Is the United Club Card subject to Chase 5/24?

Yes, the United Club Card is generally subject to Chase's 5/24 rule. This means you are unlikely to be approved if you have opened 5 or more personal credit cards from any issuer within the last 24 months.

What credit score do I need for the United Club Card?

To be approved for the United Club Card, you typically need an excellent credit score.

Can I get the United Club Card bonus twice?

You are not eligible for the welcome bonus if you currently have the United Club Card or if you received a new cardmember bonus for this specific card within the last 24 months.

What is the annual fee for the United Club Card?

The United Club Card has an annual fee of $695.

Does the United Club Card have foreign transaction fees?

No, the United Club Card does not charge foreign transaction fees, making it a good option for international travel.

United Club Card: 90,000 Miles Bonus & Lounge Access

Q: How much do I need to spend to earn the United Club Card bonus?

To earn the 90,000 bonus miles, you must spend $5,000 on purchases within the first 90 days of opening your account.

The United Club Card offers a substantial welcome bonus of 90,000 United miles, estimated to be worth $475, as of June 2026. To earn this, you'll need to meet a $5,000 minimum spend within 90 days. Eligibility is strict: you must have excellent credit, not currently hold this card, and not have received its bonus in the last 24 months. Chase's 5/24 rule also generally applies. While the $695 annual fee is high, the card's premium benefits, including United Club membership, can make it worthwhile for frequent United flyers who can leverage the perks.

Current Welcome Bonus & Value

As of June 2026, the United Club Card offers a welcome bonus of 90,000 United miles. This bonus is estimated to be worth $475 towards travel. Additionally, you can earn an extra 10,000 bonus miles by adding an authorized user to your account within the first three months.

Minimum Spend to Earn It

To qualify for the 90,000 bonus miles, you must spend $5,000 on purchases within the first 90 days of account opening.

Who's Eligible?

Earning the United Club Card bonus comes with specific application rules:

Chase 5/24 Rule: You will generally not be approved for this card if you have opened 5 or more personal credit cards (from any issuer) in the last 24 months.
Previous Cardholder Rule: You are not eligible for this bonus if you currently have the United Club Card.
Previous Bonus Rule: You are not eligible for this bonus if you have received a new cardmember bonus for the United Club Card within the last 24 months.
Credit Score: An excellent credit score is typically required for approval.

Is It Worth It? (Pros/Cons)

Deciding if the United Club Card is right for you depends on your travel habits and ability to leverage its premium benefits.

Pros

Significant Welcome Bonus: A 90,000-mile bonus can provide substantial value for United flights.
United Club Membership: The card's primary benefit is complimentary United Club membership, offering access to lounges worldwide.
No Foreign Transaction Fees: Ideal for international travelers, as you won't incur extra charges on purchases made abroad.

Cons

High Annual Fee: The card carries a substantial $695 annual fee, which must be offset by the benefits you use.
High Minimum Spend: A $5,000 spend requirement in 90 days is considerable and requires careful planning.
Chase 5/24 Restriction: This card counts towards your 5/24 limit, potentially impacting eligibility for other valuable Chase cards.

How to Apply

To apply for the United Club Card, visit the official Chase website or a Chase branch. Ensure you meet all eligibility criteria, especially the Chase 5/24 rule and the 24-month bonus rule, before submitting your application.

Alternatives

If the United Club Card isn't the right fit, or if you're looking to diversify your points strategy, consider these related cards:

United Explorer Card
United Quest Card
United Gateway™ Card
IHG Premier
IHG One Rewards Premier Credit Card
Marriott Bonvoy Boundless® Credit Card

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

United Club Card — 90,000 miles bonus