Chase United Club
$695/year, earning United MileagePlus Miles, on the Visa Infinite network.
Card terms last verified against issuer pages on 2026-09-20.
The Chase United Club is a $695/year card from Chase earning United MileagePlus Miles. It earns 5x on united airlines, 5x on hotel(united), 2x on travel and 1x on everything else. It carries 6 recurring statement credits worth $920 a year, listed in full below with the cap and reset date for each.
What it earns
Rates are the multipliers Chase advertises. We do not convert them into a percentage return, because that requires putting a price on United MileagePlus Miles and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| United Airlines | 5x | |
| Hotel(United) | 5x | |
| Travel | 2x | |
| Dining | 2x | |
| Other | 1x | Everything else |
Statement credits
$920 a year across 6 credits against a $695 annual fee. The columns that matter are the cap and the reset date: a credit paid monthly cannot be saved up, and one that resets on the calendar year expires on 31 December no matter when you opened the card.
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| 1,500 Card Bonus PQP1,500 Card Bonus Premier qualifying points (PQP) each year, applied toward Premier status qualification up to and including Premier 1K. | Once a year | — |
| 10% Off United Economy Saver Awards10% mileage discount when booking United Economy Saver Awards. | Once a year | — |
| 25% Back on United Inflight/Club Premium Purchases25% back as statement credit on food/beverage/Wi-Fi onboard United-operated flights and on Club premium drink purchases when paid with United Club Card. | Once a year | — |
| 10,000-Mile Award Flight DiscountAfter $20,000 in annual purchases, earn a 10,000-mile award flight discount (up to 2 per year). | Once a year | — |
Status and included memberships
- Premier Access Travel Services — Priority check-in, security screening (where available), boarding, and baggage handling on United-operated flights.
- United Club Membership — Unlimited United Club access for primary cardmember and one guest (or dependent children) at 45+ United Club locations worldwide. Standalone United Club membership otherwise costs $750/year.
- Free First and Second Checked Bags — Primary Cardmember and one companion on same reservation each receive their first and second standard checked bags free on United-operated flights. Save up to $440 per roundtrip.
- Visa Infinite Concierge Services — 24/7 Visa Infinite Concierge for travel, dining, and entertainment requests.
- IHG One Rewards Platinum Elite Status — Complimentary IHG One Rewards Platinum Elite status. Enrollment required.
- Complimentary Instacart+ Membership — Complimentary Instacart+ membership (otherwise $99/year). Activation required.
- Premier Upgrades on Award Tickets — Same complimentary Premier upgrades on award tickets as on paid tickets, based on Premier status.
- Avis President's Club Status — Complimentary Avis President's Club status (top-tier elite). Enrollment required.
Questions people ask about the Chase United Club
What is the annual fee on the Chase United Club?
The Chase United Club has a $695 annual fee.
What statement credits does the Chase United Club include?
It carries 6 recurring statement credits worth $920 a year in total: $20 Monthly Instacart Credit ($20 monthly, resets on the cardmember year); $200 Renowned Hotels Statement Credit ($200, resets on the cardmember year); $200 JSX Statement Credit ($200, resets on the cardmember year); $12.50 Monthly Rideshare Credit ($12.5 monthly, resets on the cardmember year); Up to $100 Avis/Budget Credits ($100, resets on the cardmember year); Global Entry/TSA PreCheck Credit ($30, resets on the cardmember year). Verified 2026-09-20.
What does the Chase United Club earn?
5x on united airlines, 5x on hotel(united), 2x on travel, 2x on dining, and 1x on everything else, in United MileagePlus Miles.
Is the Chase United Club worth the annual fee?
Its recurring statement credits total $920 a year against a $695 fee, so the card pays for itself on credits alone if you use 76% of them. Whether that holds depends on whether the specific merchants suit you — the credit table on this page lists each one.
Does the Chase United Club charge foreign transaction fees?
No — the Chase United Club has no foreign transaction fee.
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