United Club Card | Review & United Miles Calculator
This card is no longer open to new applicants as of March 15, 2020. It has been replaced by the United Club Infinite Card.

United Club Credit Card

Card Review & United Miles Calculator
2X United Airlines
1.5X Everything Else
United Club Membership
Hyatt Discoverist Status
Hertz President Circle Elite Status

Review the benefits of the United Club Card, calculate how many United Miles you can earn based on your spend, and compare results side by side top cards.

The United Airlines MileagePlus Club Card is a great card for anyone looking to enjoy the comfort of United Club Lounge access when flying United Airlines. Along with lounge access, card holders also receive several other perks such as status with both Hertz Rental Car and Hyatt Hotels and two free checked bags. The United Club Card also earns more points on non-category purchases which would work well for anyone who focuses on MileagePlus Miles.

Bonus Categories

The United MileagePlus Club Card features one bonus category which is United Airlines spending. There is no limit to the amount of miles you can earn with this card and there is no cap to the United Airlines bonus category.

2x United Airlines

The United Club Card earns 2 United Miles per $1 spent. United Airlines purchases includes United airline tickets (purchased directly with United), seat upgrades, in-flight food, beverages, Wi-Fi, baggage service charges and other United fees. This does not include United Cruises®, MileagePlus X, DIRECTV, and Merchandise Awards.

1.5x Non-Category

All non-United Airlines purchases on the United Club Card earns 1.5 United Miles per $1 spent. Non-category spending on this card is a great choice for anyone focusing on building United Miles.

Perks and Benefits

United Club Membership

The primary reason of picking up the United Club Card is for the United Club Membership the card grants. Membership costs $650 per year if you're buying it directly from United, so you'll benefit a little more from holding this card if you're looking to have access to United's lounges.

Authorized users will not receive their own United Club membership and are only eligible for United Club access if they accompany the primary cardholder and qualify as an eligible guest per United Club guest policies.

Premier Access

As a United Club primary cardholder, you and companions traveling on the same reservation are eligible for Premier Access. This includes designated check-in lines, priority security lanes, priority boarding, and priority baggage handling.

Authorized users will not receive this perk unless they are traveling as a companion on the same reservation as the primary cardholder. Priority perks are offered on most airline credit cards including 6 of the 7 Delta Credit Cards and most of the American Airlines AAdvantage Cards.

Free Checked Bags

When you use the United Club Card to pay for the United airfare (directly with United), you and up to one companion traveling on the same reservation will receive the first and second checked bags free (standard size bag). United normally charges $35 for the first bag and $45 for the second bag, one-way, per person. So this can save you as much as $160 per person roundtrip.

Authorized users are only eligible for free checked bags if they are on the same reservation as the primary cardholder.

Hyatt Discoverist Status

The United Club Card will grant you complimentary World of Hyatt Discoverist Status. Discoverist status comes with perks such as a free bottle of water, premium internet, room upgrades, bonus points, and more.

Hertz President's Circle

The United Club Card will grant you complimentary Hertz Gold Plus Rewards President's Circle Membership. The United Club Card Hertz benefit applies only to the primary cardholder. These perks consist of confirmed vehicle availability of Standard Equipment Economy through Full-Size 4 door vehicles, confirmed vehicle one-car-class upgrade, 25% bonus on Hertz Gold Plus Rewards® Points, and more.

Luxury Hotel & Resort Collection

The United Club Card will give you access to the Luxury Hotel & Resort Collection which offers benefits like daily breakfast for two, complimentary wifi, room upgrades (if available) and more.

Travel & Purchase Protections

The United Club Card comes with the standard Chase travel and purchase protections which includes, but is not limited to:

  • Trip Cancellation
  • Trip Interruption Insurance
  • Baggage Delay Insurance
  • Purchase Protection
  • Extended Warranty Protection

Sign Up Bonus

The United MileagePlus Club Card sign up bonus sits at 50,000 United Miles which can be worth $500 to $600+ depending on how much you value United Miles. During promotions this sign up bonus can be as high as 70,000-80,000 United Miles.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the United Club Card is $450. While the card doesn't have any annual credits, it does offer United Club Membership which costs $650 if you buy it through United. The extra United benefits such as two free checked bags and Premier Access benefits as well as the complimentary Hertz and Hyatt status also add to the value of the card.

Authorized User Fee

The United Club Card has an authorized user fee of $0. This provides a great opportunity to add family and friends to capitalize on the 1.5x earnings this card gets on non-category spending.

Foreign Transaction Fee

The foreign transaction fee for the United Club Card is 0%. This allows you to use your card worldwide without worrying about being penalized for out of country purchases.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-03-25
Article By: Robert Flowers III

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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