after qualifying activities. We value it at about $1,100. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Chase United Club Card earn?
11x total miles on eligible United flights. 5x miles on all other eligible United purchases.
What credit score do you need for the Chase United Club Card?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Chase United Club Card charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Chase product page. Terms change often; confirm them with the issuer before you apply.