Card economics
United Club Card
Annual fee
$695/yr
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Earn rates
| Category | Rate |
|---|---|
| Dining | 2x |
| Travel - Flights | 2x |
| Travel - Hotels | 2x |
| Travel - Other | 2x |
| Everything else | 1xBase rate |
Fee calculator
Sticker Fee
$695/yr
Credits
-$120
Effective Fee
$575
Credits & Benefits
Max: $120/yr · every_4_years
Up to $120 every 4 years for Global Entry, TSA PreCheck, or NEXUS (~$30/yr effective).
Max: $200/yr · annual
Up to $200/year on prepaid Renowned Hotels & Resorts bookings via United Hotels. Merchant-gated.
Max: $150/yr · annual
Up to $150/year in rideshare statement credits. Enrollment required.
Max: $100/yr · annual
Up to $100/year on Avis or Budget car rentals booked direct. Merchant-gated.
Max: $240/yr ($20/mo) · monthly
Up to $20/month in Instacart statement credits. Requires Instacart purchases.
Max: $200/yr · annual
Up to $200/year on JSX semi-private flights. Merchant-gated.
Card terms verified Jul 20, 2026 against official issuer sources.
Next step
One card is a start. The optimal setup is the whole wallet.
The United Club Card might be great on its own, but the best combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal or is the best setup found within the time limit.
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