Chase United Club Card
Chase · Visa · $695 annual fee · earns United MileagePlus, valued at 1.20¢ a point.
Rates checked against the issuer 2026-10. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $390, or −$305 after the fee.
Is the annual fee worth it?
It earns about $390 a year on the illustrative household's spending, which is −$305 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $1,363 a year behind. On earning alone it does not catch up at any level of spending this looks at — its credits and perks have to make up the difference, or the fee is not paying for itself.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Flights | 5x | United Airlines only · United purchases only |
| Hotels | 5x | Only through the issuer's travel portal · Prepaid Renowned Hotels and Resorts stays booked through Chase Travel |
| Flights, Hotels, Public Transit, Rideshare & Taxis, Parking & Tolls, Car Rental | 2x | Other travel — airfare, trains, local transit, cruises, hotels, car rentals, taxis, rideshare and tolls |
| Restaurants & Bars, Food Delivery | 2x | Restaurants, including takeout and eligible delivery services |
| Everything else | 1x |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Restaurants & Bars | $86 |
| Groceries | $72 |
| Everything Else | $72 |
| Flights | $29 |
| Gas Stations | $22 |
| Online Shopping | $22 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- United Club membership for you and a guest
- First and second checked bags free for you and one companion
- Up to $150 a year in rideshare credits, enrolment required
- No foreign transaction fees
Similar cards
- Citi AAdvantage Executive — annual fee $695 a year
- American Express Delta SkyMiles Reserve — annual fee $650 a year
- Bank of America Atmos Rewards Summit Visa Infinite — annual fee $395 a year
- American Express Delta SkyMiles Platinum — annual fee $350 a year
- Every airline card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.