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Card economics

United Club Card

ChaseVisaUnited MileagePlusExcellent credit

Annual fee

$695/yr

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Welcome offers change frequently — check the issuer's page for the current offer.

Earn rates

Earn rates for United Club Card
CategoryRate
United Renowned Hotels & Resorts5xPortal only
Other United Purchases5x
United Airfare5x
Dining2x
Flights outside issuer portals2x
Hotels outside issuer portals2x
Other travel outside issuer portals2x
Travel - Car Rentals / Agencies / Cruises2x
Tours & Activities (booked direct)2x
Everything else1xBase rate

Fee calculator

Sticker Fee

$695/yr

Credits

-$120

Effective Fee

$575

Credits & Benefits

Global Entry / TSA PreCheckEasy

Max: $120/yr · every_4_years

/yr

Up to $120 every 4 years for Global Entry, TSA PreCheck, or NEXUS (~$30/yr effective).

Renowned Hotels & Resorts CreditConditional

Max: $200/yr · annual

/yr

Up to $200/year on prepaid Renowned Hotels & Resorts bookings via United Hotels. Merchant-gated.

Rideshare CreditConditional

Max: $150/yr · annual

/yr

Up to $150/year in rideshare statement credits. Enrollment required.

Avis/Budget Car Rental CreditConditional

Max: $100/yr · annual

/yr

Up to $100/year on Avis or Budget car rentals booked direct. Merchant-gated.

Instacart CreditConditional

Max: $240/yr ($20/mo) · monthly

/yr

Up to $20/month in Instacart statement credits. Requires Instacart purchases.

JSX CreditConditional

Max: $200/yr · annual

/yr

Up to $200/year on JSX semi-private flights. Merchant-gated.

Catalog record last reviewed Aug 2, 2026. Issuer terms and available offers control and may change.

Official issuer page

Next step

One card is a start. The modeled setup is the whole wallet.

The United Club Card might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.

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