Our illustration in the card’s colours, not its design
Chase credit card
United Club Credit Card
- APR up · 19.74% to 19.99% · Oct 10, 2026
- Bonus up · 90,000 to 100,000 · Oct 2, 2026
$695 a year. 100,000 United MileagePlus miles after you spend $5,000 in 3 months. Purchase APR 19.99–28.49%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · chase.com
“Earn up to 100,000 bonus miles”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · sites.chase.com
“$695”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · chase.com
“19.99%– 28.49% variable APR. †”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · sites.chase.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Chase’s terms
Welcome offer
100,000 miles
After you spend $5,000 on purchases in your first 3 months.
- Spending it takes
- $1,667 a month
- for 3 months
- Tracking since
- Oct 2, 2026
- history will chart every change
The 10,000-mile authorized-user bonus is awarded once for the first authorized user added. Bonus miles do not count toward Premier status. The account must be open and not in default at fulfillment; if it is not open for at least 6 months, Chase and United reserve the right to deduct the bonus miles.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“This card product is available to you if you do not have this card and have not received a new Cardmember bonus for this card in the past 24 months.”
The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$565 | −$565 | |
| Typical spender | $660 | −$340 | |
| Heavy spender | $1,615 | $615 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.
−$565a year
The same in the first year and after.
Rewards and credits$130
−$565 after the fee−$695 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.
−$340a year
$660 the first year, with the welcome bonus.
Rewards and credits$355
−$340 after the fee−$695 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$615a year
$1,615 the first year, with the welcome bonus.
Rewards and credits$1,310
You keep $615−$695 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
- Lower top APR than about 35% of the 163 cards on our Sign-up bonuses list (see the list).
Other miles cards with fees over $300
- Capital One Venture X BusinessCapital One · $395 a year+$600 a year
- Capital One Venture X RewardsCapital One · $395 a year+$545 a year
- Delta SkyMiles PlatinumAmerican Express · $350 a year+$400 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
United MileagePlus
How you earn
- 11×
- 11x total miles on eligible United flights - 6x miles on the Primary Cardmember's fare from United as a MileagePlus member, plus 5x miles on entire United purchase with United Club Card. Mileage earning differs for Basic Economy or base option tickets. Premier members earn even more.
- 5×
- 5x miles on all other eligible United purchases.5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers.
- 2×
- 2x miles on all other travel including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.2x miles on dining including eligible delivery services.
- 1×
- Everything else
Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.
Benefits
- Renowned Hotels and Resorts statement credit: $200 annual
- Rideshare statement credit: $150 annual
- JSX statement credit: $200 annual
- Global Entry, TSA PreCheck or NEXUS application fee statement credit: $120 every 4 years
- Trip cancellation: Up to $10,000 per covered traveler and $20,000 per trip
All 12 benefits
- Baggage: Up to $100 per day for up to 3 days
- Baggage: Up to $3,000 per covered traveler
- Trip delay: Up to $500 per covered traveler
- Rental car: Up to $60,000 for vehicles with an MSRP of $125,000 or less
- Purchase protection: Up to $10,000 per item
- Return protection: Up to $500 per item and $1,000 per 12-month period
- Extended warranty: Up to four years from the date of purchase
Changes
- Oct 10, 2026 APR 19.74% to 19.99%
- Oct 2, 2026 Bonus 90,000 to 100,000
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · sites.chase.com “$695” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · chase.com “19.99%– 28.49% variable APR. †” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · chase.com “19.99%– 28.49% variable APR. †” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · chase.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · sites.chase.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- $695 · sites.chase.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · sites.chase.com, since Oct 2, 2026
- What is the purchase APR?
- 19.99–28.49% APR · chase.com, since Oct 10, 2026
- Is there a welcome bonus?
- 100,000 United MileagePlus miles after $5,000 in purchases in 3 months. · chase.com, since Oct 11, 2026