Updated April 13, 2026.

The Facts

• Annual Fee: $695; free authorized users who won't receive United Club membership.

• Signup Bonus: 115,000 miles + 3,000 PQP after you spend at least $5,000 within 3 months of new account opening. This bonus is not available if you currently have this card or have received a signup bonus for this card in the past 24 months. Based on anecdotal reports, this card is subject to Chase's 5/24 rule (you won't be approved for this card if you have opened 5 or more new accounts within the past 24 months; any new account with any issuer will count, not just with Chase; new accounts include most credit cards and charge cards but exclude non-Chase business cards and store charge cards). Historical best bonus of this card: (1) 120K miles in 2022; (2) 115K miles + 3K PQP in 2026; (3) 100K miles several times in past years; (4) 75K miles in 2020; (5) waived first year annual fee several times in past years.

• Application Landing Page

• Rewards: 8x miles on United flights for primary cardmembers, 5x on other United purchases (e.g., non-airfare purchases, purchases made by authorized users), 5x on prepaid bookings through Renowned Hotels & Resorts, 2x on dining & other travel, and 1x everywhere else.

• Best Use of MileagePlus miles: MileagePlus (MP) is the frequent flyer program of United Airlines, a member of Star Alliance. United miles are generally valuable for redeeming on United or partner metals.

• Annual/monthly Credits: (1) Up to $200 Renowned Hotels & Resorts credit for prepaid booking each membership year. (2) Up to $200 JSX credit for semi-private jet service each membership year. (3) Through 12/31/2027, up to $240 Instacart credits each calendar year ($20 per month) and complimentary Instacart+ membership offering 0 delivery fees. (4) Up to $150 rideshare credit ($12 per month Jan-Nov and $18 for Dec). (5) Up to $100 Avis/Budget credit ($50 United Travel Bank cash each on the first two purchases through United Travel car rental portal).

• United Airlines Benefits: (1) The major perk with the high annual fee is of course the annual United Club membership which gives complimentary access to 50+ United Club lounges for the primary cardmember plus one adult guest and dependent children. Unlock United Club All Access membership when you spend at least $50,000 each calendar year, allowing two adult guests for free, access to 200+ Star Alliance lounges, and 4 United Club passes. Please see our featured review to learn more about airport lounge access. (2) Premier Qualifying Point (PQP) earning: a 1,500 PQP jump start each calendar year, and you earn 1 PQP for every $15 you spend on the card, up to 28,000 PQPs (up to $420K spending) in a calendar year. FYI United MileagePlus Premier Silver, Gold, Platinum, and 1K status requires 6K, 12K, 18K, and 28K PQPs, respectively. (3) Up to two 10,000-miles award discounts on United flights each calendar year (earn a 10,000-mile discount after spending $20,000, up to two times per calendar year). 10,000-mile discounts will be deposited into your United account 6-8 weeks after you reach the spending threshold and will expire after 12 months from issuance. (4) Save 10% miles on United flights for primary cardmembers without MileagePlus Premier status, or 15% miles on United flights for primary cardmembers with United Premier status. (5) Save 10% miles on United Economy Saver Award bookings within continental U.S. and Canada (older benefit continuing to exist in T&C but superseded by (4) in practice). (6) Premier Access priority airport services including priority check-in, security screening, boarding (Group 2), and baggage handling when traveling on United metals for you and your companions on the same reservation. This is essentially the same treatments as United elite members receive. (7) Free first and second checked bags for you plus one passenger on your reservation. (8) United Premier upgrades on awards tickets for the primary cardmember who is also a United Premier elite, plus a companion on the same reservation. (9) No blackout dates or restrictions for awards tickets. (10) 25% back on food & beverage and Wi-Fi on United operated flights.

