Chase United MileagePlus® Club Credit Card
If your airline loyalty lies with United and you enjoy traveling in style, the United MileagePlus Club card might be the perfect fit for you. Luxury travel benefits, such as airport lounge access and plush hotel rooms, can be pricey, but for less than the cost of a United Club lounge membership, you’ll be treated like royalty with elite privileges from United, Hyatt, Hertz and the Luxury Hotel & Resort Collection.
United Club lounge membership is included with the card, creating a luxurious package for the avid United Airlines traveler. The benefits don’t stop there. You’ll also receive free checked bags, priority boarding and services, fee waivers, a dedicated customer service phone line, travel companion benefits, concierge access and the ability to earn and redeem miles for free travel.
Yes, the card does come with a hefty $450 annual fee, but if you value luxury travel benefits you may have met your new card. Plus, you’ll get a quick 50,000 miles sign-up bonus that’s potentially worth over $810 in airfare.
Bonuses and Benefits
Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the Chase United MileagePlus® Club Card offers and the value of the Chase MileagePlus® miles you earn.
In addition to the 50,000 miles sign-up bonus that you’ll get if you spend $3,000 within three months of account opening, the United MileagePlus Club card also comes with some excellent perks. One of the most valuable is United Club lounge membership that’s worth $550 a year. These two bonuses alone more than cover the annual fee in the first year. You’ll earn valuable miles on every purchase at 1.5 miles for every dollar spent and 2 miles per dollar on United Airline purchases. Elite membership in World of Hyatt and Hertz Gold Plus Rewards loyalty programs and special offers and upgrades through the Luxury Hotel & Resort Collection add to the package.
What You Get
- Earn 50,000 miles after you spend $3,000 on purchases in the first 3 months
- Free MileagePlus Club lounge access
- Discoverist elite status with Hyatt
- President’s Circle elite status with Hertz
- Free upgrades and privileges with the Luxury Hotel & Resort Collection
- 2 X miles per dollar spent on all United purchases
- 1.5 X miles per dollar for all other puchases
As long your United MileagePlus Club card is open, your miles won’t expire. Should the card be cancelled, any miles that have not yet transferred to your frequent flier account will be lost. Miles held in your MileagePlus frequent flier account do not expire as long as you have qualifying activity on your account.
What is the value of the MileagePlus® Miles?
Saver level economy award tickets for domestic flights can offer good value for your miles, but they may be difficult to find. Redeeming for economy tickets between the U.S. and Europe at 60,000 miles roundtrip also offers great value. And economy award tickets to Mexico and the Caribbean start at just 35,000 miles roundtrip. Another great redemption option is for first class saver awards on partner airlines. A first class one-way award on Thai Airways between Sydney, Australia, and Hong Kong, including an overnight in Bangkok, can be booked for as little as 40,000 miles.
What is CPM and How Is It Calculated?
Cents Per Mile (CPM) is a way to measure the value of miles. It tells you how many cents you get for each mile you redeem by dividing the cash price of the airline ticket (minus taxes and fees charged for an award ticket) by the number of miles the award flight costs. This is a somewhat subjective calculation because the price of the flight in both cash and miles fluctuates by season and availability.
How we calculate CPM:
The Best Ways to Redeem MileagePlus Miles
You’ll get the best redemption value for the miles earned with your United MileagePlus Club card for award tickets on United Airlines and its airline partners. Saver fares are the best, especially for economy round-trip tickets to Europe, the Caribbean and South America, and for first class partner flights in Asia. While there are several other options for redeeming miles, the value you receive can often be far less.
