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$750 United Club membership, $875+ in annual credits, and 9x miles on United flights
The United Club Infinite card delivers $1,625+ in quantifiable annual value through full United Club membership ($750), $875+ in partner credits, free checked bags worth $360/roundtrip, and the highest PQP earning cap (28,000) among all United cards — making the $695 annual fee a net positive for frequent United flyers.
$695
Annual Fee
90,000
Airline · Welcome Bonus
4X
Top Rate
Annual Fee
$695
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Infinite
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Excellent
Welcome Offer
90,000
Airline
Spend $5,000 in the first 3 months
Earn 90,000 bonus miles after spending $5,000 on purchases in the first 3 months. Plus earn 10,000 bonus miles for adding an authorized user in the first 3 months. At TPG's 1.4 CPP valuation, the welcome bonus alone covers the $695 annual fee nearly twice over.
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–28.24% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
$750 United Club membership, $875+ in annual credits, and 9x miles on United flights
The United Club Infinite card delivers $1,625+ in quantifiable annual value through full United Club membership ($750), $875+ in partner credits, free checked bags worth $360/roundtrip, and the highest PQP earning cap (28,000) among all United cards — making the $695 annual fee a net positive for frequent United flyers.
$695
Annual Fee
90,000
Airline · Welcome Bonus
4X
Top Rate
Annual Fee
$695
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Infinite
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Excellent
Welcome Offer
90,000
Airline
Spend $5,000 in the first 3 months
Earn 90,000 bonus miles after spending $5,000 on purchases in the first 3 months. Plus earn 10,000 bonus miles for adding an authorized user in the first 3 months. At TPG's 1.4 CPP valuation, the welcome bonus alone covers the $695 annual fee nearly twice over.
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–28.24% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
$750 United Club membership, $875+ in annual credits, and 9x miles on United flights
The United Club Infinite card delivers $1,625+ in quantifiable annual value through full United Club membership ($750), $875+ in partner credits, free checked bags worth $360/roundtrip, and the highest PQP earning cap (28,000) among all United cards — making the $695 annual fee a net positive for frequent United flyers.
$695
Annual Fee
90,000
Airline · Welcome Bonus
4X
Top Rate
Annual Fee
$695
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Infinite
Rewards Currency
United MileagePlus
Point Valuation
1.2–1.5 cpp (mid: 1.35)
Credit Required
Excellent
Welcome Offer
90,000
Airline
Spend $5,000 in the first 3 months
Earn 90,000 bonus miles after spending $5,000 on purchases in the first 3 months. Plus earn 10,000 bonus miles for adding an authorized user in the first 3 months. At TPG's 1.4 CPP valuation, the welcome bonus alone covers the $695 annual fee nearly twice over.
Benefits & Perks
Program & Transfers
Your gateway to global Star Alliance travel
United MileagePlus is the loyalty program of United Airlines, serving millions of members with access to the Star Alliance network of 26 member airlines. As North America's largest Star Alliance carrier, United provides seamless earning and redemption opportunities across partners including Lufthansa, ANA, Singapore Airlines, and Air Canada. The program uses a revenue-based earning model for United flights while offering fixed-rate awards on partner airlines. United operates extensive domestic and international networks with major hubs in Chicago, San Francisco, Houston, Denver, Newark, and Washington Dulles. MileagePlus members earn Premier Qualifying Points (PQP) and Premier Qualifying Flights (PQF) toward elite status, with benefits including complimentary upgrades, bonus earnings, and fee waivers. The program is recognized for excellent award availability, particularly in premium cabins on long-haul international routes. United partners with Chase for co-branded credit cards offering elevated earning rates, free checked bags, and priority boarding. Premium cards grant club lounge access and expanded award availability, making them valuable for frequent United flyers.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 24 from Bonus | If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus. |
| 5/24 | Chase applications will be declined if 5 new cards have been added to your personal credit report in the past 24 months. |
| Chase 2/30 | You'll be declined if you apply for a third Chase card of any kind within 30 days |
| Chase 4/6 | Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months |
| Purchase APR | 19.74%–28.24% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
United Purchases
4x miles on United purchases
United Airlines
4 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
Travel
2x miles on all other travel purchases
Dining
2x miles on dining purchases including eligible delivery services
Hotels
2x miles on hotel stays booked directly with hotels
Ridesharing
2x miles on ridesharing services
Transit
2x miles on transit purchases
Tolls
2x miles on toll charges
$2,000 in United flights = 8,000 card miles (plus 5x from MileagePlus = 18,000 total)
$500/month on travel = 12,000 miles/year from card spending alone
$400/month on restaurants and delivery = 9,600 miles/year
$1,500/month on other spending = 18,000 miles/year
Up to
$784
in annual credits
$200 Renowned Hotels
$200
Annual
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and
$100 Avis/Budget travel
$100
Annual
Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through
$20/mo Instacart+
$20
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart when you pay with your
$150/yr rideshare
$12.50
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Card: $12 back as
$200/yr JSX flights
—
Annual
Get up to $200 back each anniversary year when you book flights directly with JSX using your card.
