Credit Card Updates: United Club Card with 1st Year Fee ($395) Potentially Waived, United Explorer 60,000 Mile Card Now with $50 credit, & $300 Chase Freedom Card

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Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers

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1.   United Club Card With No Annual Fee

Million Mile Secrets reader Byron (thanks!) writes in with a tip on how to get the new United Club card with the $395 annual fee waived for the 1st year if you’re a United elite member.

Chase recently launched the Chase United Club card which offers free access to United lounges, no checked baggage fees for the first AND second bag, United Premier Access, and 1.5 miles per $1 spent on all purchases.

However, the card doesn’t have a sign-up bonus (what?!) and has a $395 annual fee.  You do get a $95 credit, so the 1st year cost is only $300.  You can also buy club access from United for $475 if you’re not an elite member or for  $375 to $450 depending on your elite status.

I’m also kinda cheap and would rather get 12 lounge passes for ~$50, so I wouldn’t sign up for this card,  but this card may be very useful to folks who are Big Spenders and who can take advantage of the 1.5 United miles per $1 spent.  Or for those of you who frequently travel with 2 checked bags.

Of course, you save the full cost of the lounge membership in the 1st year, so this card could make sense for the 1st year.

Anyway, if you’re a United elite member you can get the card with the 1st year annual fee waived by:

Step 1

Logging into your United account.

Step 2

Clicking on this link to the fee-free version of the card.

Click on “Pricing and Terms” to confirm that the 1st year fee is waived.

Not a United Elite?

Folks in this FlyerTalk thread (thanks vilox!) have also pointed out that there might be a way to get the United Club card with the 1st year fee waived even if you’re not an United elite member.

You may be able to stop by a United Club at the airport and get an invitation code from the marketing materials advertising the credit card in the United lounge and respond to this offer for a 1st year fee waived version of the United Club card.

If you recently applied for the United Club card, it doesn’t hurt to send Chase a secure message and ask them to match you to the fee-waived version.  I’m not sure if they will match you!

2.   United Explorer Card with 60,000 miles AND $50 statement credit

Million Mile Secrets readers T and Jay (thanks!), shared a link to get to the 60,000 mile version of the United Explorer credit card WITH a $50 statement credit as well.

I added their link to my earlier post on the United 60,000 mile post. 

You have to first log into your United account (with more than 1 mile in it), and THEN click on the link to see the United 60,000 mile offer with the $50 statement credit.

If you still can’t see the offer, you may be able to apply for the 40,000 version and then ask Chase to match you to the higher offer.  While Chase will match you to the 60,000 mile version, I’ve read mixed success with asking for the $50 statement credit.  But, as always, it doesn’t hurt to ask!

3.   Chase Freedom $300

Thanks to amolkold for tweeting me with a link to the Chase Freedom $300 (or 30,000 Ultimate Rewards Points) offer.  As always, I updated the Bank Points Credit Card tab as soon as I found out about the better offer.

Bottom Line:  If you do decide to apply for any of these cards, don’t forget to take a screenshot.

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49 responses to “Credit Card Updates: United Club Card with 1st Year Fee ($395) Potentially Waived, United Explorer 60,000 Mile Card Now with $50 credit, & $300 Chase Freedom Card

  1. Pingback: Morning Credit Card News for April 3, 2012 - View from the Wing

  2. Would this give us access to only United Clubs or to US Airways and other Star Gold lounges as well?

  3. Does having the Continental Onepass Mastercard in the past prevent a successful United Explorer application? I closed the account before it converted to a United Card, but strangely enough the card still appears when I log in to Chase Online and it says United… (It does indicate being closed, it just says United where it used to say Continental).

    • @Nick Handy – The terms say (bolding mine): “As a MileagePlus Club Card member, you and your eligible travel companion have unlimited access to more than 50 United Club locations, as well as access to participating Star Alliance® affiliated lounges around the globe.” You do get access to US air lounges if you’re not flying on US Air, but have to be flying on a Star Alliance flight to get access to the international Star Alliance lounges.