Detroit–Las VegasEconomy classMiles price25,000miles+$80.6 feeDollars price$548
Pittsburgh–MinneapolisEconomy classMiles price25,000miles+$80.6 feeDollars price$410
Seattle–AustinEconomy classMiles price25,000miles+$80.6 feeDollars price$503
Fort Lauderdale–NassauEconomy classMiles price35,000miles+$182.12 feeDollars price$2,045
New York–BermudaEconomy classMiles price35,000miles+$199.9 feeDollars price$568
Austin–HavanaEconomy classMiles price75,000miles+$11.2 feeDollars price$929
Chicago–DetroitBusiness classMiles price50,000miles+$80.6 feeDollars price$389
New Orleans–BostonBusiness classMiles price50,000miles+$80.6 feeDollars price$1,260
Atlanta–WashingtonBusiness classMiles price50,000miles+$80.6 feeDollars price$634
San Francisco–Hong KongBusiness classMiles price140,000miles+$122.06 feeDollars price$1,717
Boston–TorontoBusiness classMiles price50,000miles+$56.6 feeDollars price$5,148
Los Angeles–MexicoBusiness classMiles price60,000miles+$93 feeDollars price$1,034
Other ways you can redeem miles
Hotel Stays84 partners84 part.
You can redeem your miles for any one of the hotels listed on the MileagePlus redemption website. There are more than 84 hotel partners, including Hilton, Marriott, Hyatt and IHG.
Car Rental8 partners8 part.
Hertz is the primary rental car partner for MileagePlus, with periodic discounted offers and miles rebates. Other partners include Dollar and Thrifty. Rentals are available only at airport locations and do not include one-way rentals.
Gift Cards270 partners270 part.
With a wide selection of over 270 gift card partners, redemptions begin at 156 miles for a $1 card. Choose from popular stores such as Amazon, Starbucks and Lowes.
Select from a variety of products with MileagePlus Merchandise Awards. If you have more miles than you need, it’s a convenient option.
Additional Redemption Options
Redeem miles for flight upgrades, cruises, in-flight Wi-Fi, TSA Pre-Check and United Club memberships, or donate your miles to a variety of charities.
Everyday Earnings with Chase United MileagePlus® Club Card
The United MileagePlus Club card offers a consistent 1.5 miles per dollar spent on all purchases. It’s unusual to find a co-branded airline card that has a bonus for all purchases. There’s no need to keep track of bonus categories or quarterly promotions. You’ll earn a total of two miles for every dollar you spend on tickets with United.
- Car Rental
- United Airlines Purchases
- All Other Purchases
United Airlines purchases are the purchases made directly from United
If you purchase a ticket from United Airlines using your United MileagePlus Club card, you’ll earn two miles per dollar. For instance, a $500 airline ticket purchased with your card on United’s website would earn 1,000 miles. All other purchases earn 1.5 miles per dollar spent. Pay your $100 electric bill with your card, for example, and receive 150 miles.
Free Checked Bag
The first and second checked bags are free for the cardholder and one travel companion traveling on the same itinerary. That can save you $240 on a round-trip ticket.
United Club Membership
Cardholders receive complimentary lounge access to all United Club locations and participating Star Alliance lounges worldwide. Eligible travel companions are included.
The primary cardholder and travel companion on the same itinerary will receive priority boarding with Premier Access status.
Cardholders are not charged booking fees for last minute award tickets, a savings of $75 per ticket.
World Of Hyatt Elite Status
The primary cardholder receives Discoverist elite status with Hyatt.
Hertz Gold Plus Rewards Elite Status
The primary cardholder will receive President’s Circle elite status when renting from Hertz.
No Foreign Transaction Fee
The primary cardholder will receive President’s Circle elite status when renting from Hertz.
Concierge And Exclusive Event Service
Take advantage of personalized recommendations and assistance available 24 hours a day, as well as inside access to special events.
Personalized Customer Service
You’ll get access to a dedicated customer service phone line.
Earn Elite Status Fast
The United MileagePlus Club card does not offer a way to earn elite status or elite-qualifying miles in the United MileagePlus frequent flier program. If you spend $25,000 on the card in a calendar year, however, one of the requirements for earning elite status will be waived. The PQD (Premier Qualifying Dollars) requirement, which refers to spending a specified amount of money with the airline, will be waived as a requirement for attaining status up to and including Premier Platinum.