$75 IHG Platinum Elite
$75
Annual
The primary Cardmember is eligible for Platinum Elite status in IHG One Rewards (enhance your stay with complimentary room upgrades and extended
DoorDash DashPass
—
Annual
Get free DoorDash DashPass membership with $0 delivery fees and lower service fees on eligible orders for one year.
$120 Global Entry/TSA PreCheck
—
Annual
Get reimbursed for Global Entry, TSA PreCheck, or NEXUS application fees with automatic statement credits every 4 years.
25% United inflight purchases
$25
Get 25% back as a statement credit when you purchase food, beverages, Wi-Fi, and premium drinks at United Clubs with your card.
Full United Club membership ($750 value) with unlimited access to 45+ locations. Includes one guest plus kids under 21.
Combined Protection Value
$500
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
Reimbursement for nonrefundable travel expenses when canceling due to illness, weather, or jury duty. Up to $10K per traveler.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. Up to $500 per item, $1,000 per year
Get reimbursed for essential purchases when your baggage is delayed over 6 hours. Up to $100 per day for up to 3 days.
Skip rental counter insurance with primary coverage for theft and collision damage on rentals up to 31 days. Covers vehicles with MSRP up to $125,000.
Get an extra year of warranty protection on purchases with original warranties of 3 years or less.
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
The highest-tier United card with full United Club membership, $875+ in annual credits (Renowned Hotels, JSX, Instacart, rideshare, Avis/Budget), 4x on United purchases, and the best PQP earning potential at 28,000/year. Best for frequent United flyers who use United Clubs regularly.
Frequent United flyers will find the United Club Credit Card worthwhile for its valuable sign-up bonus and United Club membership, while occasional travelers may benefit temporarily before canceling due to the high annual fee.
The United Club Card caters to a specific audience, and only those who fly United multiple times per year will find the high **annual fee ($695** **)** justifiable. If you’re not a United loyalist but have a few United flights planned in the upcoming year, you could still benefit from getting the card and then cancelling. The **signup bonus of 90,000 miles** and United Club membership alone make this card valuable. If you’re at the point in your miles journey where you’re looking at co-branded airline cards, United is the one we recommend first. It’s our favorite airline for collecting points, as it offers great redemption, particularly for international and business flights, and it’s a partner with Chase, making topping off easy.
The United Club membership is its most significant perk, valued at about $750 annually. This membership provides **unlimited access for you (and eligible companions) to United Clubs and select Star Alliance lounges**. Additional travel benefits include first and second checked bags for you and one companion on the same reservation, **TSA PreCheck/Global Entry reimbursement** (up to $120 every four years), and **Platinum Elite status with IHG One Rewards**. You’ll also get premier access travel services such as priority check-in, security screening, boarding, and baggage handling.
This card covers its bases by **offering a range of credits** to entice cardmembers to stick around. You’ll receive:
- $150 in annual rideshare credits ($12 per month, plus $18 in December)
- $240 in annual Instacart credits (two $10 credits per month)
- $200 in annual credits on prepaid hotel stays through Renowned Hotels and Resorts
- $200 in annual credits on flights purchased through JSX
- $100 in Avis or Budget credits (split into two $50 credits) and complimentary Avis President’s Club membership
You’ll also enjoy a **10% Saver Award discount** when booking award flights. Remember, you can redeem MileagePlus miles with any Star Alliance partner airline to maximize your miles.
