United Club Card
Chase · US
Sign-up bonus
up to 90,000 United MileagePlus miles
Purchase APR
19.74–28.24% (varies by applicant)
Rate formula
Prime 6.75% + 12.99–21.49%
Fees/APR in USD; SUB in raw points or USD; logged-out public offer, captured 2026-08-23
The full amount requires completing every spending tier below.
Bonus breakdown
- spend bonus: 80,000 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)
Earn rates
- 11× total miles on eligible United flights
- 5× miles on all other eligible United purchases
Disclosure documents
- rates and fees html · 2026-02-03
History
Tracked since 2026-07-22 (7 snapshots). As the archive grows, sign-up-bonus and fee changes appear here.
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