Earn 50,000 Miles With the United MileagePlus Club Card
Update: Some offers mentioned below are no longer available. View the current offers here.
Most United flyers looking for an airline credit card will opt for the United MileagePlus Explorer Card — it's a great option, especially for infrequent travelers who won't have an opportunity to earn elite status. But if you frequently fly United, or often find yourself near a United Club, the United MileagePlus Club Card is hard to beat.
The card carries a significant $450 annual fee, but it comes along with an unbeatable perk: unlimited access to the United Club, regardless of the cabin or even airline you're flying. I didn't hesitate to sign up for the card a couple years ago, and it wasn't even offering a sign-up bonus at the time.
Today's offer makes the card even more appealing — currently, Chase is offering an opportunity to earn 50,000 miles after you spend $3,000 on purchases in the first three months with the United MileagePlus Club Card — if I didn't already have an account, I'd certainly be signing up today.
Cardholders get a full United Club membership, worth at least $450 per year, depending on your elite status level.
This card even makes sense for existing United Club members — United will prorate your membership fee, reimbursing the balance.
As a Premier 1K, I'd pay the same $450 to get the membership directly through United, but the card let me avoid the $50 initiation fee and comes along with other perks as well, including:
- Access to any Star Alliance member business lounge around the world when departing on a member airline, with one guest
- Premier Access, with priority check-in, security screening, boarding and baggage handling
- Free first and second checked bags for the cardholder and one companion when you purchase flights using your card
- Hertz President's Circle status
- Access to Chase's Luxury Hotel & Resorts Collection
- No close-in booking fee for last-minute awards
- Expanded award availability with access to the XN fare class
- Complimentary upgrades on award tickets for United elites
In addition, you'll earn 1.5 miles for every dollar spent with the card, and 2 miles per dollar spent with United. There are no foreign transaction fees and your miles won't expire as long as you're a cardholder.
Bottom Line
$450 per year is an awful lot to spend on a credit card. That said, the 50,000-mile sign-up bonus more than offsets the first year's fee — we value United miles at 1.5 cents each, making the bonus offer worth $750.
If you're able to take full advantage of the United Club membership, keeping the card beyond the first year makes sense, too, and if you're already a full member, it's helpful to know that United will prorate your dues and issue a refund if you decide to add the United MileagePlus Club Card to your wallet.
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| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees