Chase / United · card facts

United Club Card

Unlimited United Club access for the primary cardmember plus eligible guest access.

WELCOME BONUS90k milesSpend $5,000

ANNUAL FEE$695First year: $695

CREDITSHard$875/yr advertised

LOUNGE ACCESSUnited Club membership1 adult + dependents under 18

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$1,958

Welcome bonus · TPG est.+$1,125

Full advertised annual credits+$875

Rewards on $36,000 benchmark spend+$652

First-year annual fee−$695

Keep / year · best case credits

+$832

Definitely keep

This recurring estimate uses the full advertised credit amount. The Hard label tells you how realistic it may be to capture all $875 of those credits.

Advertised credits$875

Credit difficultyHard

TPG Aug. 2026 value1.25¢

Annual fee$695

Fee minus advertised credits+$180 credit surplus

Credit details

$875 advertised per year · Hard to use fully

Card creditsVaries · Varies difficulty

$875 advertised

See issuer terms for eligible purchases, timing and restrictions.

Lounge access

United Club membership

Unlimited United Club access; broader Star Alliance access after All Access unlock.

Guest rule1 adult + dependents under 18

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Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.