• Hotel Privileges: (1) Visa Infinite Privileges at Relais & Chateaux (a collection of 500+ high-end luxury boutique hotels worldwide): a VIP welcome at all hotels (unique to each property) and complimentary breakfasts at 120+ participating hotels. Visit relaischateaux.com/visainfinite-us for details. You will also be accelerated to its Club 5C status after staying 2 nights in a 12-month period. Relais & Chateaux's Club 5C is by-invitation only if you don't have a Visa Infinite and normally requires staying 15 nights per year; perks include room upgrades upon availability, and "Discovery Privilege" unique to each property. (2) Renowned Hotels & Resorts (RHR), rebranded from Chase Luxury Hotels and Resorts Collection for Chase United cardmembers, offering perks such as daily complimentary breakfasts for two, room upgrades upon availability, early check-in and late check-out upon availability, and property specific amenities (such as a $100 spa/dining/hotel credit per stay), at over 1,000 luxury hotels and resorts worldwide. You may book a hotel on RenownedHotels.com and the rates are mostly the same of the Best Available Rates (BAR, i.e., refundable flexible rates set by the hotel) and include taxes, resort fees, etc. (3) Visa Signature Luxury Hotel Collection which offers perks including daily complimentary breakfasts for two, room upgrades upon availability, late checkout upon availability, $25 food and beverage credit per stay, free room wi-fi, and VIP amenities, at over 900 luxury hotels and resorts worldwide. You may book a hotel on VisaSignatureHotels.com and the rates are the same as BAR. Note that the coverage and perks are different from LHRC's, but some hotels participate in both programs. (4) Visa Infinite Luxury Hotel Collection which covers a subset (200+) of Visa Signature hotels but offers an extra property specific perk like a $75 food and beverage credit or a $100 spa/hotel/rate credit per stay. You may book a hotel a VisaInfiniteHotels.com, and the rates are the same as BAR. (5) Complimentary IHG Platinum status, which is not as lucrative as other top-tier status in the industry, because IHG's real deal is InterContinental Royal Ambassador which can't be obtained in any way by a credit card. In addition, earn $75 statement credits for IHG purchases charged to the card in 2022. (6) Complimentary Avis President's Club status, with two-car class upgrades, guaranteed car availability, expedited rental service.

• Other Visa Infinite Benefits: (1) Visa Infinite 24/7 Concierge Service. (2) Visa Infinite Car Rental Privileges at Avis, National, and SilverCar.

• Other Benefits: (1) Waived foreign transaction fees with an embedded EMV chip. (2) Primary rental car collision coverage. Note while most credit cards provide rental car insurance, they are secondary, meaning your personal insurance's collision damage coverage kicks in before the credit card's. Please see our featured review on credit cards that come with primary rental car insurance for details. (3) Up to $120 application fee reimbursement for Global Entry or TSA PreCheck every four years. (4) United Card Events from Chase for private, curated once-in-a-lifetime experiences. (5)

• Protection: United Club Visa offers the second highest level of consumer and travel protection among Chase cards.

• Other Facts: this card has a metal design and weighs about 13 grams, much heavier than regular plastics weighing 5 grams.

• The History: In 2012, Chase United MP Club Card replaced Chase Continental Presidential Plus (the old United MP Club Visa was discontinued for about a year before the introduction of the new Club Card) and it has many similar features as its predecessor. In June 2015, Chase increased the annual fee from $395 to $450. In March 2020, Chase upgraded the card from Visa Signature to Visa Infinite and increased the annual fee from $450 to $525, changing rewards structure from 2-1.5 to 4-2-1. In September 2021, Chase added a few minor perks to the card, including 10% discount on economy Saver Awards, companion upgrades for cardmembers that are also United Premier elites, a one-time 10K miles bonus for CLEAR, and IHG Platinum status plus IHG $75 annual credits. At about the same time, cardmembers lost the complimentary Hertz's top tier President's Circle status. In March 2025, Chase introduced another revamp of the card by increasing the annual fee from $525 to $695, adding various annual credits ~$900 ($200 for RHR, $200 for JSX, $240 for Instacart, $150 for rideshare, $100 for Avis/Budget), 5x miles on RHR purchases, and enhanced PQP earning capability (1 PQP per $15 spent instead of per $24 previously), 10K-mile discount per $20K spending (up to twice per year), but taking away Star Alliance lounge access for cardmembers who don't spend at least $50K per year. Effective April 2, 2026, United introduced enhanced benefits for Chase United cardmembers who will earn additional 3x miles on United flights over non-cardmembers, save 10% miles on United awards flights over non-cardmembers (15% for elite cardmembers), and gain greater access to business class Polaris saver awards.

The Math
Chase United Club Visa has a hefty $695 annual fees and up to ~$900 annual credits which can't be taken at face value. You will need to decide your own value for these credits. For example, we value them at $300 so the effective annual fee becomes $395 for us. With that, it offers a great 8/5/2/1 rewards earning structure, United Club access, PQP earning opportunity, 10-15% miles discount on United flights, 10K-mile discount per $20K spent (up to twice per year), and hotel and car rental privileges. For an United flyer who also travels internationally frequently, spending $50K per year may justify due to the All-Access membership with expanded lounge coverage through Star Alliance partners.

To see how Chase United Club competes with other cards with similar annual fees, please check out our featured review Comparing High-end Cards covering Amex Platinum Card, Amex Delta Reserve, Amex Hilton Aspire, Amex Marriott Brilliant, Chase Sapphire Reserve, Chase United Club, Citi Prestige, Citi AA Executive, U.S. Bank Altitude Reserve, CNB Crystal, and MasterCard Black Card.

The Conclusion
If you are a United flyer who needs United Club access, the new United Club Visa Infinite (2020-) is very likely your only choice unless you qualify for the exclusive JPM Reserve.