The 4 Best Credit Cards for United Club Lounge Access [2025]

Are you sick and tired of crowded airport terminals with overpriced food? Airport lounges might be something to consider. Over the years, access to airport lounges has been a necessary perk on some of the most popular travel credit cards.

There are many airport lounges, including lounges that are part of a network, like Priority Pass, or airline-specific lounges, like Delta Sky Club, American Admirals Club, and United Club.

United Club access is available to United Club members, Star Alliance Gold members, passengers traveling in United Polaris business class or United first class, or passengers who purchase a one-time pass.

Each lounge offers different amenities and services; however, most include the same basics, such as complimentary refreshments, drinks (including alcohol in some locations), spacious sitting areas, private restrooms, and high-speed Wi-Fi.

To enter a United Club, you’ll need a boarding pass for same-day travel, along with either a one-time pass, your valid United Club membership card, or an eligible United credit card.

Below, you’ll see all the options available to get into a United Club for your next trip.

The 4 Best Credit Cards With United Club Access — Overview

Before we take an in-depth dive into each card, let’s first look at which cards provide United Club access:

Hot Tip:

Check out our guide to learn the best ways to earn lots of United MileagePlus miles.

The New United Club℠ Card

DEBUT OFFER

Terms Apply / Rates & Fees

The New United Club℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Apply Now(at Chase's secure site)

The New United Club℠ Card

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Welcome Offer

Earn 95,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

95,000 miles

UP's Offer Valuation*:

$1,140

Annual Fee

$695

APR

20.49% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent

Why We Like This Card

The New United Club℠ Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

Pros & Cons

Pros

• 4x miles per $1 on United purchases
• 2x miles per $1 on travel and dining purchases
• Complimentary United Club membership

Cons

• $695 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Debut Offer: Earn 95,000 bonus miles
• 4x miles on United^® purchases
• 2x miles on dining and all other travel
• 1x mile on all other purchases
• United Club℠ membership - at least a $750 value
• Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access^® travel services
• Earn a 10,000-mile award flight discount after $20,000 in purchases - up to two times each calendar year
• Member FDIC

Financial Snapshot

• APR: 20.49% - 28.99% Variable
• Foreign Transaction Fees: None

If you are a frequent United flyer, the United Club card might be worth having in your wallet. The card comes with an annual United Club membership that allows the primary cardholder and their eligible travel companions, including 1 adult guest and dependent children, access to United Clubs.

Although the card comes with a pretty high $695 annual fee, the premium card provides plenty of great perks and an annual United Club membership.

Some of the perks of the United Club card include:

• Free Checked Baggage: Cardholders + 1 companion on the same reservation will each receive your first and second standard checked bag free when you pay for your flight with the United Club card.
• 25% Back on United Inflight Purchases: Use your card to purchase onboard food, beverages, or Wi-Fi and get 25% back as a statement credit.
• Up to 28,000 Premier Qualifying Points: You will earn 1 PQP towards your next level of United Elite status, up to 28,000 PQPs each year for every $15 spent on your card.
• No foreign transaction fees

Cardholders also get extra travel protections such as trip delay coverage, lost or delayed baggage insurance, and trip cancellation and interruption insurance. The card also provides purchase protection, return protection, and extended warranty coverage.

If you consider United Club lounge access a must and frequently check bags with United, the United Club card is an excellent card to carry in your wallet. The annual fee on this card is cheaper than buying a paid membership. More on that later.

The New United Club℠ Business Card

DEBUT OFFER

The New United Club℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The United Club Business card is a great option for frequent United flyers looking for United Club access.

The New United Club℠ Business Card

The United Club Business card is a great option for frequent United flyers looking for United Club access.

Welcome Offer

Earn 125,000 United MileagePlus Miles after spending $5,000 on qualifying purchases in the first three months of opening an account.

125,000 miles

UP's Offer Valuation*:

$1,500

Annual Fee

$695

APR

20.99%–27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The New United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.

From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.