      @Brandon – The terms on the United Explorer say that you can’t get both the bonus on the Continental card and on the United Explorer, but I’ve read accounts of folks who’ve got both bonuses. But it is a YMMV (your miles may vary) situation!

  4. With the club card – gets you and a companion into the lounge. What if you have two cardholders – like if I get a second card for my spouse? Can my spouse get into the lounge solo?

  5. looks like the chase freedom $300 bonus doesnt work anymore 🙁

    link for the CHase freedom 200$ incase you need it

  6. Just an FYI, but as a new United MileagePLus member who signed up on the 40K offer, one Secure Message and an attachment of the 60K offer and Chase honored both the 20K additional miles and 50 dollar statement credit.

  7. Called United Explorer for the $50 statement; they offered 2500 miles instead.

  8. Has anyone applied to both promotions or does anyone know if it will work with both the Explorer card and the Club card?

  9. Unfortunately, that Chase Freedom 30K was very short-lived. I was able to get a friend to apply and he was approved with got the 30K bonus confirmed.

    I just got approved for the 50K + $50 United offer, with a temporary credit limit of $4K. Does that mean it’s not going to be a Visa Signature? I have two Chase cards already with $10K each, so would it be possible to move credit lines around from those (thinking of closing one anyway)?

  10. Success – I just received the message from Chase for the bump of $50 credit. Thanks MMS 🙂
    P.S. I applied for the Continental Onepass which was recently converted to United Explorer.

  11. I also received confirmation of the 50 dollar credit. WHat is interesting is that I emailed to get it after having applied for the CONTINENTAL version of the card on Feb 27 2012 and it converted to a united explored card in early march.
    See below

    Dear Mike Fein,
    Thank you for your recent inquiry on your MileagePlus
    Explorer credit card account.
    As you requested, I have applied a $50.00 statement credit
    to your account. You will see this adjustment on your next
    billing statement.
    If you have any further questions, please reply using the
    Secure Message Center.
    Thank you,
    Krystyna Rezendes
    Email Customer Service Representative

    Original Message Follows:
    I recently opened a continental which “became” an explorer card .
    While I received the 60k miles bonus offer there wasnt a
    50 dollar statement credit option at the time I opened
    the card barely 5 weeks ago. I also added authorized user
    recently. I was wondering if as a loyal customer, Chase
    would match the 50 dollar credit statement offer which became
    publicly available on the same award bonus.
    Thank you for considering.
    Mike Fein

  12. I got the complimentary united club passes through applying the new united explorer card (thanks to millionmilesecrets!)…can I use the passes at star alliance lounges abroad or only in united club in the US? Can’t seem to find info online…

  13. @AK theres been some people that were still able to get the 30K bonus from chase freedom after applying via phone using this number (800) 795-6307.worth a try i think…

  14. do you lose the united miles if i close theUNITED MIELAGE EXPLORER CARD when annual fee kicks in?
    i ‘d like to apply for this card but may close it next year and fear is lose the 50k miles.

    what is good with advantage mile is close the citi aadvantage card but keep the miles.

    thanks for any answer

    • @Jon – Good question. I don’t know, but I’ll ask and get back to you.

      @danilo – It was very short lived! I’ve updated the Banks Points tab with the $200 Chase Freedom

      @Stephen @Lee @mike fein @andrew – That’s great! Thanks for sharing.

      – Try sending a secure message.

      @Tony – I suspect that you could get both offers if you get approved. I don’t see any restriction for getting the bonus on only the Explorer or Club card and not the other.

      @AK – Did you got instant approval and are referring to the amount shown in the approval screen? That may change when you get the card so I wouldn’t rely on it. But usually, if your credit line is less than $5K, it is not a Visa Signature (but Chase will give you the full bonus unlike Barclays or Bank of America).

      @guest – I believe the 1 day passes are valid only in United Clubs. “This pass will allow one person one-time access to any United Club location.”

      @danilo – Thanks for sharing!

      @jim – You won’t lose the miles if they are in your United account and you close the card a few months before your annual fee is due. However, I’d keep the card open for at least 6 months.

