The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Limited-Time Offer
Earn up to 100,000 miles
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
1 - 11X miles
$695
19.74% - 28.24% Variable
Excellent Credit
The United Club Card might charge a high annual fee, but it comes with the premium perks to match. Chief among them is United Club membership, which includes access to the airline’s airport lounges as well as those of some of its Star Alliance partners. But cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags and even a Global Entry/TSA PreCheck application fee credit worth up to $120 once every four years. (Partner offer)
Read the full reviewThis card is tailor-made for United loyalists. It comes with access to upscale United Clubs at airports, free checked bags, priority boarding and priority services at the airport. If you’re a United fan and frequently fly with the airline, the United Club Card is likely worth having.
The United Club Card accrues 5 miles per dollar spent on eligible United purchases and 2 miles per dollar spent on all other travel purchases and dining, including eligible delivery services. Additionally, all other purchases earn a flat rate of 1 mile per dollar spent.
Rewards Rates
Intro Offer
Limited-Time Offer
Earn up to 100,000 miles
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Ongoing Purchases APR
19.74% - 28.24% Variable
Ongoing Balance Transfer APR
19.74% - 28.24% Variable
Ongoing Cash Advance APR
28.49% Variable
Ongoing Penalty APR
Up to 29.99%
Annual Fee
$695
Recommended Credit
Excellent Credit
More Details