While you don’t get status with United, the Club card does come with instant status with Hertz and Hyatt. You’ll get Discoverist status with World of Hyatt and President’s Circle status with Hertz Gold Plus Rewards.
- Premier Qualifying Dollars (PQD) requirement is waived after spending $25,000
- Instant Discoverist elite status with Hyatt
- Complimentary President’s Circle status with Hertz
Fees: the cost of Having Chase United MileagePlus® Club Card
The Club card’s annual fee is $450 . If you received no other benefits of value, you would have to spend $ 18,519 in the first year to cover the cost of the card. This spending level would generate 27,778 miles. When valued at about 1.62 cents each, it would offset the annual fee. Since you’ll receive a United Club membership worth $550 and a 50,000 miles bonus potentially worth over $810 when you get the card, the benefits alone can more than cover the cost of the annual fee.
- Late Payment Fee
Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more
- Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater
- Annual Fee
- Foreign Transaction Fee
See What It Takes to Cover an Annual Fee:
We strongly recommend to spend not less than $6,173 per months to cover the annual fee in three months.
We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the United MileagePlus® Club card. Is the card worth getting, and should you keep it after you get the sign-up bonus? Let’s find out.
These estimates are based on an annual monthly spend of $2,000
Top 5 Benefits of the United MileagePlus® Club Card
Be treated royally with lounge access, hotel and rental car program elite status, extended benefits for your travel companion, free checked bags, hotel perks and priority boarding. It’s a luxurious package of benefits fit for the elitist of travelers. And it’s all complemented by the solid everyday earning potential of this card.
- Lounge Access: One of the primary benefits of this card is membership to the United Club airport lounges and international Star Alliance affiliated lounges. Such membership normally costs $550 annually.
- Hotel and Rental Car Program Elite Status: The primary cardholder receives World of Hyatt Discoverist status and Hertz President’s Circle status, as well as special privileges with the Luxury Hotels and Resorts Collection.
- Fee Waivers: Cardholders save big as they pay no checked bag fees, a savings of up to $240 per trip. The $75 fee for booking last minute award tickets is also waived.
- Travel Companion Benefits: Free checked bags, lounge access and priority boarding are benefits that extend to your travel companion flying on the same reservation.
- Solid Earning Potential: You’ll earn 1.5 miles on every purchase and 2 miles per dollar on United purchases.
Should You Get the United MileagePlus® Club Card?
If United is your airline of choice, and you value luxury travel benefits, there’s a lot to love about the Club card. After paying the $450 annual fee, you can savor the United Club lounge access in the U.S. and Star Alliance lounges worldwide. The lounge access alone would cost $550 per year.
You’ll also enjoy priority boarding, plus the savings from fee waivers for last minute award tickets and checked bags. Hyatt and Hertz elite benefits, luxury hotel upgrades and perks, and concierge services are icing on the cake. It’s a sweet little luxury package for the United Airlines traveler.
You’ll also be earning at a rate of 2 miles per dollar for United Airlines purchases and 1.5 miles for all other purchases. For less travel perks you might opt for the United MileagePlus Explorer card with its lower $95 fee and matching 40,000 miles sign-up bonus, but you won’t get the fantastic travel benefits of the Club card.
Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.
How does the United MileagePlus Club card work for lounge access? Do I have to be traveling on United?
To access the United Club lounge, you do not have to be traveling on a United Airlines reservation; you can be traveling on any airline. However, for Star Alliance affiliated lounges, you will need to hold a same day ticket issued by a Star Alliance member airline. Another great benefit of holding the United MileagPlus Club card is that you can also bring up to two travel companions with you into the United lounge. For Star Alliance affiliated lounges, you and one additional guest are allowed. When your card is approved, it takes about five days to link your United MileagePlus frequent flier account to your United MileagePlus Club card. You’ll receive the actual membership card a couple weeks after approval. Prior to your card’s arrival, access the lounge by providing your linked MileagePlus frequent flier membership number.