Here are some exceptions where the card might not be good for you:
- If you don’t fly United/Star Alliance multiple times per year
- If you don’t often travel through airports with United Club or participating Star Alliance lounge
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
United has a card for everyone, depending on travel habits:
- United Gateway: $0 annual fee, low sign-up bonus, limited benefits (in line with no annual fee).
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$470.40
Annual Fee
-$695
Net Annual Value
-$224.60
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
WalletHub analysis concludes the card is worth the $695 annual fee for high-spending frequent travelers who qualify for the large initial bonus and take advantage of United rewards rates.
U.S. News reviews the United Club Infinite Card's worldwide airport lounge access, 4 miles per dollar on United purchases, and two free checked bags benefit for cardholders and companions.
Daily Drop examines the United Club Card's ability to earn up to 28,000 Premier Qualifying Points per year, helping cardholders reach higher United elite status levels.
Yahoo Finance review notes the steep $695 annual fee requires frequent United flying to justify the value, with breakdown of United Club access and travel benefits.
OMAAT review highlights the huge welcome bonus, lounge access, ability to earn elite status through credit card spending, and strong perks including Premier Access travel services.
LendingTree examines eligibility requirements noting cardholders cannot currently own any United Club card and must not have received a sign-up bonus within the past 24 months.
Simple Flying analyzes whether upgrading to the United Club Card is justified by the United Club membership and premium benefits.
Comprehensive review covering United Club membership, statement credits, travel benefits, and earning rates. TPG rates the card 3 out of 5 stars.
CNBC Select reviews the United Club Card's 90,000-mile welcome bonus, premium travel benefits, and $695 annual fee with detailed breakdown of perks and credits.
Detailed analysis of United Club Card benefits including lounge access, free checked bags, and up to 28,000 Premier Qualifying Points earning potential per year.
Forbes Advisor gives the card 4.8 out of 5 stars, highlighting robust travel benefits, airport lounge access, and extensive statement credits totaling over $875 annually.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
United Purchases
4x miles on United purchases
United Airlines
4 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
Travel
2x miles on all other travel purchases
Dining
2x miles on dining purchases including eligible delivery services
Hotels
2x miles on hotel stays booked directly with hotels
Ridesharing
2x miles on ridesharing services
Transit
2x miles on transit purchases
Tolls
2x miles on toll charges
$2,000 in United flights = 8,000 card miles (plus 5x from MileagePlus = 18,000 total)
$500/month on travel = 12,000 miles/year from card spending alone
$400/month on restaurants and delivery = 9,600 miles/year
$1,500/month on other spending = 18,000 miles/year
Up to
$784
in annual credits
$200 Renowned Hotels
$200
Annual
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and
$100 Avis/Budget travel
$100
Annual
Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through
$20/mo Instacart+
$20
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart when you pay with your
$150/yr rideshare
$12.50
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Card: $12 back as
$200/yr JSX flights
—
Annual
Get up to $200 back each anniversary year when you book flights directly with JSX using your card.
$75 IHG Platinum Elite
$75
Annual
The primary Cardmember is eligible for Platinum Elite status in IHG One Rewards (enhance your stay with complimentary room upgrades and extended
DoorDash DashPass
—
Annual
Get free DoorDash DashPass membership with $0 delivery fees and lower service fees on eligible orders for one year.
$120 Global Entry/TSA PreCheck
—
Annual
Get reimbursed for Global Entry, TSA PreCheck, or NEXUS application fees with automatic statement credits every 4 years.
25% United inflight purchases
$25
Get 25% back as a statement credit when you purchase food, beverages, Wi-Fi, and premium drinks at United Clubs with your card.
Full United Club membership ($750 value) with unlimited access to 45+ locations. Includes one guest plus kids under 21.
Combined Protection Value
$500
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
Reimbursement for nonrefundable travel expenses when canceling due to illness, weather, or jury duty. Up to $10K per traveler.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. Up to $500 per item, $1,000 per year
Get reimbursed for essential purchases when your baggage is delayed over 6 hours. Up to $100 per day for up to 3 days.
