United MileagePlus Club Card Review: Big Annual Fee, Rewards Flyers

This United Club Card includes airport lounge access.

Get premium travel benefits with the United MileagePlus Club Card from Chase. This United Airlines credit card gives you United Club membership, Premier Access and two free checked bags on every flight for you and a companion. You’ll also earn 1.5 miles per $1 spent on all purchases.

Keep reading this review to find out if this United MileagePlus credit card is the best travel credit card for you.

United MileagePlus Club Card at a Glance
APR 17.74% to 24.74% variable APR 
Intro APR N/A
Annual Fee $450
Foreign Transaction Fee None
Rewards 1.5 miles per $1 spent on purchases; 2 miles per $1 spent on United ticket purchases
Sign-Up Bonus 50,000 bonus miles after you spend $3,000 on purchases in the first three months from account opening 
Pros United Club membership (up to a $550 value) is included; two free checked bags on every United flight for two people (up to $240 value per round trip)
Cons No intro APR; high annual fee; rewards are only good for United flights 

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In this review:

What You Need to Know About the United MileagePlus Club Card

The United MileagePlus Club Card comes with premium United perks, allows you to earn rewards miles for flights and also comes with a variety of travel benefits and protections.

Best for: People who frequently fly on United and want United Club access

Related: Chase Credit Card Comparison — How the Sapphire Reserve Card Stacks Up

Best Features of the United MileagePlus Club Card

The biggest perk of the United MileagePlus Club Card is the United Club membership. The cost of a United Club membership ranges from $450 to $550 depending on your MileagePlus status, plus a $50 initiation fee, so the $450 annual fee is less than the cost of membership, plus cardholders get additional perks as well. Other features of this Chase card include:

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  • Rewards miles on all purchases
  • Travel benefits
  • No foreign transaction fee
  • Travel and purchase coverage

Read: Best Credit Cards With No Foreign Transaction Fees

United MileagePlus Club Card Travel Benefits

In addition to free checked bags and United Club access, this United Club credit card comes with a number of exclusive travel benefits including:

  • Premier Access travel services
  • Redeem rewards miles for travel on United and other Star Alliance partner airlines, upgrades, in-flight WiFi, hotel stays, car rentals, merchandise, gift cards and events
  • No close-in award booking fees on United tickets
  • Premier upgrades on award tickets
  • World of Hyatt Discoverist status
  • Hertz President’s Circle Elite status
  • Perks at the Luxury Hotel & Resort Collection properties
  • Exclusive Inside Access and United MileagePlus events

Check Out: The Top 10 Most Exclusive Black Cards You Don’t Know About

United MileagePlus Club Card Travel and Purchase Coverage

In addition to the travel benefits listed above, cardholders of this United credit card will get coverage in the case of travel incidents and protection on their purchases. These benefits include:

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  • Auto rental collision damage waiver
  • Baggage delay insurance of up to $100
  • Lost luggage reimbursement of up to $3,000 per passenger
  • Trip cancellation/interruption insurance of up to $10,000
  • Trip delay reimbursement of up to $500
  • Purchase protection on new purchases for up to $10,000
  • Price protection
  • Return protection
  • Extended warranty protection
  • Visa Concierge service

See: Hidden Credit Card Benefits You Didn’t Know Existed

Should You Apply for a United MileagePlus Club Card?

The United MileagePlus Club Card comes with a hefty annual fee, but it’s less than the cost of a United Club membership, so it would benefit those who want lounge access. Cardholders also get rewards miles and additional travel benefits, and an attractive credit card offer with the potential to earn 50,000 bonus miles when opening an account. However, this card wouldn’t make much sense for people who don’t really care about airport lounge access, and for people who don’t often fly United.

Click through to compare the credit cards for United Airlines.

More on Credit Cards

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article. All fees and rates are subject to change at the issuers’ discretion. Some interest rates might be short-term or promotional offers only, and it is possible additional terms and conditions must be met in order to obtain the interest rates listed. Rates and availability might vary by region. Verify terms and conditions before opening an account. 

About the Author

Gabrielle Olya

Gabrielle joined GOBankingRates in 2017 and brings with her a decade of experience in the journalism industry. Before joining the team, she was a staff writer-reporter for People Magazine and People.com. Her work has also appeared on E! Online, Us Weekly, Patch, Sweety High and Discover Los Angeles, and she has been featured on “Good Morning America” as a celebrity news expert. 

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