We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

United MileagePlus® Club card review

Last updated:  

If you visit United Club lounges often, this card could be a steal.

  • 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.


Miles as welcome offer

Up to 2x



Annual fee

17.99% to 24.99%

Purchase APR (variable)


Product NameUnited MileagePlus® Club card
Card typeVisa
Annual fee$450
Purchase APR17.99% to 24.99% variable
Balance transfer APR17.99% to 24.99% variable
Balance transfer fee$5 or 5% of the transaction, whichever is greater
Cash advance rate26.49% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 21 days
Late payment feeUp to $38
Returned payment feeUp to $38
Additional cardholder fee$0
Rates & feesrates & fees

Expert review

Kevin Joey Chen

Review by

Kevin Joey Chen is a credit cards, banking and investments writer who has written nearly 500 Finder articles. He's passionate about helping you get your finances in order and expertly navigate the cutting-edge financial tools available -- including credit cards, apps and budgeting software.

Expert review

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.

Another premium credit card

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn more.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms apply.
Read less
Read more
See Rates & Fees

Differences with the United℠ Explorer Card

Here are a few notable benefits you’ll find with the United MileagePlus® Club card but not the United℠ Explorer Card, and vice versa.

United MileagePlus® Club cardUnited℠ Explorer Card
  • United Club membership
  • 1.5x miles on all eligible purchases
  • Your first two checked bags free on each United and United Express flight
  • No close-in ticketing fees on United flights
  • Hertz President’s Circle Elite Status
  • Price protection and return protection
  • Two one-time United Club passes each card year
  • 2x miles at restaurants and on hotel stays booked directly with the hotel
  • 2x miles on purchases from United, not just flights
  • 25% discount on eligible in-flight purchases
  • $100 credit for your Global Entry or TSA PreCheck application fee

Is the United MileagePlus® Club card worth its fee?

If you’re an occasional traveler, you’re unlikely to take full advantage of the card’s United Club membership or checked-baggage perk. Consider a mid-tier card instead and benefit from a lower annual fee and perks suited to the casual flyer.

But if you’re a frequent flyer, the card’s United Club membership might be a steal. And though you’ll find a few of its benefits with the United℠ Explorer Card, the United MileagePlus® Club card‘s airline perks can be invaluable for the right type of traveler.

The perks

  • 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 $550 a year, plus a $50 initiation fee. The United MileagePlus® Club card costs $450 a year, so it could be a great deal for airport-lounge access alone.
  • 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.

How to earn United miles

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.

Here’s how your rewards might look for spending in a mix of categories:
This spending would yield the 34,616 miles you need to break even on your annual fee.

United MileagePlus® Club card benefits: An easier way to get value from your annual fee

As you can see above, it could be difficult to break even on your annual fee through miles alone. It’s easier to get value from your card through its benefits. For example:

You’d get $1,625 of value from these benefits. This doesn’t include potential value from benefits like travel insurance, purchase protection or The Luxury Hotel & Resort Collection stays.

You’ll also like …

  • The Luxury Hotel & Resort Collection.
    Use your card to book a stay at a property in The Luxury Hotel & Resort Collection. Your reservation comes with early check-in, late checkout upon availability, free Wi-Fi, complimentary daily breakfast for two and a unique perk depending on the property.
  • Hertz President’s Circle Elite Status.
    As a cardholder, you can join Hertz Gold Plus Rewards President’s Circle. This is Hertz’s highest loyalty tier.You’ll receive benefits like upgrades, a 50% point bonus on eligible earning activity, a four-month CLEAR trial, point transfers to eligible travel partners and a dedicated phone support line.
  • Inside Access experiences.
    As a card member, you can access unique experiences.

