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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.
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 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.
Card Details
Card Snapshot
Welcome Bonus & Info
Limited-Time Offer: Earn 90,000 bonus miles
4x miles on United® purchases
2x miles on dining and all other travel
1x mile on all other purchases
United Club℠ card 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 to use toward an eligible award flight - up to two times each calendar year
Free first and second checked bag for you and 1 traveling companion
United Premier Access
25% back on United inflight purchases
Complimentary Premier Upgrades on United-operated award tickets (when available)
Expanded award availability
Up to 28,000 Premier Qualifying Points
Up to $120 Global Entry, TSA PreCheck, or NEXUS credit
Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
Shopping protections like return protection, purchase protection, and extended warranty protection
IHG One Rewards Platinum Elite status
Avis President’s Club elite status
10% discount on United Economy Saver Awards within the continental U.S. and Canada
Cons
$695 annual fee
Does not earn transferable rewards
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Great Card If
You’re a frequent United flyer
You want United Club access
You want to reach higher levels of United elite status
Don’t Get If
You seldom fly with United
You prefer a card that earns transferable points
You don’t think the benefits justify the card’s annual fee
United Club Card — Is It Worth It?
The New United Club℠ Card is ideal for United loyalists that are looking for a premium card that provides great perks and an annual United Club membership so that they can enjoy airport lounge access.
A great option for those who are looking to reach higher levels of United elite status, the United Club card allows you to earn up to 28,000 PQPs each year through your card spending.
Put simply, if you are a United Airlines loyalist and are looking to reach high levels of elite status with the airline, then the United Club card would be a good fit for you.
United Club Card Top Benefits
United Club Card Travel Benefits
If you’re looking for a card that provides tons of perks to United flyers, then you’ll love what the United Club card has to offer.
United Club Access — Cardholders receive complimentary access to all United Club lounges.
Free Checked Baggage — You and 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.
United Premier Access — Premier Access not only offers priority boarding, but also priority check-in, security screening (where available), and baggage handling.
25% Back on United Inflight Purchases — When you use your United Club card to purchase food, beverages, or Wi-Fi on board, you’ll receive 25% back as a statement credit.
Complimentary Premier Upgrades — Get a space-available seat upgrade to the next cabin class when flying on United award tickets.
Up to 20,000 Miles in Award Flight Discounts — You earn a 10,000 mile discount on an award flight after spending $20,000 each calendar year with your card, up to 2 times per calendar year.
Expanded Award Availability — Cardholders have no restrictions or blackout dates on award flight availability.
Up to 28,000 Premier Qualifying Points — For every $15 spent on your card, you’ll earn 1 PQP towards your next level of United elite status, up to 28,000 PQPs each year.
10% Discount on United Economy Saver Awards — Receive a discount within the continental U.S. and Canada.
Up to $200 in Renowned Hotels and Resorts Credits — Prepay for hotel accommodations using your card directly through Renowned Hotels and Resorts for United Cardmembers and receive up to $200 back in statements credit each anniversary year.
Up to $150 of Rideshare Credits — Enroll and pay with your card to receive up to $150 back in statement credits per year on rideshare purchases: up to $12 each month from January through November, up to $18 in December (yearly opt-in is a requirement).
Complimentary IHG One Rewards Platinum Elite Status — Receive complimentary room upgrades and extended checkout.
Complimentary Avis President’s Club Elite Status — Enjoy complimentary 2-car class upgrades, guaranteed car availability, expedited rental service, and more.
Up to $100 Back on Avis or Budget Car Rentals — When you book a rental with Avis or Budget through cars.united.com and pay with your card, you receive $50 in United TravelBank cash on your first and second car rental, up to $100 each anniversary year.
Up to $200 Back for JSX Purchases — Book flights directly with JSX using your card and get up to $200 back in statement credits each anniversary year.
Complimentary Instacart+ Membership — Get a complimentary Instacart+ membership that includes unlimited deliveries with $0 delivery fees on eligible orders. Service fees and terms apply. Benefits end December 31, 2027.
Up to $240 in Instacart Credits — Use your card to pay for Instacart purchases and receive 2 $10 Instacart credits monthly, up to $240 each calendar year. Terms apply. Benefits end December 31, 2027.
United Club Card Travel and Purchase Protections
Frequent travelers will love the protections they receive thanks to their United Club card.
Trip Delay Coverage — When you purchase your flight with your United Club card, and it is delayed by more than 12 hours, or overnight, you’re covered for up to $500 in charges towards necessities like food and lodging.
Lost or Delayed Baggage Insurance — If your luggage is lost or damaged by the airline, you’re covered for up to $3,000. If the airline delays your bag by more than 6 hours, you’re covered up to $100 a day, for up to 3 days, towards necessary expenses.
Trip Cancellation Insurance — Trips that must be canceled due to covered situations are covered for up to $10,000 per traveler, and $20,000 per trip, for non-refundable travel expenses.
Rental Car Insurance — Primary rental car insurance coverage covers theft and collision damage to your rental vehicle.
Return Protection — You’ll be reimbursed for items that the store will not accept a return for within 90 days of purchase, up to $500 per item and $1,000 per year.
Purchase Protection — Items purchased with your card are covered in the case of theft or accidental damage, up to 120 days from the purchase date, for up to $10,000 per claim and $50,000 per year.
Extended Warranty Coverage — Any items purchased with your card that have extended warranties of 3 years or less will be extended by 1 additional year.
Best Ways To Earn and Redeem United Miles
Besides flying and using your credit card, how else can you rack up United miles? Well, there are quite a few options actually! From transfer partners to airline shopping and dining programs, there are tons of great ways to earn United miles.
As most award travelers know, earning miles can be the easy part, but putting them to good use can be a bit more difficult. We’ve got you covered, though, with our guide to the best ways to redeem United miles for max value.
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 Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
70,000 miles + 500 PQP
$840
$350
20.49% - 28.99% Variable
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
Enter: The New United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.
Limited-time Offer: Earn 70,000 bonus miles and 500 PQP
3x miles on United® purchases
2x miles on dining, select streaming services, and all other travel
1x mile on all other purchases
Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
Earn a 10,000-mile award flight discount after spending $20,000 each calendar year to use toward an eligible award flight
Earn 2 global Economy Plus® seat upgrades after spending $40,000 on purchases each calendar year
Get a jump start on earning Premier status with 1,000 Card Bonus PQP each year, awarded within 6 to 8 weeks after February 1 each year, starting in 2026.
Member FDIC
Financial Snapshot
APR: 20.49% - 28.99% Variable
Foreign Transaction Fees: None
If you’re a frequent United flyer but aren’t interested in paying the high annual fee of the United Club card, then the United Quest card is a happy medium. It offers 3x miles per $1 on United purchases and 2x miles per $1 on travel, dining, and streaming purchases. Plus, it offers many of the benefits that the United Club card offers, like free checked bags, priority boarding, and complimentary premier upgrades.
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 Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
Up to $1,760
$695
See Pay Over Time APR
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
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros & Cons
Pros
The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges,Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
With American Express Global Lounge Collection® eligible Card Members can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
$200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
$199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Use the dedicated CLEAR Lane to confirm your identity without taking out your passport or ID – this can mean shorter lines, less waiting. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
$695 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.
If you want a premium card with ultra-premium perks like airport lounge access, all while earning transferable points, then the Amex Platinum card might be the perfect card for you. Not only does the card earn 5x points per $1 on airfare (up to $500,000 per calendar year), but you also receive airport lounge access to multiple lounge networks, Hilton and Marriott elite status, Saks Fifth Avenue credits, and much more. Terms apply and some benefits require enrollment.
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