United ClubSM Card
Annual fee
US$695
Welcome bonus
90,000
points
Est. 12-mo value
US$475
bonus × ¢/pt − fee
Base ¢/pt
1.30
Foreign txn
0%
Benefits
8 / 10
Welcome Offer
Earn 90,000 bonus miles after qualifying purchases. points
Earn Rates
5xPrepaid hotels (Renowned)
4xUnited purchases
2xOther travel
2xDining
1xAll other purchases
Benefits & Insurance
✓Airport Lounge
✓No FX Fee
✓Car Rental Insurance
·Travel Medical
✓Trip Cancellation
✓Flight Delay
·Mobile Insurance
✓Purchase Protection
✓Extended Warranty
✓Free Checked Bags
Key Perks
No foreign transaction fee
Airport lounge access
Travel program credit (NEXUS/Global Entry)
Statement credits
Food delivery credits
Free first checked bag
Concierge service
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// last updated 2026-02-23 · est. value = welcome bonus × base ¢/pt − annual fee