United Club℠ Card
Worth ~1.25¢/mi, median of 6 published valuations
- AwardWallet 2.09¢
- One Mile at a Time 1.3¢
- Frequent Miler (RRV) 1.3¢
- The Points Guy 1.2¢
- NerdWallet 1.2¢
- Upgraded Points 1.2¢
Range 1.2–2.09¢. No published value from Bankrate. Checked 2026-10-23. How we use these
See the offer on Chase’s site ↗ Run your own numbers
Source: Chase card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.25¢ per mile (median of published valuations) — see method.
Credits & perks
- Chase also states $750/yr of value for perks such as lounge access (listed below, not in this total)
Which would you actually use?
Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.
Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.
Perks with no stated $ value
Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.
- bags Free first and second checked bags for you and one companion (United: “save up to $440 per roundtrip”)
- boarding Premier Access priority check-in, security, boarding and baggage
- status 1,500 Premier qualifying points (PQP) each year
Source: Chase card page and benefit terms · checked 2026-10-23.
Is the United Club Card worth the $695 annual fee?
It depends on your use: how much you spend and which credits you’d genuinely use. Here is the site’s own math from Chase’s page (checked October 23, 2026) and the median of 6 published valuations (1.25¢). Year 2+ value is each year after the first, after the fee, at our sample profile ($31,100/yr spend).
| Annual fee | $695 |
|---|---|
| Stated credits a year (face value) | $890 |
| Earning a year at our sample profile (incl. any annual bonus points) | $508 |
| Year 2+ value, no credits used | −$187 |
| Year 2+ value, easy credits only (our default, $0) | −$187 |
| Year 2+ value, every stated credit used ($890) | $703 |
Break-even on this spending: the credits and perks you’d really use need to be worth more than $188 a year to you. This compares the card with having no card; a no-fee card would also earn something on the same spend. Tick the credits you’d use in Credits & perks or run your own numbers.
How it earns
- 5x United only Flights (booked with the airline)
- 2x Flights (booked with the airline), Hotels (booked with the hotel), Other travel
- 2x Dining & takeout
- 1x everything else
- Card earns 5x on United purchases; MileagePlus members earn another 6x on fares (not modeled).
Offer details
- 90,000 miles after $5,000 in 3 months
- Plus 10,000 miles after adding an authorized user in the first 3 months
Annual fee $695. Credits from the issuer page are in Credits & perks above.
Questions about the United Club Card
What is the United Club Card welcome bonus?
90,000 miles after $5,000 in 3 months, about $1,125 at the median published point value, per Chase’s card page checked October 23, 2026.
What is the United Club Card annual fee?
$695 a year, as listed on Chase’s page on October 23, 2026.
How much are its miles worth?
About 1.25¢ each: the median of 6 published valuations (range 1.2–2.09¢), checked October 23, 2026.
What credits does the United Club Card include?
$890 a year in stated credits at face value, across 5 credits. By our default (only easy, flexible credits) you’d use $0, so the yearly cost after year 1 is $695.
Is the United Club Card worth the $695 annual fee?
It depends on your use. On Chase’s figures (checked October 23, 2026) the fee is $695 a year against $890 a year in stated credits at face value. At our sample profile ($31,100 a year of spending) its earning (including any annual bonus points) is worth about $508 a year at 1.25¢ per mile, so Year 2+ value is −$187 if you use none of the credits, −$187 with only the easy credits we count by default, and $703 if you’d use every stated credit in full. On this spending it comes out ahead once the credits and perks you’d really use are worth more than $188 a year to you. These figures compare the card with having no card; a no-fee card would also earn something on the same spend.
The math at our sample profile
Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.
| Welcome bonus: 90,000 miles × 1.25¢ | $1,125 |
|---|---|
| A year of earning: 40,600 miles × 1.25¢ | $508 |
| Annual fee | −$695 |
| First year / Year 2+ | $938 / −$187 |
Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.