Chase United Club℠ Card 2026 Review

Annual fee
$695
Rewards rate
10%-1%
Welcome Bonus
80,000 miles
Apply Now →on Chase's website
Regular APR:19.74%-28.24% Variable APR

  • 10%AAdvantage miles on eligible American Airlines purchases
  • 2%AAdvantage miles on dining and hotel stays
  • 1%AAdvantage miles on all other purchases

Welcome Bonus:

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Reward Rate:

Earn 2 checked bags each year, receive 25% back on United inflight and Club premium drink purchases, and earn unlimited miles with no annual fee.

APR:

19.74%-28.24% Variable APR

The Chase United Club℠ Card stands out as the top choice because it offers unparalleled access to United Club lounges, making it ideal for frequent travelers. With a generous welcome bonus and robust earning potential on United purchases, it provides significant value for those who fly with United Airlines regularly.

Pros:

  • Complimentary United Club membership
  • 2 free checked bags

Cons:

  • High annual fee
  • Limited to United Airlines
Apply now →

The Chase United Club℠ Card is best suited for frequent United Airlines travelers who can take advantage of its extensive lounge access and earn rewards on airline purchases. While the high annual fee may be a consideration for some, the generous welcome bonus and benefits associated with regular travel on United could justify the cost for avid flyers.

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