United MileagePlus® Club card review
Please note: This card has been discontinued, and it is not available on our site.
- Get this card if you’re a loyal United flyer and you’ll visit United Clubs often.
- Pick something else if you’re an occasional flyer. You might get more value out of United’s mid-tier card.
- Apply with a good to excellent credit score of 670 or higher.
Discontinued productThis card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.
How to apply for the United MileagePlus® Club card
- Go to the Chase website and click Apply now.
- Complete the application with information like your name, address, date of birth, Social Security number, annual income and contact information.
- Review your application and submit it.
- Signup bonus: 50,000 bonus miles after you make $3,000 in purchases within the first 3 months of card membership. According to the United website at the time of writing, this bonus is worth $650 when redeemed for flights.
If you earn the bonus, you could have enough miles for a few flights. Short-distance Saver Award flights within the continental US and Canada go for as low as 10,000 miles each way. Longer Saver Award flights start around 12,500 miles each way.
- United Club membership.
Access over 45 United Club airport lounges around the world. You can also enter any Star Alliance Business Class Lounge when you fly on a Star Alliance carrier. Each time you visit a United Club location, you can bring an adult guest plus your children under 21. Or, you can bring up to two guests. Normally, a United Club membership costs $650 a year. The United MileagePlus® Club card costs $450 a year, so it could be a great deal for airport-lounge access alone. Note that an annual membership costs $600 or 80,000 miles for flyers with Premier Platinum status, and $550 or 75,000 miles for flyers with Premier 1K status.
- Rewards: Up to 2x miles.
Earn 2x miles on tickets you buy from United. Earn 1.5x miles on all other eligible purchases. This is an attractive rate, as a typical credit card offers 1x miles as its base rate.
- United perks. You’ll find baggage perks, Premier Access benefits, no blackout dates for award flights and no close-in ticketing fees. There’s a notable omission: You won’t receive a 25% discount on eligible in-flight purchases, a perk you’ll find with United’s mid-tier option. Click the dropdown menu below to see more details about United perks you’ll receive.
- Premier Access travel services.
Get to your boarding gate faster with special airport check-in lines and security lanes. Your checked bags will be among the first to be delivered to the carousel at your destination airport. Also enjoy priority boarding on United and United Express flights. You’ll board in Group 2 — behind the Pre-Boarding group and Group 1, but before Groups 3 to 5. Normally, Premier Access starts at $15 per flight.
- Free first and second checked bags.
On each United-operated flight, you and one companion on the same reservation can each check your first and second bags at no extra cost.
- No blackout dates for award flights.
Enjoy unfettered access to award flights.
- No close-in fees for United award flights.
Normally, United charges $75 when you book an award flight fewer than 21 days before departure. This fee is waived when you book award travel with your MileagePlus number.
Is the annual fee worth it?
The United MileagePlus® Club card has an annual fee of $450.
According to the United website, miles are worth 1.3 cents each when redeemed for flights. Through rewards alone, you’d need to earn 34,616 miles to break even.
|Categories||Rewards rate||How much you need to spend|
|United ticket purchases||2x miles||$17,308|
|Other purchases||1.5x miles||$23,078|
Here’s how your rewards might look for spending in a mix of categories:
Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
Among United’s cobranded credit cards, the United MileagePlus® Club card is the premium option — with an equally premium annual fee.
For many travelers, the card’s biggest draw is the United Club membership. This normally costs $550 a year, so you could find a valuable deal in the card if you frequent United Club lounges.