Skip rental counter insurance with primary coverage for theft and collision damage on rentals up to 31 days. Covers vehicles with MSRP up to $125,000.
Get an extra year of warranty protection on purchases with original warranties of 3 years or less.
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
The highest-tier United card with full United Club membership, $875+ in annual credits (Renowned Hotels, JSX, Instacart, rideshare, Avis/Budget), 4x on United purchases, and the best PQP earning potential at 28,000/year. Best for frequent United flyers who use United Clubs regularly.
Frequent United flyers will find the United Club Credit Card worthwhile for its valuable sign-up bonus and United Club membership, while occasional travelers may benefit temporarily before canceling due to the high annual fee.
The United Club Card caters to a specific audience, and only those who fly United multiple times per year will find the high **annual fee ($695** **)** justifiable. If you’re not a United loyalist but have a few United flights planned in the upcoming year, you could still benefit from getting the card and then cancelling. The **signup bonus of 90,000 miles** and United Club membership alone make this card valuable. If you’re at the point in your miles journey where you’re looking at co-branded airline cards, United is the one we recommend first. It’s our favorite airline for collecting points, as it offers great redemption, particularly for international and business flights, and it’s a partner with Chase, making topping off easy.
The United Club membership is its most significant perk, valued at about $750 annually. This membership provides **unlimited access for you (and eligible companions) to United Clubs and select Star Alliance lounges**. Additional travel benefits include first and second checked bags for you and one companion on the same reservation, **TSA PreCheck/Global Entry reimbursement** (up to $120 every four years), and **Platinum Elite status with IHG One Rewards**. You’ll also get premier access travel services such as priority check-in, security screening, boarding, and baggage handling.
This card covers its bases by **offering a range of credits** to entice cardmembers to stick around. You’ll receive:
- $150 in annual rideshare credits ($12 per month, plus $18 in December)
- $240 in annual Instacart credits (two $10 credits per month)
- $200 in annual credits on prepaid hotel stays through Renowned Hotels and Resorts
- $200 in annual credits on flights purchased through JSX
- $100 in Avis or Budget credits (split into two $50 credits) and complimentary Avis President’s Club membership
You’ll also enjoy a **10% Saver Award discount** when booking award flights. Remember, you can redeem MileagePlus miles with any Star Alliance partner airline to maximize your miles.
Here are some exceptions where the card might not be good for you:
- If you don’t fly United/Star Alliance multiple times per year
- If you don’t often travel through airports with United Club or participating Star Alliance lounge
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
United has a card for everyone, depending on travel habits:
- United Gateway: $0 annual fee, low sign-up bonus, limited benefits (in line with no annual fee).
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$470.40
Annual Fee
-$695
Net Annual Value
-$224.60
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
WalletHub analysis concludes the card is worth the $695 annual fee for high-spending frequent travelers who qualify for the large initial bonus and take advantage of United rewards rates.
U.S. News reviews the United Club Infinite Card's worldwide airport lounge access, 4 miles per dollar on United purchases, and two free checked bags benefit for cardholders and companions.
Daily Drop examines the United Club Card's ability to earn up to 28,000 Premier Qualifying Points per year, helping cardholders reach higher United elite status levels.
Yahoo Finance review notes the steep $695 annual fee requires frequent United flying to justify the value, with breakdown of United Club access and travel benefits.
OMAAT review highlights the huge welcome bonus, lounge access, ability to earn elite status through credit card spending, and strong perks including Premier Access travel services.
LendingTree examines eligibility requirements noting cardholders cannot currently own any United Club card and must not have received a sign-up bonus within the past 24 months.
Simple Flying analyzes whether upgrading to the United Club Card is justified by the United Club membership and premium benefits.
Comprehensive review covering United Club membership, statement credits, travel benefits, and earning rates. TPG rates the card 3 out of 5 stars.
CNBC Select reviews the United Club Card's 90,000-mile welcome bonus, premium travel benefits, and $695 annual fee with detailed breakdown of perks and credits.
Detailed analysis of United Club Card benefits including lounge access, free checked bags, and up to 28,000 Premier Qualifying Points earning potential per year.
