Miles · Visa · $695 annual fee
Last verified 2026-09-09. Review issuer source
Chase United Club Card is a $695-a-year miles card from Chase. Its best everyday rates are 2x on dining, 2x on ridesharing, and 2x on tolls; everything else earns 1x. There is also 4x on United Airlines, a single-merchant rate. Rewards are United MileagePlus miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year its rewards come to $104, $591 short of the annual fee. That is normal at this price; the card only works if the perks replace spending you already do, or your bonus-category spending is far above a typical household's. The welcome bonus, 90,000 miles after $5,000 in 3 months, is the strongest reason to open it in a given year.
Get it if you already fly or stay with United MileagePlus often enough to use the free checked bag. A general travel card earns points that go more places.
2 miles per $1 spent on dining including eligible delivery services
2 miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls
2 miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls
2 miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls
2 miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls
4 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
Earn up to 90,000 bonus miles after qualifying activities.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| United Club℠ CardThis card · 2x on dining | $695 | $104 | −$591 | 1289th of 1,291 |
| Chase Freedom Unlimited® Credit CardChase's most-held other card · 3% on dining | None | $528 | +$528 | 276th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
The primary Cardmember will be eligible to book award flights in United Economy on United or United Express with 10% fewer miles.
25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Club℠ Infinite Card.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
The primary Cardmember of the United Club℠ Card is invited to enroll in Avis President's Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more. To enroll, please visit.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Earn a 10,000-mile discount after spending $20,000 each calendar year with your United ClubSM Card — up to two times per calendar year.
You'll earn 1 PQP for every $15 you spend on purchases with your Club Card, up to 28,000 PQP in a calendar year. This can be applied toward your Premier® status qualification, up to and including the Premier 1K® level.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .
Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
The primary Cardmember is eligible for Platinum Elite status in IHG One Rewards (enhance your stay with complimentary room upgrades and extended check-out as available, earn points towards free nights and elite points that never expire). Plus, receive up to $75 in statement credits as reimbursement for IHG® Hotels and Resorts purchases charged to your card from January 1, 2023, through December 31, 2023.
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
MileagePlus miles never expire. This MileagePlus program benefit gives you a lifetime to use your miles on flights and much more.
Receive preferential treatment to ease your way through the airport with priority check-in, security screening, boarding, and baggage handling privileges (where available).
The primary Cardmember who has MileagePlus® Premier® status and is traveling on an award ticket and one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Get a jump start on earning Premier status with 1,500 Card Bonus Premier qualifying points (PQP) each year. PQP can be applied toward your Premier® status qualification, up to and including the Premier 1K® level. Your Card Bonus PQP will be applied to your MileagePlus account within 6 to 8 weeks after February 1 each year, starting in 2026. Your Club Card must be open as of December 31 of the prior year and must be open when PQP are applied.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. Up to $500 per item, $1,000 per year.
This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.
If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels.
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family. United MileagePlus® Visa Signature® Cardmembers may also use award miles to enjoy exclusive experiences, such as winemaker dinners and other unique virtual events. Please visit to learn more.
Primary Cardmembers receive a value of at least $750, including additional guest privileges with their United Club Membership. Primary Cardmembers and their eligible travel companions, including 1 adult guest and dependent children, will enjoy access to 45+ United Club locations worldwide.
Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with your United Club Card.
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Card: $12 back as a statement credit each month from January through November, and up to $18 back for the month of December.
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with your United Club Card.
Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United Club Card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares. To learn more, visit united.com/JSX.
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart when you pay with your United Club Card. Terms apply. Benefits end 12/31/27.
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
These come from Visa, not from Chase. Every card on the Visa Infinite tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
Visa Infinite cardholders receive special privileges from Relais & Châteaux, a highly prestigious association of approximately 500 luxury properties worldwide.
This is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Add peace of mind to your itinerary. Purchase your airline ticket with your covered Visa card and you can enjoy Travel Accident Insurance.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center, 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad. Keep in mind this program provides assistance only. Cardholders are responsible for the cost of any services received.
The Visa Luxury Hotel Collection offers an unparalleled experience with an extraordinary collection of benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
United Club Membership – up to a $650 value per year - United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks. Before you fly, you, as the primary Cardmember, and your eligible travel companions will enjoy access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.*Same page link to Offer Details For an updated list of United Club locations and any temporary closures, please visit united.com.
Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, and National®.
