Chase United MileagePlus Club Card

Chase United MileagePlus Club Card Review


Chase United MileagePlus Club Card

Every airline credit card offers frequent flyer miles for dollars spent. What makes a travel rewards credit card stand out, however, is the number of miles offered and the non-mileage perks granted to cardholders. Extra bonus miles can add up, especially if you are among the consumers who put most of your expenses on a reward card – you may find yourself taking an extra trip or two each year.

Presently, the Chase United MileagePlus Club Card offers some of the best benefits of any airline card, including generous mileage rewards.

Key Features

  • Earn a 50% Mileage Bonus. For each dollar spent, cardholders receive 1.5 miles in United’s MileagePlus program and 2 miles per dollar for charges to United Airlines.
  • Annual United Club Membership. The big perk for this card is the membership to United Club and Star Alliance airport lounges around the world. The benefit extends unlimited entry to the cardholder and one companion.
  • Premier Access Priority Airport Services. Cardholders enjoy priority check-in, security, boarding, and baggage handling every time they fly on United.
  • Two Checked Bag Fee Waivers. Cardholders are exempt from bag fees when they use their card to purchase tickets on United.
  • Waived Award Travel Fees. When cardholders redeem miles for last-minute tickets, United waives their customary “close-in booking fee.” The charge is normally $75 for non-elite members who book travel within 21 days.
  • Hyatt and Avis Benefits. Cardmembers are automatically extended invitations to join the Hyatt Gold Passport program at the “Platinum” level, and are given preferred service with Avis Rent A Car.
  • Fees. There is a $395 annual fee, but there are no foreign transaction fees for purchases processed outside of the United States.


  1. Enjoy Most Benefits of United Elite Status. Many travelers don’t fly often enough to earn elite status in United’s frequent flyer program, but still want to receive the benefits. With the exception of first class upgrades, this card offers virtually all benefits extended to MileagePlus elite travelers.
  2. Less Expensive Than a Club Pass. Anyone who would purchase a United Club pass might as well just get this card. The annual fee of $395 is less expensive than the pass itself, which costs $475.
  3. Great Mileage Earning Rates. Most airline cards offer only one mile per dollar spent. This card’s offer of 1.5 miles per dollar allows customers to earn awards at a much faster rate.
  4. Elite Status for Hotels and Car Rentals. Extending elite status to Hyatt and Avis allows cardholders to enjoy priority service, as well as room and car upgrades at their destination.


  1. No Sign-Up Bonus Miles. While the standard United MilegePlus Explorer Card offers a generous sign-up bonus of up to 40,000 frequent flyer miles, this card only offers a $95 statement credit that takes a small bite out of the first year’s annual fee.
  2. No Elite Status Miles. Competing cards from Delta and American Airlines offer special miles that help customers reach the airline’s elite status sooner. This card does not.
  3. No Promotional Financing Offer. Many credit cards come with a 0% APR for a limited time on purchases and balance transfers. This card does not.
  4. High Annual Fee. There is no escaping the fact that cardholders must pay nearly $400 a year for all these privileges. Unless you expect to see substantial value from the benefits, this card is not for you.

Final Word

It really does make a difference to be afforded every possible perk when you travel. By combining a United Club pass with most of the benefits of elite status, holders of the United MileagePlus Club credit card can enjoy nearly every advantage of being a frequent flyer without having to fly frequently.

Have you used the Chase United MileagePlus Club Card? What has your experience been like?

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.



  • Kerry

    Horrible horrible customer service!!!! First experience: when United (ugghh) and ContinentL merged, they sent us a code to waive the $450 fee to transfe from Amex Platinum. Husband couldn’t find magic code. United sent us the card, which I never activated. They send me a bill for the $450. They ultimately hand it over to collections. Did I mention I NEVER activated the card????
    Fast forward to August 2015. I decide to get the United Club card… We travel and live in Houston. (And spend over $100k on our card… I have 500,000 points on Amex) husband says he read somewhere they will waive $450 fee because he’s a Premier Platinum (I think that’s the metal) I call club card rep. She says “yes, they will waive the fee, let me transfer you to chase”. The person she transfers me to is awful! Rude, rude, rude. She (in a condescending tone) says that they never, ever waive that fee. She then (after about ten minutes of horrible customer service) says she’ll transfer me to United Club…. Back to the woman who transferred me to her.
    I can’t stand these people. They seem to forget I can spend my $100k elsewhere. This is United for you!
    I’m canceling my card.