Current offer
Earn 80,000 miles
After spending $5,000 in the first 3 months from account opening. Offer terms apply.
Compare with another card
See how this card stacks up side by side.
Current offer
Earn 80,000 miles
After spending $5,000 in the first 3 months from account opening. Offer terms apply.
The point.me verdict
The United Club℠ Card is the lounge play: unlimited United Club access for you and a guest, upgradeable to All Access by spending $50,000 a year or holding at least Premier Gold. You also get Premier Access travel (priority check-in, boarding, bags) and a rich stack of credits. The $695 fee is high but undercuts the Amex Platinum; skip it if you rarely fly United or lack a home-airport Club.
What we love
- Unlimited United Club access for you and a guest, upgradeable by spend or Premier Gold status
- Premier Access travel: priority check-in, screening, boarding, and baggage handling
- Credits-rich as expected at this tier, and earns elite qualifiers through spend
- Lower $695 annual fee than the Amex Platinum, with free guest lounge access
What we don't
- High $695 annual fee, only worth it for heavy United flyers who use the lounges
- Thin, low earning outside United: 2x travel/dining, weak versus other cards
United MileagePlus
MileagePlus is the frequent flier program for United Airlines and features one of the largest partner airline networks in the industry, with more than 35 partner airlines. This includes Star Alliance carriers such as Lufthansa and Singapore Airlines, along with a variety of other partners such as JetBlue, giving members considerable flexibility when redeeming miles for travel worldwide.
Rewards on this card
- 11xEligible United flightsAdvertised total; includes loyalty-program base earn
- 5xAll other eligible United® purchases
- 2xDining
- 2xAll other travel
- 1xAll other purchases
Card Benefits
Discover the perks included with this card, on top of what you earn.
- $750
United Club℠ Access
Unlimited United Club℠ access for you and a guest.
- $430
Free First and Second Checked Bags
Free first and second checked bags, plus Premier Access® travel services. Savings of up to $440 per roundtrip (terms apply).
- $240
Award Flight Mile Discount
Earn up to 20,000 miles in award flight discounts annually.
- $100
10% Savings on Flights Booked with Miles
Save 10% or more when booking flights with miles. Premier members save even more.
Dollar values shown are estimates used to calculate the card’s first-year value, not the actual value of each benefit.
See what you’d earn
Set your monthly spend to see what you’d earn in year one, and what it’s worth.
Assumes caps apply per year and capped spend falls back to the base rate.
125,600 pts ≈ $1,507
Your first year in annual value
