Chase United Club
- Annual fee
- $695
- Earns
- United MileagePlus miles
- Point value
- 1.5 CPP
- Credits a year
- Up to $1,203
Welcome offer
Earn 100,000 United MileagePlus miles after you spend $5,000 in 3 months
≈ $1,500 at 1.5 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel booked through Chase Travel | 5x | 7.5% |
| Purchases with United | 5x | 7.5% |
| Travel | 2x | 3% |
| Dining | 2x | 3% |
| Groceries | 1x | 1.5% |
| Gas | 1x | 1.5% |
| Everything else | 1x | 1.5% |
Return is what each $1 of spend is worth with points valued at 1.5 CPP.
Credits and benefits
- Renowned Hotels & Resorts Credit$200 a calendar year
- JSX Credit$200 a calendar year
- Rideshare Credit$12 a month
- 2 Avis/Budget Credit ($50 each)$100 a calendar year
- Instacart+ Credits ($10 each)$20 a month
- Instacart+ Membership$99 a calendar year
- Global Entry/TSA PreCheck Credit$120 every 4 years
- 10k Mile Discount for $20K Spend$100 a calendar year
Up to $1,203 a year if you use every credit. Track them in the benefits tracker
Lounge access
United Club card membership for the primary cardmember plus one adult guest and dependent children under 18; Star Alliance lounges are not included. All Access membership (after $50,000 in calendar-year spend or Premier Gold status) allows two adult guests (or one adult plus dependent children) and adds Star Alliance lounges.
Guests
- United: 1 free guest; 2 free after $50,000 of spend in a year
Application rules
Subject to Chase 5/24
Chase won't approve it if you've opened 5 or more personal cards from any bank in the last 24 months.
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
24 month rule
You can't get this card while you have any United Club card, and you won't get the welcome bonus if you received one on this card in the last 24 months. Your other United cards don't affect it.
2 in 30 velocity
Chase usually approves no more than two personal cards in a 30-day period.
Product changes
- Downgrade to United Quest · You keep your miles and pay $350 a year instead of $695, but lose United Club membership.
- Downgrade to United Explorer · You keep your miles and pay $150 a year, with two one-time United Club passes a year instead of membership.
- Downgrade to United Gateway · You keep your miles and drop the annual fee, but lose the free checked bag and lounge access.
About the Chase United Club
The Chase United Club is a personal Visa card from Chase with a $695 annual fee that earns United MileagePlus miles. It earns 5x on travel booked through Chase Travel, 5x on purchases with United, 2x on travel and 1x on everything else. The current welcome offer: earn 100,000 United MileagePlus miles after you spend $5,000 in 3 months. It comes with 8 statement credits worth up to $1,203 a year if you use them all. Cardholders get access to United Club and Star Alliance lounges (All Access membership only). AwardHack values United MileagePlus miles at 1.5 CPP.
Frequently asked questions
What is the Chase United Club annual fee?
The Chase United Club has a $695 annual fee. Its statement credits add up to $1,203 a year if you use all of them.
What is the Chase United Club welcome bonus?
Earn 100,000 United MileagePlus miles after you spend $5,000 in 3 months. AwardHack values that at about $1,500.
Does the Chase United Club include airport lounge access?
Yes: United Club and Star Alliance lounges (All Access membership only). United Club card membership for the primary cardmember plus one adult guest and dependent children under 18; Star Alliance lounges are not included. All Access membership (after $50,000 in calendar-year spend or Premier Gold status) allows two adult guests (or one adult plus dependent children) and adds Star Alliance lounges.
Does the Chase United Club count toward Chase 5/24?
Chase won't approve it if you've opened 5 or more personal cards from any bank in the last 24 months. Opening it counts as one of your 5/24 slots.
Similar cards
Offers, fees and benefits change often. Check the issuer's site before you apply.