This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page.

In a return of a highly popular offer from 2016, United MileagePlus members are targeted for Chase’s MileagePlus Club Card with the $450 annual fee waived for the first year. To see if you’re targeted, visit mpclubcard.com/relax and log in with your United MileagePlus credentials.

If you were targeted — like quite a few of us at TPG were — you’ll see the following offer:

While many credit cards waive the annual fee for the first year, there’s a reason that this one typically doesn’t: The card includes a full United Club membership. Even with a $450 annual fee, this card makes our list of Top Premium Travel Cards. Without the annual fee, signing up for the card is a no-brainer if you’re a frequent flyer. After all, you don’t have to be flying United to use the United Club as a cardmember; you get unlimited United lounge access whenever you’re in an airport that has a United Club.

In addition, you’ll also receive Premier Access benefits, two free checked bags, 2x miles per dollar on all United purchases and 1.5x miles per dollar on all other spend, no close-in award booking fees and improved access to United award inventory.

Some of these benefits are also included with the United MileagePlus Explorer Card, which carries a much lower annual fee of $95 (waived for the first year) and is currently offering 40,000 bonus miles after you spend $2,000 in the first three months. But you’ll only receive United Club access twice each year. So, if you fly United a lot, the Club Card offers obvious advantages.

After the first year, the $450 annual fee will apply. That’s $100 off the regular United Club membership fee before United elite status discount. But, if you’re targeted for the waived annual fee, you’re under no obligation to keep the card after the first year. Depending on your travel style, you might be better off with a card like The Platinum Card from American Express or Chase Sapphire Reserve — both of which provide access to far more lounges.

One important note to keep in mind is that this card falls under Chase’s “5/24 rule.” So, just because you were targeted by United to get this offer doesn’t mean that you’ll be approved for the card by Chase.

H/T: Reddit

United MileagePlus® Explorer Card

This card is currently offering a sign-up bonus of 40,000 after spending $2,000 within the first three months. TPG values United miles at 1.4 cents apiece, so this 40,000-mile sign-up bonus gets you $560 in value.

Apply Now
More Things to Know
  • 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
  • $0 introductory annual fee for the first year, then $95.
  • Check your first bag for free (a savings of up to $100 per roundtrip) when you use your Card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
  • No foreign transaction fees
  • Earn 2 miles per $1 spent on tickets purchased from United, and 1 mile per $1 spent on all other purchases
  • Your miles don't expire as long as your credit card account is open, with no limit to the number of miles you can earn
Intro APR on Purchases
N/A
Regular APR
17.49% - 24.49% Variable
Annual Fee
$0 Intro for First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.