Forbes Advisor gives the card 4.8 out of 5 stars, highlighting robust travel benefits, airport lounge access, and extensive statement credits totaling over $875 annually.
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United Purchases
4x miles on United purchases
United Airlines
4 miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
Travel
2x miles on all other travel purchases
Dining
2x miles on dining purchases including eligible delivery services
Hotels
2x miles on hotel stays booked directly with hotels
Ridesharing
2x miles on ridesharing services
Transit
2x miles on transit purchases
Tolls
2x miles on toll charges
$2,000 in United flights = 8,000 card miles (plus 5x from MileagePlus = 18,000 total)
$500/month on travel = 12,000 miles/year from card spending alone
$400/month on restaurants and delivery = 9,600 miles/year
$1,500/month on other spending = 18,000 miles/year
Up to
$784
in annual credits
$200 Renowned Hotels
$200
Annual
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and
$100 Avis/Budget travel
$100
Annual
Receive $50 in United® TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through
$20/mo Instacart+
$20
Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart when you pay with your
$150/yr rideshare
$12.50
Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with your United Club Card: $12 back as
$200/yr JSX flights
—
Annual
Get up to $200 back each anniversary year when you book flights directly with JSX using your card.
$75 IHG Platinum Elite
$75
Annual
The primary Cardmember is eligible for Platinum Elite status in IHG One Rewards (enhance your stay with complimentary room upgrades and extended
DoorDash DashPass
—
Annual
Get free DoorDash DashPass membership with $0 delivery fees and lower service fees on eligible orders for one year.
$120 Global Entry/TSA PreCheck
—
Annual
Get reimbursed for Global Entry, TSA PreCheck, or NEXUS application fees with automatic statement credits every 4 years.
25% United inflight purchases
$25
Get 25% back as a statement credit when you purchase food, beverages, Wi-Fi, and premium drinks at United Clubs with your card.
Full United Club membership ($750 value) with unlimited access to 45+ locations. Includes one guest plus kids under 21.
Combined Protection Value
$500
Access premium 24/7 multilingual travel assistance with enhanced coordination for medical, legal, and emergency services.
Reimbursement for nonrefundable travel expenses when canceling due to illness, weather, or jury duty. Up to $10K per traveler.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. Up to $500 per item, $1,000 per year
Get reimbursed for essential purchases when your baggage is delayed over 6 hours. Up to $100 per day for up to 3 days.
Skip rental counter insurance with primary coverage for theft and collision damage on rentals up to 31 days. Covers vehicles with MSRP up to $125,000.
Get an extra year of warranty protection on purchases with original warranties of 3 years or less.
Starting February 2026, all Premier members are eligible for complimentary upgrades on award tickets, not just revenue tickets.
United announced PlusPoints upgrade costs will become demand-based starting February 2027, moving away from fixed costs per segment.
United removed all change and cancellation fees for MileagePlus award tickets, making speculative bookings risk-free.
MileagePlus now allows up to 5 members to pool miles in a shared account, though pooled miles can only be used on United flights, not partners.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Intra-Europe on Star Alliance | 8,000 | — | economy | europe |
| US to Hawaii in Economy | 17,200 | — | economy | united_states |
| US to South America in Economy | 20,000 | — | economy | south_america |
| US to Europe in Economy | 26,700 | — | economy | europe |
| US to Southeast Asia in Economy | 39,200 | — | economy | asia |
| US to South America in Business | 60,500 | — | business | south_america |
| US to Europe in Business | 80,000 | — | business | europe |
| US to Africa in Business (Partner) | 88,000 | — | business | africa |
| Short-Haul US Domestic Economy | 5,000 | — | economy | united_states |
| US to Mexico in Economy | 10,000 | — | economy | central_america |
| US Transcontinental Business/First | 30,000 | — | business | united_states |
| US to Asia in Polaris Business | 100,000 | — | business | asia |
The highest-tier United card with full United Club membership, $875+ in annual credits (Renowned Hotels, JSX, Instacart, rideshare, Avis/Budget), 4x on United purchases, and the best PQP earning potential at 28,000/year. Best for frequent United flyers who use United Clubs regularly.