Pros & Cons

Pros

• 2x miles per $1 spent on United purchases
• 1.5x miles per $1 spent on all other purchases
• Complimentary United Club membership

Cons

• $695 annual fee
• Earning rate for United purchases is poor compared to other United cards

Read Full Review

Card Highlights

• Earn 125,000 United MileagePlus Miles after spending $5,000 on qualifying purchases in the first three months of opening an account
• Earn 2x miles on United purchases
• Earn 1.5x miles on all other purchases
• Earn 5x miles on stays purchased through Renowned Hotels and Resorts for United^® Cardmembers
• Employee cards at no additional cost
• United Club℠ membership included – at least a $750 value per year – with the ability to unlock United Club All Access Membership
• Earn 2 global Economy Plus^® seat upgrades each year
• Free first and second checked bags for you and a companion, save up to $320 per round-trip
• Up to $50 in credits on United FareLock purchases annually
• Up to $200 in credits on Renowned Hotels and Resorts for United^® Cardmembers annually
• Up to $150 in credits on rideshare purchases annually
• Up to $100 in United travel credits on Avis or Budget purchases annually
• Up to $200 in credits on JSX purchases annually
• 25% back on United inflight purchases
• No foreign transaction fees
• Complimentary Instacart+ Membership (terms apply)
• Up to $240 in Instacart credits annually (terms apply)

Financial Snapshot

• APR: 20.99%–27.99% Variable
• Foreign Transaction Fees: $0

For business travelers who regularly fly with United and are looking for United Club access, the United Club Business card is worth considering. The card offers some great perks, such as:

• First and second checked bags are free for you and up to 1 traveling companion
• 25% statement credit on inflight purchases when flying United
• Ability to earn 1 PQP for every $15 you spend on purchases (up to 28,000 PQP in a calendar year) 

Most importantly, the card comes with a complimentary United Club membership.

Although the United Club Business card comes with a $695 annual fee, it is still cheaper than a paid membership.

The New United℠ Business Card

DEBUT OFFER

Terms Apply / Rates & Fees

The New United℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Apply Now(at Chase's secure site)

The New United℠ Business Card

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Welcome Offer

Earn 125,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

125,000 miles

UP's Offer Valuation*:

$1,500

Annual Fee

$150

APR

20.49% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

The New United℠ Business Card is a compelling option for traveling business owners that are also frequent United flyers. Not only will this Chase business card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.

Pros & Cons

Pros

• 2x miles per $1 on United purchases
• 2x miles per $1 on dining
• 2x miles per $1 at gas stations and office supply stores, and on local transit and commuting

Cons

• Doesn’t earn transferable rewards
• Other United cards are more rewarding for United purchases

Read Full Review

Card Highlights

• Debut Offer: Earn 125,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
• $150 Annual Fee.
• 2x miles on United^® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
• 1x mile on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
• Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United^® credit card.
• Enjoy a free first checked bag - a savings of up to $160 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
• Receive a $125 United travel credit after making 5 United^® flight purchases of $100 or more each calendar year with your United℠ Business Card.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 28.99% Variable
• Foreign Transaction Fees: None

The United Business card is another option for travelers who fly on United from time to time. The card offers 2 one-time United Club passes each year, valid for 12 months from when they are issued. Note that the primary cardholder or authorized user must be traveling to use the one-time pass — they cannot be gifted to someone else unless the primary cardholder or authorized user will be with them when they use it.

The card also comes with some other perks, including:

• First checked bag free for you and up to 1 traveling companion
• 25% statement credit on inflight purchases when flying United
• Ability to earn 25 PQPs for every $500 you spend, up to 4,000 PQPs each year
• $125 in United TravelBank cash each year that you make 5 United flight-related purchases of $100 or more with your card

If you want to receive benefits on your United flights and are working towards United elite status, the United Business card might make a great addition to your wallet.

The New United℠ Explorer Card

DEBUT OFFER

Terms Apply / Rates & Fees

The New United℠ Explorer Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Apply Now(at Chase's secure site)

The New United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Welcome Offer

Earn 80,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

80,000 miles

UP's Offer Valuation*:

$960

Annual Fee

$150

APR

20.49% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

You should consider The New United℠ Explorer Card, because this card does all that and more!

