We devote thousands of hours of research to help you get Big Travel with Small Money. You support us by signing-up for credit cards through partner links which earn us a commission. Here’s our full Advertising Policy.
There’s a new best-ever offer in town!
The sign-up bonus on the United MileagePlus® Club card just got a BIG increase to 50,000 United Airlines miles after meeting the minimum spending requirements. That’s much better than the previous offer which was a $100 statement credit after first purchase!
But the hefty $450 annual fee is NOT waived the first year. And apart from the sign-up bonus, this card is best for folks who like to fly United Airlines or its partners.
50,000 United Airlines Miles With the Chase United Club Card
Right now, you’ll earn 50,000 United Airlines miles when you’re approved for the Chase United Club card after spending $3,000 on purchases in the first 3 months your account is open. This is the best sign-up offer I’ve ever seen for this card!
50,000 United Airlines miles is enough for:
- A round-trip coach award flight to Hawaii
- TWO round-trip coach award flights within the US
- A one-way Business Class award flight to Brazil or northern South America
Check out the full award chart and my guide to United Airlines miles for even more travel ideas. And here’s how to find an award seat on the United Airlines website.
You’ll also get:
- 2 United Airlines miles per $1 spent on United Airlines flights
- 1.5 United Airlines miles per $1 spent on other purchases
- United Club membership worth up to $550
- 1st and 2nd bags checked free when you pay for your ticket with the card (save up to $240 per round-trip flight)
- No close-in booking fees on United Airlines award tickets
- Hyatt Discoverist elite status when you register (bonus points, late check-out)
- Hertz President’s Circle elite status when you register (upgrades, bonus points)
- Priority check-in and boarding
- NO foreign transaction fees
There’s a $450 annual fee with this card. And it is NOT waived. Plus, this card is impacted by Chase’s tougher application rules. So if you’ve opened ~5+ cards from any bank (NOT counting Chase business cards and these other business cards) in the past 24 months, it’s unlikely you’ll be approved for this offer.
Which Lounges Can You Access With the Chase United Club Card?
Link: United Club Locations
You can access United Clubs and Star Alliance lounges with your included Club membership. And, you can bring 2 guests for free (or 1 adult and dependent children under 21 years of age) – to a United Club. Or 1 guest to a Star Alliance lounge.
United Clubs are at every United Airlines hub and most major US airports including:
- Dallas-Fort Worth
- Fort Lauderdale
- Las Vegas
- Los Angeles
- Minneapolis-St. Paul
- New York-La Guardia
- Orange County
- San Antonio
- San Diego
- San Francisco
- Washington, DC – Dulles and Reagan
There are also lounges overseas, including:
- Hong Kong
- Mexico City
To see which lounges you can use, visit this website. Enter your airport (or the one you’re traveling to) and select “United Club” as the “Paid Membership Card” filter. Click “Find Lounges” to see the results.
This is an incredible hidden perk that can come in handy when you fly Star Alliance partners! You can access Star Alliance airline lounges by showing your United Club membership card and a boarding pass for a Star Alliance-operated flight departing that airport.
Keep in mind if you travel with family or large groups, you can only bring 2 guests or 1 adult and dependent children with you to United Clubs. Otherwise, you will pay $59 for everyone over the limit for day passes to the United Club. And you can only bring 1 guest to Star Alliance lounges.
Compare the Perks With Other Cards
Let’s look at a few benefits and see how they compare to other deals.
1. Lounge Access
The biggest perk is the lounge membership to United Club lounges, which is worth up to $550.
Other premium cards with annual fees in this range include a Priority Pass membership that gets you access to 1,000+ lounges in airports around the world. Cards with a Priority Pass membership include:
- Any version of the AMEX Platinum card (the The Platinum Card from American Express, The Business Platinum Card from American Express OPEN, or Mercedes-Benz card)
- Chase Sapphire Reserve
- Citi Prestige
- U.S. Bank Altitude™ Reserve Visa Infinite® Card (4 free entries per membership year for you and 1 guest)
You also get access to 1,000+ United Club and Star Alliance lounges with the Chase United Club card. The biggest difference is with Priority Pass, you can fly any airline. And with United Club memberships, you must be flying on United Airlines or a Star Alliance flight.
So the lounge access perk is fantastic if you fly United Airlines or its partners. Otherwise, you get more flexibility with a Priority Pass membership from other cards.
2. Checked Baggage
You’ll get your 1st AND 2nd bag checked free when you use your Chase United Club card to pay for your tickets. If you’re checking 2 bags, you’d normally pay $60 each way ($25 for the 1st bag, $35 for the 2nd bag). So on a round-trip ticket you could save $240.
Or you can get the United MileagePlus® Explorer Card, which only gets you the 1st bag checked free ($25 each way) when you pay with with the card. But, the annual fee is $95 as opposed to $450 – a big difference!
The Chase United Club card is worth it if you check at least 2 bags. If you only check 1 bag when you fly on United Airlines, you can save more on annual fees with the United MileagePlus® Explorer Card instead.
3. Miles Earning Rate
You’ll earn 2 United Airlines miles per $1 spent on United Airlines flights and 1.5 United Airlines miles per $1 spent on other purchases. Other Chase cards, like the Chase Sapphire Preferred Card or Chase Sapphire Reserve earn 2X or 3X Chase Ultimate Rewards points on nearly all travel purchases. And you can transfer those points directly to United Airlines at a 1:1 ratio.
Plus, the annual fees are $450 and $95, respectively. Here’s my review of the Chase Sapphire Reserve. And here’s what you get with the Chase Sapphire Preferred. For the same or a much lower annual fee, the earning rate is the same or better than the Chase United Club card.
And you can earn 1.5 Chase Ultimate Rewards points per $1 spent with the Chase Freedom Unlimited card. When you pair it with one of the cards above, you can transfer the points you earn to United Airlines. And this card has NO annual fee at all!
Who Should Get This Card?
Considering the $450 annual fee is NOT waived, and the perks are mainly limited to United Airlines, this card is best for folks who already fly United Airlines often. You might also consider this card if you fly Star Alliance partners and want access to their lounges.
It’s also impacted by Chase’s strict application rules. So lots of folks aren’t eligible to apply.
If you haven’t opened more than 5 new cards in the past 24 months, there are better cards out there for most folks. And if you want 50,000 United Airlines miles, the Chase Sapphire Preferred® Card or Chase Sapphire Reserve both come with 50,000 Chase Ultimate Rewards points after completing the minimum spending requirements of spending $4,000 on purchases in the first 3 months from account opening.
Those points transfer at a 1:1 ratio to United Airlines! And, you get the option of transferring your points to other travel partners, like British Airways and Hyatt.
Other folks can do better with other cards. And considering the $450 annual fee is NOT waived, if you want a premium credit card with lounge access, try these instead so you aren’t limited to flying on United Airlines or its partners.
But most folks will do better with other cards, like the Chase Sapphire Reserve card for lounge access. Or Chase Sapphire Preferred for comparable mileage earning. Plus, the Chase Ultimate points you earn with both cards transfer to United Airlines at a 1:1 ratio. And both cards also have a 50,000 point sign-up bonus after meeting minimum spending requirements.
This offer is best for folks who already fly United Airlines and want access to United Club lounges and Star Alliance lounges or their first 2 checked bags for free. But most should skip this offer, especially considering this card falls under Chase’s stricter application rules.
Will you pick up the Chase United Club card or skip it?