Is the United MileagePlus Club card worth it? | October 2018

Review: United MileagePlus® Club card – October 2018

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Fly in style with United Airlines’ flagship credit card.

  • Get this card if… you’re a hardcore United flyer.
  • Pick something else if… you only fly United once in a while or you don’t fly with the carrier at all.
  • Recommended good to excellent credit score of 680 or higher.
Product NameUnited MileagePlus® Club card
Card TypeVisa
Annual Fee$450
APR (Annual Percentage Rate) for Purchases17.74% to 24.74% variable
Balance Transfer Fee$5 or 5% of the transaction, whichever is greater
Cash Advance Rate26.74% variable
Foreign Transaction FeeNone
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 21 days
Late Payment FeeUp to $37
Returned Payment FeeUp to $37
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age
Welcome Offer50,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.
Reward Value per Dollar1.5 miles
Rewards Points ExpiryNever

The Basics

The Review: United MileagePlus® Club card might be worth getting even if you’re not a frequent United flyer. But the Club card is best recommended for United loyalists, especially given it’s fee of $450 a year.
Earn 2 miles per $1 spent on tickets purchased from United. And unlike other United cards, you’ll earn 1.5x miles on everything else you buy, instead of just 1x. You’ll also get two checked bags free for you and a companion on each flight. Add in complimentary Premier Access that gives you priority check-in, dedicated security screening and more, and you’ll really start liking your expanded privileges on United flights.

One of the biggest benefits you’ll receive is the card’s complimentary United Club membership. It’s a significant value that gives you access to the carrier’s airport lounges, which costs non-cardholders $59 a day or $550 a year.

You’ll also get a complimentary bump to Discoverist status in the World of Hyatt loyalty program. Benefits include free premium internet and room upgrades.

United MileagePlus® Club card vs. Delta Reserve

The Delta Reserve Credit Card is Delta’s top-tier card, which will also set you back $450 a year. Similarly to the United MileagePlus® Club card, it offers perks like priority boarding and complimentary access to its respective airport lounges. However, it ups the ante with a free annual round-trip companion certificate for a first-class or main cabin flight. This certificate can easily be worth a few hundred dollars a year.

To be fair, the United MileagePlus® Club card has better hotel perks, like complimentary Discoverist status in World of Hyatt. It also offers more free checked bags — two versus one for the Delta Reserve.

In the end, it’s tough to pick a winner: It all comes down to what you value in an airline card. Of course, your decision is a no-brainer if you fly one airline much more than the other.

The Perks

  • SIGNUP BONUS: Statement credit.
    You’ll receive a $100 statement credit after you make your first purchase.
  • MILES: More miles on United ticket purchases.
    Earn 2x miles on tickets you purchase from United. Earn 1.5x miles on everything else you buy.
  • Complimentary United Club membership.
    You and your travel companions will receive complimentary entry to all United Club locations and select Star Alliance lounges. (A one-time pass costs $59.)
  • Premier Access benefits.
    The United MileagePlus® Club card offers complimentary Premier Access. This includes priority boarding, exclusive airport check-in lines, dedicated security lines and priority baggage handling.
  • United perks.
    On each flight, you and one companion can each check two bags free. Enjoy no close-in fees when you use miles to book flights.
  • Complimentary status upgrade in the World of Hyatt program.
    You can receive a free upgrade to the Discoverist tier in the World of Hyatt program. Perks include complimentary premium internet, late checkout and room upgrades.
  • Hotel benefits.
    Enjoy room upgrades, complimentary breakfast and other amenities at select resorts around the world.

You’ll also like …

  • Miles boost. Each year you spend $25,000 or more on your card, you’ll receive 10,000 miles.
  • No foreign transaction fees. Use your United MileagePlus® Club card internationally with no transaction fees.
  • Travel and purchase coverage. Enjoy benefits like baggage delay insurance, lost luggage reimbursement, trip cancellation insurance, trip delay reimbursement and auto rental collision damage waiver. Also get purchase, return and price protection — on top of extended warranties — on your purchases.
  • Chase Inside Access. You’ll have access to special events such as private culinary events and celebrity meet-and-greets.
  • Access to Visa Concierge. Use the Visa Signature Concierge to make plans for dining and entertainment.

What to watch out for

  • It hurts to pay late. Making late or returned payments could result in fees as high as $37.

Consider other cards if …

Compare travel credit cards

<h3 class=”header-sideline”>Compare travel credit cards</h3>

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
1 points
None (Charge Card)
$550
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1 points
See Rates & Fees
$250
25,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
2 points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new Card within the first 3 months of Card Membership. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new Card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
3 points
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the Card within your first 3 months of Card Membership. Rates & Fees
10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
1 miles
17.74% to 26.74% variable
$0
Earn 10,000 Bonus Miles after spending $500 in purchases on your new Card in your first 3 months of Card Membership. Rates & Fees
30,000 Bonus Miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1 miles
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
1 points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.99% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2 points
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
1.5 points
16.99% to 24.99% variable
$0
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1 points
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Earn 50,000 bonus points - a $500 value - after spending $3,000 in the first 90 days of account opening
1.5 points
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1 points
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
2 miles
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
1 miles
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.* Plus a $100 statement credit after your first purchase.
40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open
1 points
17.74% to 24.74% variable
$99
40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open

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 (or 19 in Alabama and Nebraska).

Information you’ll need

  • Full name
  • Address and residential status
  • Annual income, source of income and employment information
  • Contact information
  • Social Security number and mother’s maiden name

What credit score do I need?

You’ll have a better chance of being approved for the United MileagePlus® Club card if you apply with a good to excellent credit score of 680 or higher.

How to apply for the United MileagePlus® Club card

1. Go to the Chase website and click Apply Now.

step 1 United MileagePlus Club card

2. Complete the application with information like your name, address, annual income and Social Security number. Then review your application and submit it.

step 2 United MileagePlus Club card

How long will it take to be approved?

Because conditional approval is automated on the Chase website, you’ll often get a decision immediately. In some cases, you’ll need to wait a few days to a few weeks to receive a response.

I got the card. Now what?

  • Making payments. You can pay your card bill online at the Chase website. You can also enroll in auto pay.
  • Avoiding interest payments. After the close of each billing cycle, you have a grace period of 680 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoiding fees. Late and returned payments come with hefty fees of up to $37. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, you can contact Chase support at 1-800-432-3117, log in to your account to send a secure email or find support on Twitter @ChaseSupport.

Bottom line

The MileagePlus Club card is for frequent United flyers who want to earn rewards on travel related purchases and get access to perks to help them fly in style.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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