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  United MileagePlus Club Card

United MileagePlus Club Card

in Personal Credit Cards from Chase Bank

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United MileagePlus Club Card

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in Personal Credit Cards from Chase Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 17.99% - 24.99%
Credit Score Range 680 - 850
Annual Fee $450
Purchase APR  (Variable APR) 17.99% - 24.99%
Rewards Rates
  • Airfare
  • Every Purchase
  • Hotels
  • Travel

United MileagePlus Club Card Review

United MileagePlus Club Card is a rewards credit card issued by Chase Bank. If you're wondering whether United MileagePlus Club Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Earn 1.5 miles for every dollar spent on everyday purchases. This is higher than the average reward rate (1 mile per dollar spent) for everyday purchases.
  • Signup bonus. Offers a signup bonus of 50000 points after spending $3,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.99% up to 24.99%.
  • 5% Balance transfer fee. United MileagePlus Club Card charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 680.

United MileagePlus Club Card Pros and Cons:

The Good The Bad
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • United MileagePlus Club Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Charges an annual fee of $450
  • Charges a 5% balance transfer fee.

Is there a United MileagePlus Club Card cash back or rewards program?

United MileagePlus Club Card offers a rewards program to its customers.

United MileagePlus Club Card Rewards
Rewards rate (all purchases) 1.5%
Max rewards rate 2%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $3000
Signup Bonus Spend Period (months) 3 months

Does United MileagePlus Club Card have a signup bonus?

United MileagePlus Club Card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $3000 that can be redeemed for travel, gifts, or other perks.

Does United MileagePlus Club Card offer an annual loyalty bonus?

United MileagePlus Club Card doesn't offer a cash loyalty bonus.

What are the United MileagePlus Club Card benefits?

United MileagePlus Club Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for United MileagePlus Club Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. United MileagePlus Club Card has higher than average purchase APRs.

United MileagePlus Club Card has a variable purchase APR that ranges from 17.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 17.99% up to 24.99%. It also has a variable cash advance APR starting at 26.49% .

Does United MileagePlus Club Card have an introductory APR offer on balance transfers?

No, United MileagePlus Club Card does not come with an introductory APR offer for balance transfers.

Does United MileagePlus Club Card have an introductory APR offer on new purchases?

United MileagePlus Club Card does not offer an introductory rate on new purchases.
United MileagePlus Club Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for United MileagePlus Club Card?

The following fees apply to United MileagePlus Club Card:

United MileagePlus Club Card Fees
Fees Amount
Annual Fee $450
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does United MileagePlus Club Card have a foreign transaction fee?

United MileagePlus Club Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does United MileagePlus Club Card report your account activity to credit bureaus?

United MileagePlus Club Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for United MileagePlus Club Card

  • Visit the United MileagePlus Club Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) Earn rewards faster with 1.5 miles per $1 spent on purchases.
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $450
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Card Type
  • Airline
  • Bonus Offers
  • Rewards
  • Travel
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Airport Lounge Access
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months from account opening.
No Reward Expiration Period  
No Blackout Dates  
Rewards Rates
  • Airfare
  • Every Purchase
  • Hotels
  • Travel
Signup Bonus (points) 50,000
Rewards Type Miles
Cash Advance APR (Variable APR) Starting at 26.49%
Balance Computation daily balance method (including new transactions).
Purchase APR (Variable APR) 17.99% - 24.99%
Balance Transfer APR (Variable APR) 17.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

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