Frequent United flyers will find the United Club Credit Card worthwhile for its valuable sign-up bonus and United Club membership, while occasional travelers may benefit temporarily before canceling due to the high annual fee.
The United Club Card caters to a specific audience, and only those who fly United multiple times per year will find the high **annual fee ($695** **)** justifiable. If you’re not a United loyalist but have a few United flights planned in the upcoming year, you could still benefit from getting the card and then cancelling. The **signup bonus of 90,000 miles** and United Club membership alone make this card valuable. If you’re at the point in your miles journey where you’re looking at co-branded airline cards, United is the one we recommend first. It’s our favorite airline for collecting points, as it offers great redemption, particularly for international and business flights, and it’s a partner with Chase, making topping off easy.
The United Club membership is its most significant perk, valued at about $750 annually. This membership provides **unlimited access for you (and eligible companions) to United Clubs and select Star Alliance lounges**. Additional travel benefits include first and second checked bags for you and one companion on the same reservation, **TSA PreCheck/Global Entry reimbursement** (up to $120 every four years), and **Platinum Elite status with IHG One Rewards**. You’ll also get premier access travel services such as priority check-in, security screening, boarding, and baggage handling.
This card covers its bases by **offering a range of credits** to entice cardmembers to stick around. You’ll receive:
- $150 in annual rideshare credits ($12 per month, plus $18 in December)
- $240 in annual Instacart credits (two $10 credits per month)
- $200 in annual credits on prepaid hotel stays through Renowned Hotels and Resorts
- $200 in annual credits on flights purchased through JSX
- $100 in Avis or Budget credits (split into two $50 credits) and complimentary Avis President’s Club membership
You’ll also enjoy a **10% Saver Award discount** when booking award flights. Remember, you can redeem MileagePlus miles with any Star Alliance partner airline to maximize your miles.
Here are some exceptions where the card might not be good for you:
- If you don’t fly United/Star Alliance multiple times per year
- If you don’t often travel through airports with United Club or participating Star Alliance lounge
**United is a solid option for international flights, especially for business class.**
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 60,000 points to South America and 80,000 to Europe.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
United has a card for everyone, depending on travel habits:
- United Gateway: $0 annual fee, low sign-up bonus, limited benefits (in line with no annual fee).
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$470.40
Annual Fee
-$695
Net Annual Value
-$224.60
You don’t get free bags just by being a MileagePlus member. You need United status or a credit card that includes free checked bags. Five of the six United cards offer at least one free bag, and all status tiers include the same perk. Premium cabin tickets also include at least two free bags.
You can find short-haul domestic flights for as low as 6300 miles one-way in the off-peak season. Since United uses dynamic pricing, award costs vary widely based on when you fly. Flights from the U.S. to Europe can occasionally be found for as little as 26,000 miles one-way.
A United Club membership costs $750, or 94,000 miles, so value depends on how often you fly United. Some United cards include passes, and the [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) card offers full membership. United Premier Gold members and higher also receive United Club access when traveling internationally.
The fastest way to earn United miles is to open a co-branded United credit card and meet the welcome offer requirement. The [United Club](https://pointsnav.com/credit-cards/united-club-infinite-card) and [United Club Business](https://pointsnav.com/credit-cards/united-club-card-business) cards both offer 80,000-mile bonuses, and we've seen offers reach 100,000. Other United cards offer bonuses up to 60,000 miles.
No, United MileagePlus miles no longer expire. Your miles will remain in your account indefinitely, regardless of account activity. This is a major advantage over some competing programs.
Yes, MileagePlus offers mileage pooling where up to five members can combine their miles into a shared pool. The pool leader must be at least 18 years old. However, pooled miles can only be used for award flights on United, not on partner airlines. Once contributed, miles cannot be withdrawn after 24 hours.
WalletHub analysis concludes the card is worth the $695 annual fee for high-spending frequent travelers who qualify for the large initial bonus and take advantage of United rewards rates.
U.S. News reviews the United Club Infinite Card's worldwide airport lounge access, 4 miles per dollar on United purchases, and two free checked bags benefit for cardholders and companions.
