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United Club Card’s Welcome Offer History: 2020 to 2026

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Ryan Smith
Updated: 
Edited by: Jessica Merritt
& Jestan Mendame
United Club Card’s Welcome Offer History: 2020 to 2026
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Frequent United flyers who want airport lounge access and premium travel perks often look to the United Club℠ Card. As United’s flagship consumer credit card, it’s designed for travelers who value comfort, elite-style benefits, and strong mileage earning over a low annual fee.

Issued by Chase in the U.S., this is United’s premium consumer credit card. In early 2025, Chase and United refreshed several cards, raising annual fees and adding credits and travel-focused enhancements.

Today, we’ll look at the welcome offer history on the United Club card to see how it’s changed over time.

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When To Apply for the United Club Card

The United Club card is United’s premium airline credit card, centered around a full United Club lounge membership and elite-style travel perks. It does not earn transferable points like some other Chase credit cards, so rewards stay within MileagePlus. For loyal United flyers, that’s a feature. For those seeking flexibility, it’s a limitation.

Cardmembers receive United Club access, complimentary checked bags, priority services, and expanded award availability. Frequent United flyers often find that lounge access alone offsets much of the cost.

Following a 2025 update of the card, the annual fee increased to $695. While higher than before, the revised version added statement credits and enhanced benefits aimed at regular United travelers.

Currently, the United Club card has this offer:

  • Earn 90,000 miles after you spend $5,000 in the first 3 months.

Here’s how that compares with past public offers:

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Offer Date

Welcome Offer Details

Value*

Current offer (November 2025 to now)

Earn 90,000 miles after you spend $5,000 in the first 3 months.$1,080

July 2025 to November 2025

Earn 80,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$960

May 2025 to July 2025

Earn 90,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$1,080

March 2025 to May 2025

Earn 95,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$1,140

January 2025 to March 2025

Earn 80,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$960

November 2024 to January 2025

Earn 90,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$1,080

August 2024 to November 2024

Earn 80,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$960

June 2024 to August 2024

Earn 90,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$1,080

January 2024 to June 2024

Earn 80,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$960

November 2023 to January 2024

Earn 90,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$1,080

August 2023 to November 2023

Earn 80,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$960

June 2023 to August 2023

Earn 80,000 bonus miles and 1,000 PQP after spending $5,000 on purchases within 3 months from account opening.

$960

January 2023 to June 2023

Earn 80,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$960

November 2022 to January 2023

Earn 100,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$1,200

August 2022 to November 2022

Earn 80,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$960

March 2022 to August 2022

Earn 120,000 bonus miles after spending $6,000 on purchases within 3 months from account opening.

$1,440

January 2022 to March 2022

Earn 80,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$960

November 2021 to January 2022

Earn 100,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$1,200

February 2021 to November 2021

Earn 75,000 bonus miles after spending $3,000 on purchases within 3 months from account opening.

$900

October 2020 to February 2021

$0 annual fee for the first year, then $525 (standard annual fee at the time).

$525

August 2020 to October 2020

Earn 100,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$1,200

May 2020 to August 2020

$0 annual fee for the first year, then $525 (standard annual fee at the time).

$525

March 2020 to May 2020

Earn 100,000 bonus miles after spending $5,000 on purchases within 3 months from account opening.

$1,200

* Value is based on our valuations of points and miles that peg United miles at 1.2 cents each and is not provided by the card issuer.

Historically, most offers fall between 80,000 and 90,000 miles after $5,000 in spending. Elevated promotions have appeared periodically, including 100,000-mile bonuses and the standout 120,000-mile offer in 2022, which remains the high-water mark from recent years.

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

Apply Now(at Chase's secure site)
United Club℠ Card
Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
90,000 miles
$1,080
$695
19.74% - 28.24% 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 card application.
Excellent
Why We Like This Card

The 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
  • 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)
  • Premier Access® travel services
  • Earn up to 20,000-miles in award flight discounts annually
  • Member FDIC
Financial Snapshot
  • APR: 19.74% - 28.24% Variable
  • Foreign Transaction Fees: None

In practice, 80,000 miles is the baseline, 90,000 miles signals a modestly elevated offer, and over 100,000 miles tends to signal a limited-time spike.

Hot Tip:

United has a broad portfolio, and our comparison of United Airlines credit cards can help you find the right one for you — whether it’s a consumer card or a card for your small business.

United Club Card Benefits

The United Club card is a premium credit card designed for frequent United travelers.

United Club Hand Card Upgraded Points LLC
Image Credit: Polina Tankilevitch via Pexels, modified by Upgraded Points LLC

Cardholders can enjoy numerous perks:

  • Earn 5x miles at Renowned Hotels and Resorts
  • Earn 4x miles on United purchases
  • Earn 2x miles on travel and dining, including eligible delivery services
  • Earn 1x miles on other purchases
  • United Club lounge membership
  • 25% back on United inflight purchases and premium drink purchases in United Club lounges
  • Complimentary first and second checked bags
  • Premier Access travel services at airports, check-in, and boarding
  • Expanded award availability for booking flights using miles
  • Earn a 10,000-mile award flight discount after $20,000 in purchases, available twice per year
  • Global Entry, TSA PreCheck, or NEXUS fee credit
  • Various statement credits available for prepaid hotels, rideshare expenses, Instacart, JSX flights, and rental cars
  • Automatic Avis President’s Club and IHG One Rewards Platinum Elite status
  • Premier upgrade eligibility on award tickets
  • Earn 1 Premier Qualifying Point (PQP) toward United elite status for every $15 spent on purchases on your card, up to 28,000 PQP annually.

For frequent flyers, lounge access and baggage savings can deliver substantial annual value. This card also provides shortcuts to elite status while simultaneously mimicking the perks of status without requiring the effort to actually earn it. Travelers who want to get perks the easy way can do so by carrying this card.

» Related: Full List of U.S. United Club Lounge Locations, Hours, and Amenities [2026]

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Final Thoughts

The United Club card remains United’s premium consumer product, built for travelers who prioritize lounge access and enhanced travel benefits. Its welcome bonus history shows steady offers in the 80,000- to 90,000-mile range, with occasional spikes to 100,000 miles and a peak at 120,000 miles.

As always, the welcome bonus should be only part of your decision. Long-term value depends on how often you use United Club access, baggage benefits, and travel credits. For frequent United flyers, the United Club card can justify its premium annual fee and deliver consistent value beyond the first year.

Featured Image Credit: Upgraded Points

Frequently Asked Questions

What is the United Club card's welcome offer?

New applicants can earn the following:

  • Earn 90,000 miles after you spend $5,000 in the first 3 months.
What is the best welcome bonus offer on the United Club card?

In 2022, the card had a 120,000-mile welcome offer. Since then, the best bonuses have hovered around 95,000 or 100,000 miles, though we haven’t seen 100,000 miles since early 2023.

How much are 100,000 United MileagePlus miles worth?

At Upgraded Points, we value United miles at 1.2 cents each. That makes 100,000 United miles worth $1,200.

Is the United Club card worth it?

If you want elite perks without the effort of earning elite status, the United Club card should be in your wallet. It offers lounge access, premium travel experiences, complimentary checked bags, numerous spending credits, and high earning rates on purchases. If you can use all of the benefits, the high annual fee is easy to justify.

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About Ryan Smith

Ryan completed his goal of visiting every country in the world in December of 2023 and is now revisiting some favorites. Over the years, he’s written about award travel and credit cards for publications like AwardWallet, The Points Guy, USA Today Blueprint, CNBC Select, Tripadvisor, Point.me, Forbes Advisor, and more.

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