Inside Access lets you join experiences like these …

  • Sqirl with Chef Jessica Koslow: $100 per person.
    Chef Koslow will curate specialty dishes for guests of this private dinner.
  • Ski with Champions Lindsey Vonn and Jonny Moseley in Vail: $100 to $1,000 per person.
    Join the ski champions for a private buffet dinner and Q-and-A session. The following day, you’ll ski with both of them. In the evening, Jonny will host an après-ski event.
  • Super Bowl packages: $6,290 to $12,140 per person.
    Enjoy a special pregame party with refreshments before you attend the big game. You’ll also receive a VIP ticket to The Super Bowl Experience and access to the Bud Light Super Bowl Music Fest Concert.
  • United MileagePlus events.
    Redeem rewards for sporting experiences, upgraded hospitality for golf events, live-theater experiences and more.
  • No foreign transaction fees.
    With most non-travel credit cards, you’ll pay a fee when you use your card abroad or at a foreign website. You won’t encounter that fee with this travel card.
  • Visa Signature Concierge.
    Call the concierge service anytime for help with dining reservations, gift-finding, obtaining tickets to shows and more.
  • Travel and purchase coverage.
    Use your card and qualify for a suite of protection and insurance.

What to watch out for

  • Annual fee: $450.
    You might find the bulk of this card’s value from its United Club membership. That said, it’s geared toward frequent United flyers.
  • Elevated rewards only on United flights.
    While it has a solid base rewards rate, you might wish for elevated rewards in more categories, such as dining or groceries.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
30,000 points after spending $2,000 in the first 3 months
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees
30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
See terms
See terms
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining and 1x points on all other purchases
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.

Compare up to 4 providers

What should I know before I apply?

To apply for the United MileagePlus® Club card, you must be at least 18 years old, 19 in Alabama and Nebraska or 21 in Puerto Rico.

Information you’ll need

  • Full name
  • Mailing address and residential status
  • Date of birth, mother’s maiden name and Social Security number
  • Total gross annual income and employment information
  • Email address and phone number
  • Optional: MileagePlus number

What do customers say about the United MileagePlus® Club card?

Some cardholders say that, beyond the United Club membership, there’s not much more to the United MileagePlus® Club card compared to the United℠ Explorer Card. However, other customers say they find United Club access extremely valuable — especially as United has upgraded many of its lounges.

JPMorgan Chase Credit Card isn’t accredited by the Better Business Bureau (BBB), but it has an A+ rating from the agency. The bank has over 2,100 customer complaints, most of which have been resolved or answered according to the BBB.

An in-depth comparison of the top- and mid-tier United credit card options could help you get the most for your money.

How to apply for the United MileagePlus® Club card

  1. Go to the Chase website and click Apply now.
  2. Complete the application with information like your name, address, date of birth, Social Security number, annual income and contact information.
  3. Review your application and submit it.

I got the card. Now what?

  • Make payments. You can pay your card bill online at the Chase website. You can also enroll in autopay.
  • Avoid interest payments. After the close of each billing cycle, you have a grace period of 21 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees of up to $38. Balance transfers and cash advances also come with fees.
  • Contact customer service. If you have questions, you can contact Chase support at 800-432-3117, log in to your account to send a secure email or find support on Twitter @ChaseSupport.

How do I redeem miles from the United MileagePlus® Club card?

All miles earned during each billing cycle will be automatically transferred to your MileagePlus account at the end of the period.

You can redeem your miles on the United website by logging in to your MileagePlus account. Here are some redemption options:

  • Flights
  • Hotel stays
  • Cruises
  • Car rentals
  • United Club membership
  • Gift cards
  • Merchandise
  • Experiences
  • United Wi-Fi
  • TSA PreCheck application
  • Transfers or donations
  • Dining at select airports
  • Magazines and newspapers
  • Dining gift cards, discounts and certificates

For a good redemption rate, look for flights

According to our valuation at the time of writing, United miles are worth 1.3 cents each on average when redeemed for flights.

Other redemption options may yield lower rates. For example, redeeming United miles for hotel stays usually gives a per-mile average of 0.7 cents.

How to redeem United miles

Bottom line

For most travelers, the bulk of the United MileagePlus® Club card‘s value will come from the United Club membership.

For that benefit alone, the card could be worth paying for. But this depends on how often you fly. Consider another travel credit card if you only travel occasionally. If you’re a frequent flyer, however, you could get fantastic value from this premium United product.

Frequently asked questions


Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site