Pros & Cons

Pros

• 5x total miles per $1 on hotel stays through United Hotels
• 2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
• 1x mile per $1 on all other purchases

Cons

• $0 intro annual fee for the first year, then $150
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Debut Offer: Earn 80,000 bonus miles
• $0 introductory annual fee for the first year, then $150
• 2x miles on United^® purchases, dining, and hotel stays when booked with the hotel
• Enjoy priority boarding privileges and visit the United Club℠ with 2 one-time passes each year for your anniversary
• Free first checked bag - a savings of up to $160 per roundtrip. Terms Apply.
• Up to $120 Global Entry, TSA PreCheck^® or NEXUS fee credit
• Earn a $100 United travel credit after spending $10,000 on purchases with your United℠ Explorer Card within a calendar year
• Over $400 in partner credits each year
• Member FDIC

Financial Snapshot

• APR: 20.49% - 28.99% Variable
• Foreign Transaction Fees: None

Rewards Center

United MileagePlus Frequent Flyer Program

If you are neither a frequent United traveler nor a business owner, don’t worry; there is still another option. The United Explorer card may be the best option for the occasional United flyer.

For those wanting United Club access, the United Explorer card includes 2 one-time United Club passes each year, valid for 12 months from when they are issued. As with the United Business card, the primary cardholder or authorized user must be present when the one-time passes are redeemed and they cannot give them to someone else unless they are traveling together.

In addition to the United Club passes, you get some other perks with the card, including:

• First checked bag free for you and up to 1 traveling companion
• 25% statement credit on inflight purchases when flying United
• Priority boarding
• Global Entry, TSA PreCheck, or NEXUS statement credit

If you fly United a few times a year, having the United Explorer card in your wallet may be worth it. It also has the lowest annual fee among all the cards discussed.

Bottom Line:

The United Club card and United Club Business card offer United Club membership. The United Business card and United Explorer card each offer 2 United Club passes per year.

Other Ways To Access United Clubs

Paid Membership

United sells memberships, and members can pay with either cash or miles.

An Individual United Club membership gives you access to more than 45 United Club locations worldwide but you cannot bring a guest. An All Access United Club membership grants you access to all United Club locations and Star Alliance partner lounges. You can bring up to 2 adult guests or 1 adult guest and dependents under 18. The price of the All Access membership varies based on your United MileagePlus Premier Elite status.

One-Time Pass

A United Club one-time pass provides 1 person admission to a United Club lounge location. The pass is good for a single use and does not include guest access.

A one-time pass is $59. You can purchase a one-time pass on the United mobile app or in person at the lounge.

United MileagePlus Elite Status

United MileagePlus members with United Premier Gold status (or higher) have access to United Club lounges when internationally on any Star Alliance carrier, regardless of their class of service. They can also bring 1 guest; the guest must travel on the same flight.

Star Alliance Gold Status

Star Alliance Gold status members with status through a partner airline program can access United Clubs with any same-day Star Alliance boarding pass. This includes United domestic flights. They can also bring 1 guest; the guest must travel on the same flight.

Flying Premium Cabin on a United or Star Alliance Flight

You can also access a United Club if traveling in business or first class on a Star Alliance partner airline. United Clubs are only available at the international gateway airport.

Active U.S. Military Personnel

Active U.S. military personnel also have access to United Clubs. You must have a same-day United boarding pass with a valid military ID and be dressed in uniform or have leave orders or rest and recuperation papers with you. Eligible military personnel can bring family members traveling on the same flight.

Hot Tip:

If you do not consistently fly United but still want lounge access, check out our guide to the best credit cards for airport lounge access.

United Polaris Lounges

It is worth noting that United has another set of exclusive lounges called United Polaris lounges, which are United’s premium lounges for long-haul business class passengers.

These lounges are significantly more exclusive and among the best you can find. Polaris lounges offer extra amenities such as shower suites, exclusive rest areas, day beds, and à la carte dining.

However, access to United Polaris lounges is a bit different.

First, no credit card offers United Polaris lounge access. You can only access United Polaris lounges when flying on a long-haul international flight in United Polaris business class. Traveling in business or first class with a Star Alliance partner airline can also grant you access.

There is also no way to access Polaris Lounges based on United elite status.

Final Thoughts

We can all agree that airport lounge access makes our travels a bit easier. Whether you are looking for some peace and quiet or you are looking to get a snack, United Clubs have you covered.

United offers numerous ways to access its United Clubs. If you are a frequent United traveler, consider whether a United co-branded credit card may be right for you. It costs less to pay the annual fee on the United Club card or the United Club Business card than to buy a United Club membership outright.