United MileagePlus® Club Card

The United MileagePlus Club Card offers a lot of incentives for anyone who flies United frequently.

You’ll get 2X miles per dollar at United Airlines, and 1.5X miles per dollar for every other purchase. There’s also a signup offer of 50,000 bonus miles for spending $3,000 in the first three months after account opening.

Cardholders get complimentary United Club membership, with free access for the primary cardholder and two guests. Free first and second checked bags are included, as well as other airline perks.

This card has a $450 annual fee, and no foreign transaction fees.

The United MileagePlus Club is one of our picks for the Best Airline Credit Cards.

Card Quick Facts

Card Quick Facts

  • 2X miles per dollar spent on United Airlines purchases
  • 1.5X miles per dollar spent on all other purchases
  • 50,000 bonus miles for spending $3,000 on purchases in the first 3 months
  • Miles never expire
  • United Club membership, with free access for you and two guests
  • Free first and second checked bags, for you and one traveling companion
  • Premier Access travel services
  • Chase Luxury Hotel & Resort Collection
  • World of Hyatt Discoverist status
  • No foreign transaction fees
  • $450 annual fee

Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 2X miles per dollar spent at United Airlines
  • 1.5X miles per dollar spent on all other purchases
  • Miles never expire
How to Redeem

Introductory Bonus

  • 50,000 bonus miles after spending $3,000 on purchases in the first 3 months after account opening
Card Stats

Card Stats

Annual Fee $450
Additional Cards Annual Fee $0
Regular Purchase APR 18.24%–25.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 0%
Chip Technology Chip-and-Signature
Minimum Credit Limit $15,000
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 18.24%–25.24% Variable
Balance Transfer Fee 5%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • United Club℠ Membership

    Up to a $550 value per year, includes free access for you and two guests to all United Club locations and participating Star Alliance™ affiliated lounges worldwide. This doesn’t extend to authorized users.

  • Premier Access® Travel Services

    Priority check-in, security screening (where available), boarding, and baggage handling privileges.

  • Free First and Second Checked Bags

    For you and one companion on the same reservation.

  • Luxury Hotel & Resort Collection

    Room upgrades, complimentary daily breakfast for two, early check-in, late checkout, and other amenities at more than 750 luxury hotels and resorts worldwide.

  • World of Hyatt Discoverist Status

    A 10% point bonus, room upgrades, and other benefits at Hyatt properties.

  • Hertz Gold Plus Rewards®

    Get a 25% point bonus, upgrades, and exclusive offers at Hertz.

  • Complimentary Premier Upgrades

    MileagePlus Premier members can get award ticket upgrades on United flights when available.

  • No fees on Close-in Award Bookings

    On United flight tickets.

  • United MileagePlus Events

    Use award miles to access exclusive experiences and events.

  • Inside Access from Chase

    Cardholders get access to private experiences such as celebrity meet-and-greets and private culinary and sports events.

  • Visa Signature Concierge

    Complimentary concierge service 24/7, for non-emergency assistance with a variety of tasks.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card (contact customer support immediately if you suspect fraud).

  • Purchase Protection

    Purchases are covered for 120 days against theft or damage, up to $10,000 per claim and $50,000 per year.

  • Price Protection

    If a purchased item is found being advertised for a lesser price within 90 days, reimbursement may be provided up to $500; limited to $2,500 per year.

  • Extended Warranty Protection

    Eligible warranties of 3 years or less can be extended by up to an additional year.

  • Return Protection

    If a merchant won’t take back an item within 90 days, reimbursement is available for eligible items, up to $500 per item; up to $1,000 per year.

  • Travel and Emergency Assistance

    Provides help with emergencies, including legal and medical referrals.

  • Trip Cancellation / Trip Interruption Insurance

    If a trip is disrupted for an eligible reason, provides reimbursement up to $10,000 for non-refundable costs.

  • Trip Delay Reimbursement

    If your common carrier is delayed more than 12 hours, provides reimbursement for eligible expenses.

  • Lost Luggage Reimbursement

    If checked or carry-on bags are lost or damaged, you can be reimbursed up to $3,000 per passenger.

  • Baggage Delay Insurance

    Reimbursement for purchases such as toiletries and clothing when baggage delays go beyond 6 hours by the passenger carrier; up to $100 a day for 3 days.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

Visitor Reviews

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Average rating:  
 1 reviews
by Tim Evans
Be Carefui with Chase Cards!

Be careful with the Chase United Plus card . . . I’ve been with them since 2005, and (due to some circumstances) missed one payment.As soon as I found out about it, I paid it immediately (had more than enough in my chase bank account, so just made an online transfer to pay the credit card).They are taking four days to credit my account with the payment. In the mean time I’m incurring huge interest charges, I can’t use my card at all (and, suspect they’re making plenty for Chase investing my funds for four days).So much for valuing customer loyalty! I’m going to be evaluating some other card options.

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