  15. Pingback: Chase Ink Bold with 60,000 Point Bonus (10,000 more than regular offer) | Million Mile Secrets

  16. Thanks. I received the $50.00 credit on one of my accounts. I am waiting for a response on my wifes. Thanks again!

  17. @Jon I asked about that when activating, and only the primary cardholder gets the United Club membership, and it’s tied to your MileagePlus number. So primary cardholder+guest, and the primary must be there.

    He was also going over my benefits with me on the phone and said I’ll get 10k miles after my first purchase. I didn’t see that mentioned anywhere, but it’s a nice bonus.

  18. Just got my $50 bonus for united card! Thanks!

  19. @MMS – I got the $4K limit on the instant approval page, but it also shows up as $4K on my Chase online account (I don’t have the card yet). As long as I get the 50K miles, it shouldn’t be a problem … don’t plan on using this card much.

    • @alan – Thanks for sharing. Nice to know about that extra 10K points.

      @webazoid – Glad it worked out!

      @AK – You’ll get your 50K miles. Chase doesn’t do the bait and switch like the other banks do.

  20. Pingback: Chase United MileagePlus Club Card Details Released | InACents: Save Money, Travel More

  21. Pingback: Hack My Trip - Spring App-O-Rama - Hack My Trip

  22. hey darius, do you know for the unitedplus chase card , when should you receive the 2 free united club passes? i believe it says 6-8 weeks but have you received yours? thanks

  23. Pingback: 6 Free Codes to the United Club Card | Million Mile Secrets

  24. the link to the 1st year free club card worked for me. Now to figure out how the reimbursment of my current club membership will work 🙂

  25. Ah. Apparently the reimbursement is automatic and I’ll get a check.

    BTW it’s worth noting that the benefits associated with this card include rental car insurance, but it’s *secondary*. A conversation with Chase yesterday revealed that only their Explorer card provides primary insurance on rental cars. So I’ll be keeping an explorer card too, I suppose.

  26. Thanks for posting the link to the United Club Card with the waived annual fee. I was debating whether to apply since the application had a checkbox to confirm you had not been denied credit by Chase within 6 months, which I was a couple months ago for the United Explorer Card (I already had the Continental card so I didn’t bother to follow-up) and I had just been denied again and called the reconsideration line a couple weeks ago to get the Sapphire card approved. I left the box unchecked and was happily surprised to get an instant approval!

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  28. Further notes:

    Despite what Chase said on the phone, the documentation says that the Club Card rental car insurance is primary, just like the explorer card. So, other than the mileage bonus, this card has everything the explorer card has, plus the RCC membership.

    Pro-rated credit for my existing RCC membership posted back to my Amex card about a week after I got the Club Card. The new membership card has not yet arrived.

  29. Pingback: Get 15 Months of Membership to the United Club for Only $300! « Point Rich, Cash Poor

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  31. We have United Presidential Plus and my husband is the main person on the card, but I’m a cardholder as well. Can I use the lounge with my card if I’m flying United without him?

  32. Not fair. I spend a lot on that card too! LOL Maybe I’ll get a day pass since I have access when we travel together…

  33. And now for a much-delayed report on the Club Card. On a recent trip to Hawaii my rental car was attacked by a falling rock and a tire blew out. I’m still in the process, but the enhanced rental car insurance with the Club card says it will pay the whole thing (Just $275, so not bad) with no deductible, once the paperwork is sorted out.

  34. No big deal.

    It occurs to me that the primary insurance for rental cars, with no deductible, is a benefit not touted enough. And it seems like it’s only the Chase Explorer and Club card that have it.

    The deductible on my own car insurance is higher than the $275 bill for a new tire. It’s not impossible that the insurance coverage for this issue hasn’t in fact compensated for $275 of the $395 annual fee on this card.

    I’ve been pretty lucky over the years with rental cars – in fact this is the first issue I can recall. But life is random and stuff happens. Not having your personal insurance rates go up because of a fender-bender with a rental car is a pretty amazing benefit.

    • @rob – The Ink Bold/Plus also offer primary insurance coverage on business rentals (not personal) and so does the AA MasterCard and a few other cards. I wouldn’t go out of my way to get a card with primary insurance coverage, but I’d use a card with primary insurance cover if I had one for car rentals.

