United Club℠ Card - Apply Online

Why This Card is for You?

Earn 90,000 bonus miles
4x miles on United® purchases
2x miles on dining and all other travel
1x mile on all other purchases
United Club℠ card membership - at least a $750 value
Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply)
Premier Access® travel services
Earn up to 20,000-miles in award flight discounts annually
Member FDIC

Benifits

The United Club℠ Card has a massive sign-up bonus and top-tier perks like United Club lounge access. While the $695 annual fee may seem steep, it can be easily justified for United loyalists who value airport lounge access, free checked bags, and priority boarding.

Pros

Earn 90,000 bonus miles after spending $5,000 in the first 3 months, valued at about $810 for United travel (based on Bankrate's valuation of 0.9 cents per mile)

Earn 4x miles on United purchases, 2x miles on dining and all other travel, 1x mile on all other purchases

Enjoy complimentary lounge access, valued at $750 annually

Free first and second checked bags, priority boarding, up to $120 for TSA PreCheck or Global Entry, and travel protections like lost luggage reimbursement and trip delay insurance

Cons

$695 annual fee

Miles can only be transferred to United's partner airlines and other non-travel redemptions like hotel bookings may not offer great value

Lack of automatic elite status

Summary

Frequent flyers looking to earn United miles and enjoy premium perks can get a lot of value out of this card thanks to its impressive rewards rate. That said, the annual fee will be hard to justify if you’re not a die-hard United fan.