You can redeem your miles on United Airlines plus Star Alliance partner airlines. You’ll start by earning United redeemable miles on the purchases you make with your United MileagePlus Club card. These miles will be transferred into your MileagePlus frequent flier account each month when your credit card statement closes. Once the miles are in your frequent flyer account, you can redeem them for flights on United and all of its partner airlines. The good news is that there are 26 partner airlines with which you can redeem your miles and 1,000 destinations. Some of these airlines include Lufthansa, Thai Airways, Singapore Airlines, Air Canada and Copa Airlines. Most of the partner award tickets can be booked on United.com. Last minute award ticket bookings, those within 21 days of departure, normally incur a $75 service charge for general members, but as a United MileagePlus Club cardholder, that fee is waived.
Your experiences with Hyatt, Hertz and Luxury Hotel & Resort Collection are about to change for the better with the elite status that comes with the Club card. As a World of Hyatt Discoverist elite, you’ll enjoy room upgrades, free internet, bonus points, late checkout and complimentary bottled water. Your lengthy list of hotel benefits continues with special privileges from the Luxury Hotel & Resort Collection, including complimentary breakfasts, check-in/checkout flexibility and room upgrades. For Hertz car rentals, you’ll receive upgrades, bonus points, expedited service and special promotions. Use your United MileagPlus Club card for booking your reservations to receive these benefits. Register for elite status with World of Hyatt and Hertz Gold Plus Rewards once your United MileagePlus Club card is approved. It can take up to four weeks to activate your membership. To receive benefits from the Luxury Hotel & Resort Collection, use your card when making reservations.
The United MileagePlus Club card and MileagePlus Business Club card are big on luxury travel benefits, while the United MileagePlus Explorer cards have sign-up bonuses that, once earned, are immediately redeemable for free travel. Grab those luxury travel benefits or choose to forego most of those perks for a more appealing 50,000 miles sign-up bonus; there’s a card for every United Airlines traveler in this lineup.
Other MileagePlus® Cards cards
|Chase United MileagePlus® Explorer Card||Chase United MileagePlus® Explorer Business Card|
|Sign-up bonus||40,000 miles||50,000 miles||50,000 miles||0 miles|
$0 first year $95 after that
$0 first year $95, after that
|APR On Purchases||17.24% to 24.24% Variable±||17.24% to 24.24% Variable±||17.24% to 24.24% Variable±||17.24% to 24.24% Variable±|
|Second Year Value||$389||$583||$551||$583|
If United is your airline of choice, luxury travel benefits are important to you, and lounge access is a high priority, the United MileagePlus Club card or United MileagePlus Business Club card is a solid choice. The value of lounge access alone offsets the $450 annual fee and the MileagePlus Explorer cards don’t offer this benefit.
However, if luxury benefits are not a priority, you may prefer the more affordable $95 annual fee and bigger 40,000 miles sign-up bonus offered by either Explorer card. Both Explorer cards also come with two United Club lounge passes annually.
While the personal version of the Explorer card earns only one mile per dollar for most purchases, the business version offers some excellent bonus categories. You’ll get two miles per dollar at gas stations, restaurants and office supply stores. On the other hand, both versions of the Club card earn a solid 1.5 miles per dollar spent on all purchases. All United cards earn two miles per dollar spent with United.
Compare The United MileagePlus Explorer Card to Other Cards
The MileagePlus Explorer Card can be a great choice if you want to redeem miles for award flights on United. Except for the Capitol One Venture Rewards card, which is basically a cashback card, the cards below allow you to book award tickets. The Chase Sapphire Preferred also allows you to transfer points to multiple airlines to fit your award booking needs.
The biggest difference between the cards is the annual fee. That might discourage you from considering the United MileagePlus Club card. However, the other three cards come with far fewer travel benefits.
Big spenders may go for the British Airways Visa Signature that offers additional mileage earning on top of the sign-up bonus. You can earn a total bonus of 75,000 Avios if you spend $13,000 in the first year of having the card.