Daily Drop examines the United Club Card's ability to earn up to 28,000 Premier Qualifying Points per year, helping cardholders reach higher United elite status levels.
Yahoo Finance review notes the steep $695 annual fee requires frequent United flying to justify the value, with breakdown of United Club access and travel benefits.
OMAAT review highlights the huge welcome bonus, lounge access, ability to earn elite status through credit card spending, and strong perks including Premier Access travel services.
LendingTree examines eligibility requirements noting cardholders cannot currently own any United Club card and must not have received a sign-up bonus within the past 24 months.
Simple Flying analyzes whether upgrading to the United Club Card is justified by the United Club membership and premium benefits.
Comprehensive review covering United Club membership, statement credits, travel benefits, and earning rates. TPG rates the card 3 out of 5 stars.
CNBC Select reviews the United Club Card's 90,000-mile welcome bonus, premium travel benefits, and $695 annual fee with detailed breakdown of perks and credits.
Detailed analysis of United Club Card benefits including lounge access, free checked bags, and up to 28,000 Premier Qualifying Points earning potential per year.
Forbes Advisor gives the card 4.8 out of 5 stars, highlighting robust travel benefits, airport lounge access, and extensive statement credits totaling over $875 annually.
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Get reimbursed for lost, damaged, or stolen baggage contents with coverage up to $3,000 per traveler after airline reimbursement.
Protect your purchases against damage or theft for 120 days. Includes return protection up to $500 per item if store won't accept returns.
Get reimbursed for meals, hotel, and essentials when your travel is delayed 12+ hours or requires overnight stay. Up to $500 per traveler.
- United Explorer: $150 annual fee (waived the first year), decent 60,000-mile sign-up bonus, plus two United Club passes per year.
- United Quest: $350 annual fee, 70,000-mile sign-up bonus, two free checked bags, $200 in annual United credits, and additional credits to compare with the Explorer card.
If you’re close to hitting your 5/24 limit, there are two business cards to consider:
- United Business Card: 75,000-mile sign-up bonus, $150 annual fee (waived the first year), two United Club passes per year, and a free checked bag.
- United Club Business Card: $695 annual fee, offering United Club membership and similar perks to the personal United Club Credit Card.
Get reimbursed for lost, damaged, or stolen baggage contents with coverage up to $3,000 per traveler after airline reimbursement.
Protect your purchases against damage or theft for 120 days. Includes return protection up to $500 per item if store won't accept returns.
Get reimbursed for meals, hotel, and essentials when your travel is delayed 12+ hours or requires overnight stay. Up to $500 per traveler.
- United Explorer: $150 annual fee (waived the first year), decent 60,000-mile sign-up bonus, plus two United Club passes per year.
- United Quest: $350 annual fee, 70,000-mile sign-up bonus, two free checked bags, $200 in annual United credits, and additional credits to compare with the Explorer card.
If you’re close to hitting your 5/24 limit, there are two business cards to consider:
- United Business Card: 75,000-mile sign-up bonus, $150 annual fee (waived the first year), two United Club passes per year, and a free checked bag.
- United Club Business Card: $695 annual fee, offering United Club membership and similar perks to the personal United Club Credit Card.
Get reimbursed for lost, damaged, or stolen baggage contents with coverage up to $3,000 per traveler after airline reimbursement.
Protect your purchases against damage or theft for 120 days. Includes return protection up to $500 per item if store won't accept returns.
Get reimbursed for meals, hotel, and essentials when your travel is delayed 12+ hours or requires overnight stay. Up to $500 per traveler.
- United Explorer: $150 annual fee (waived the first year), decent 60,000-mile sign-up bonus, plus two United Club passes per year.
- United Quest: $350 annual fee, 70,000-mile sign-up bonus, two free checked bags, $200 in annual United credits, and additional credits to compare with the Explorer card.
If you’re close to hitting your 5/24 limit, there are two business cards to consider:
- United Business Card: 75,000-mile sign-up bonus, $150 annual fee (waived the first year), two United Club passes per year, and a free checked bag.
- United Club Business Card: $695 annual fee, offering United Club membership and similar perks to the personal United Club Credit Card.
