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

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.

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 up to 90,000 United MileagePlus bonus miles after you spend $5,000 on purchases in the first three months from account opening (80K + 10K more miles with an authorized user).

Here’s how that compares with past public offers:

* 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.

Terms Apply / Rates & Fees

United Club℠ Card

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

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United Club℠ Card

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

Welcome Offer

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Up to 90,000 miles

UP's Offer Valuation*:

$1,080

Annual Fee

$695

APR

19.74% - 28.24% 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 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

• NEW! 11x total miles on eligible United flights and 5x miles on all other eligible United^® purchases
• 2x miles per $1 on dining and other travel purchases
• Complimentary United Club membership

Cons

• $695 annual fee
• Does not earn transferable rewards

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Card Highlights

• Earn up to 90,000 bonus miles
• NEW! 11x total miles on eligible United flights and 5x miles on all other eligible United^® purchases
• 2x miles on dining and all other travel
• 1x mile on all other purchases
• Unlimited United Club℠ access for you and a guest - a $750+ value per year
• Free first and second checked bags - a savings of up to $440 per roundtrip (terms apply) - and Premier Access^® travel services.
• Earn up to 20,000-miles in award flight discounts annually
• NEW! Save 10% or more when booking flights with miles. Premier members save even more.
• 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.

United Club Card Benefits

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

Cardholders can enjoy numerous perks:

• Earn 5x miles at Renowned Hotels and Resorts
• 11x total miles on eligible United flights
• Earn 5x miles on other 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.

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.