United Club Card

Chase · US

Sign-up bonus

up to 100,000 United MileagePlus miles

Annual fee

$695

Purchase APR

19.99–28.49% (varies by applicant)

Cash advance APR

28.74%

Penalty APR

29.99%

Rate formula

Prime 7% + 12.99–21.49%

FX markup

0% (no fee)

Fees/APR in USD; SUB in raw points or USD; logged-out public offer, captured 2026-10-11

The full amount requires completing every spending tier below.

Bonus breakdown

spend bonus: 90,000 pts (spend $5,000 · within 3 months)
other: 10,000 pts (add an authorized user in the first 3 months from account opening · within 3 months)

United Club Card's sign-up bonus rose 10,000 United MileagePlus miles, from 90,000 to 100,000, on October 4, 2026.

Figures are the issuer's stated public control offer, captured 2026-10-11.

Tracked since 2026-07-22 (15 snapshots).