  35. Indeed. Also, oddly enough, Mileage Plus Explorer cards.

    Given the number of times that their documents talk about “abiding by the terms and conditions” I’d be very wary of using my Ink Bold and claiming the rental was for business if it was a personal trip, even though I’ve my own business.

    I just had a chat with a gal at “Enhancement services” about rental car coverage, to confirm that it applies in New Zealand (it does) and also asked her about my Citibank Visa Signature. Apparently not all Visa Signature cards are alike, as the Citibank one is secondary to normal auto insurance within the USA, and primary outside. Of course, it’s not a card you’d take outside the country as it has foreign exchange fees…

    • @rob – I meant the Citi AA business MasterCard, not the personal MasterCard which doesn’t have it. The primary rental insurance is a strange beast with different cards having slightly different language in the terms and conditions.

  36. Sorry – I was going to point out that I realized you didn’t mean the personal Visa – I was more reporting on what I discovered.

    Yeah – primary rental insurance is definitely strange. Not very important if you don’t rent many cars, but amazingly useful if you do. It’s particularly rare to find the useful combination of no foreign transaction fees *and* primary rental car insurance. This primary insurance also covers something obscure that most personal auto insurance won’t cover – loss of use costs. In Arizona, and perhaps other places, the rental car companies will charge you for “loss of use” time. If the car is out of the rental rotation for a week they’ll charge you for that week. The enhanced coverage explicitly covers that loss of use charge.

    The more I look at that, the more value I think the Mileage Plus Club card has for me. As I observed, it’s pretty much paid for itself for the next year just with that blown tire…. Oddly, the United Club benefit (and corresponding star alliance club access) while nice, is something one can acquire other ways.

    Anyway… life is much more interesting with choices!

  37. And three weeks later all is sorted out. I could have paid the $275 with my credit card and gotten points, and had the check mailed to me, but for this experiment I wanted to stay out of the middle and let Avis and Visa sort it out. Just received in the mail a photocopy of the check sent to Avis. They even covered the 1/2 day loss of use charge.

    It’s hard to fully analyze the value of this benefit, as opposed to the secondary insurance offered by most, but for me it feels better not to ever have to inform my personal car insurance company, even if their answer will be “below the deductible” so I have to go to the credit card anyway. Insurance companies don’t hesitate to increase your premiums “just because”. Having Visa just deal with it is a lot easier.

    And, unlike AMEX insurance (secondary or the rental-car add-on you can buy for $25) Visa will cover the rental car I take in New Zealand next month. Given the whole “drive on the wrong side of the road” thing, last time I was there I chose to buy the insurance. This time I’ll let Visa deal with any problems (not that I had any last time)…

    Chase (and Visa Signature/platinum/whatever) are replacing AMEX as my travel cards. AMEX still had them beat for ease of process when dealing with extended warranty stuff, but perhaps that’s changed too… Pretty soon I’ll have to consider whether keeping AMEX at all is worthwhile.

    • @rob – Thanks for that update and good to know that it worked out. Insurance companies raise rates quote frequently, so it is possible that your rate could have increased by more than $275 over a year if you reported the claim. Thanks again for sharing your experience.

  38. Looks like a no go to me. The reply message from chase CSR attached below.


    Dear [name],

    Thank you for contacting Chase about your interest in our
    MileagePlus® Club credit card.

    Please understand that the MileagePlus Club card with the
    first year annual fee waiver promotion is a targeted

    If you were not personally solicited for this offer, we
    welcome you to apply for the MileagePlus Club card that
    currently offers a statement credit. You can apply online
    by visiting our website at or
    calling 1-888-744-6899.

    However if you get solicited for the first year annual fee
    waiver promotion after you apply, we will be happy to
    honor that new offer for up to 90 days after your account
    is approved and with a copy of the new offer.

    If you have other questions, please call us at the number
    on the back of your card. We are here to assist you

    It has been my pleasure to assist you. If you have any
    further questions, please reply using the Secure Message

    Thank you,

    Jeanna Halbmaier
    Customer Service Specialist