The Hawaiian Airlines MasterCard and the Alaska Airlines Visa Signature both offer companion ticket benefits that can easily offset their annual fees. You have to spend $30,000 on the British Airways Visa Signature to receive a companion ticket.
Bottom line: If luxury travel benefits are paramount and United Airlines is your airline of choice, the United MileagePlus Club card is a clear winner for you. If you travel globally and are a big spender, the British Airways Visa Signature will allow you to accumulate 120,000 Avios your first year (100,000 bonus plus 20,000 in spending). If you’re not that big of a spender, but want that discounted companion pass and a jumpstart on mileage accumulation, either the Hawaiian Airlines World Elite MasterCard or Alaska Airlines Visa Signature could serve you well.
Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.
Card Terms and Conditions
While it's easy to focus on the rewards offered by the United MileagePlus® Club card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with the Visa card.
- Intro APR:
- See Terms and Conditions
- Intro APR for balance transfers:
- See Terms and Conditions
- Ongoing APR:
- 17.24% to 24.24% Variable±
- Minimum Grace Period:
- 21 days
- Extended Warranty Protection:
- Items covered by a U.S. manufacturer’s warranty of 3 years or less receive an additional year of coverage.
- Purchase Protection:
- New purchases are covered for 120 days for up to $10,000 per claim for damage or theft. Maximum $50,000 per year.
- Price Protection:
- Receive the difference, up to $500 per item, if the price of your card purchase is advertised for less within 90 days. Maximum of $2,500 per year.
- Return Protection:
- When returning eligible items purchased within the last 90 days and a store won’t take them back, you may receive up to $500 per item. Limit of $1,000/year.
Cash Advance Features
- Ongoing APR:
- 26.24% Variable±
- Cash Advance Fee:
- Either $10 or 5% of the amount of each transaction, whichever is greater
Security and Protections
The United MileagePlus Club card features online access for customized alerts for your card, a mobile banking app to keep track of your account while on the road, and the added security of chip technology.
- Account alerts:
- Set up alerts for any unusual activity on your account.
- Emi Chip Technology:
- Chip technology adds a layer of security and greater acceptance at chip enabled terminals.
Chip technology adds a layer of security and greater acceptance at chip enabled terminals.
- Chase Mobile Banking App:
- Convenient for checking activity on your United card while traveling.
- Digital Payments:
- Touch and tap for a safe, simple way to pay for your purchases with Apple Pay, Android Pay or Samsung Pay.
- Visa Checkout:
- Pay a variety of online merchants securely with Visa Checkout.
Additional Cardholder Benefits
When using your United MileagePlus Club Visa Signature card for travel purchases, you may receive additional benefits. While these credit card benefits don’t substitute for purchasing comprehensive travel insurance, they can provide additional value.
Visa Signature Travel Benefits
- Auto Rental Collision Damage Waiver:
- Decline the rental car company’s coverage and charge the entire rental to your United MileagePlus Club card. Theft and collision coverage is provided for most rentals in the U.S. and abroad. Coverage is secondary to your personal auto insurance for U.S. rentals.
- Baggage Delay Insurance:
- If bags are delayed over six hours, you’ll receive reimbursement for toiletries and clothing essentials. Up to $100 a day for three days.
- Lost Luggage Reimbursement:
- If you or your immediate family experience lost or damaged luggage, you may receive up to $3,000 per passenger.
- Visa Concierge Service
- Access 24-hour concierge service for assistance securing dinner reservations or popular tickets to entertainment and sporting events.
- Trip Cancellation Insurance:
- If your trip is cancelled or interrupted by a covered situation, such as illness or severe weather, non-refundable travel expenses may be reimbursed up to $5,000.
- Trip Delay Reimbursement:
- For a flight delay of 12 hours or more, unreimbursed expenses may be covered up to $500.
- Travel And Emergency Assistance Services:
- Emergency legal, travel and medical referral assistance is provided. Additional fees incurred for actual services are the responsibility of the cardholder.