United Club℠ Card
This card is a lounge membership with a credit card attached. United Club access for you and a guest, first and second checked bags free, and Premier Access treatment cover the frequent flyer basics, while $925 plus in partner credits chips away at the $695 fee. If you are not in a United Club at least monthly, the Quest card is the smarter buy.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- United Club membership for you and a guest, valued by Chase at $750+ a year
- Up to 90,000-mile welcome offer
- Free first and second checked bags, up to $440 back per roundtrip by Chase's math
- Premier Access priority through check-in, security, boarding and baggage
- 1,500 bonus PQP a year and the fastest PQP earn rate in the lineup at 1 per $15
- IHG One Rewards Platinum Elite status while you hold the card
- Up to $120 Global Entry, TSA PreCheck or NEXUS credit every 4 years
- Annual fee: $695
- Purchase APR: 19.74% - 28.24% Variable
- Intro APR: N/A
- Balance transfer APR: 19.74% - 28.24% Variable; fee: Either $5 or 5% of each transfer, whichever is greater
- Cash advance APR: 28.49% Variable; fee: Either $10 or 5% of each transaction, whichever is greater
- Late payment fee: Up to $40
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You are in United hubs often enough to use the Club at least monthly; the membership alone approaches the fee
- You and a companion both check bags; the second-bag benefit compounds fast
- You spend heavily and want PQP at the lineup's best rate of 1 per $15
- Your Instacart, JSX and rideshare spending lets the $925+ credit stack actually land
- You should skip it if lounge visits are rare; Quest delivers most of the travel value at half the fee
United Club℠ Card Review
The United Club℠ Card, formerly marketed as the United Club℠ Infinite Card, bundles a full United Club membership with United's richest consumer earning rates. This review tests whether the $695 fee clears for your travel pattern.
How You Earn
The 11x total rate on United flights is the highest in United's consumer lineup, and 5x extends to United purchases and Renowned Hotels.
- Up to 90,000-mile welcome offer
- 1,500 bonus PQP a year plus 1 PQP per $15 spent
| Category | Earn rate |
|---|---|
| Eligible United flights (total incl. member miles) | 11x miles |
| Other eligible United purchases | 5x miles |
| Renowned Hotels stays | 5x miles |
| Other travel | 2x miles |
| Dining | 2x miles |
| All other purchases | 1x miles |
How You Redeem
Miles route through MileagePlus like every United card; the Club card adds award discounts on top.
- United and Star Alliance award flights
- 10,000-mile award flight discounts up to twice a year
- Upgrades and extras through MileagePlus
Benefits and Protections
This is United's kitchen-sink card: lounge, bags, priority handling, hotel status and Visa Infinite grade protections.
- United Club membership for you and a guest
- Free first and second checked bags
- Premier Access travel services
- IHG One Rewards Platinum Elite status
- Up to $120 Global Entry, TSA PreCheck or NEXUS credit every 4 years
- Partner credits: up to $240 Instacart, $200 Renowned Hotels, $200 JSX, $150 rideshare, $100 Avis and Budget
- Trip cancellation, baggage and auto rental protections
Who This Card Is For
Weekly and near-weekly United flyers who live out of the Club. For them the fee disappears into the membership; for everyone else it does not.
- United Club regulars in hub cities
- Two-traveler households checking four bags a roundtrip
- High spenders converting purchases into Premier status
Comparison
| Feature | United Club℠ Card | Delta SkyMiles® Reserve American Express Card | Citi® / AAdvantage® Executive World Legend Mastercard® |
|---|---|---|---|
| Annual Fee | $695 | $650 | $695 |
| Welcome Offer | Up to 90,000 miles | 50,000 miles + 2 Comfort certificates | 125,000 miles ($15,000 in 5 mo) |
| Rewards Rate | 11x total United flights, 2x travel, dining | 3x Delta, 1x other | Miles on AA and everyday spend |
| Intro APR | N/A | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | United Club membership | Delta Sky Club visits (15 per year) | Admirals Club membership |
Issuer Comparison
| Feature | United Club℠ Card | United Quest℠ Card | United℠ Explorer Card |
|---|---|---|---|
| Annual Fee | $695 | $350 | $0 intro first year, then $150 |
| Welcome Offer | Up to 90,000 miles | Up to 70,000 miles + 500 PQP | Up to 60,000 miles |
| Rewards Rate | 11x total United flights, 2x travel, dining | 10x total United flights, 2x travel, dining | 9x total United flights, 2x hotels, dining |
| Key Credits | United Club membership, $925+ partner credits | $200 United credit, two 10,000-mile discounts | 2 Club passes, $100 GE credit, partner credits |
| Best For | United Club regulars | Regular United flyers | Occasional United flyers |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.