Chase · Public card profile
United Club Card
Review published reward categories, fees, recurring benefits, and source-dated offer history. Product terms can change; confirm current information with the issuer.
Last reviewed: September 12, 2026 · Current issuer destination
- Annual fee
- $695
- Card type
- Personal
- Market
- US
Published reward categories
5.00×
Airfare
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Direct channel required
5.00×
Hotels
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Portal channel required
2.00×
Dining
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
2.00×
Travel
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
1.00×
Other Purchases
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Published benefits
per-trip
First and Second Checked Bags Free
Primary cardmember and one companion on the same eligible United reservation each receive first and second standard checked bags free when requirements are met.
annual
Premier Access
Eligible cardmembers receive Premier Access airport services where available.
annual
United Club Membership
Includes United Club membership for the eligible primary cardmember, subject to access rules.
Independent information: CreditCardCompanion does not collect bank credentials or transaction history. Compensation never changes the factual card information shown, and approval is never guaranteed.
No compensation link is active for this card. Verify the current offer and complete terms directly with the issuer.
Renewal and alternatives
Renewal baseline: start with the $695 annual fee, then count only recurring rewards and benefits you expect to use. Welcome offers belong in a separate first-year calculation.
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Decision summary
Where this card may fit
Potential best uses
- 5.00× Airfare
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value. - 5.00× Hotels
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value. - 2.00× Dining
Issuer-published earning rate. Merchant coding, combined caps, booking channel, account eligibility and exclusions can affect realized value.
Cost and benefits
Start with the annual fee and count only benefits that replace normal spending.
3 recurring benefits currently catalogued.
Watch before choosing
- Direct booking or purchase channel required for Airfare.
- Portal booking or purchase channel required for Hotels.
- The $695 annual fee requires a recurring-value check.
Data status: reviewed September 12, 2026. Check official source. Approval is not predicted.