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.

• Signup bonus. Offers a signup bonus of 50000 points after spending $3,000 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 17.49% up to 24.49%.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, 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.

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

What are the United MileagePlus Club Card benefits?

United MileagePlus Club Card provides the following benefits:

• 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 17.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 17.49% up to 24.49%. It also has a variable cash advance APR starting at 26.49% .

What are the United MileagePlus Club Card fees?

The following fees apply to United MileagePlus Club Card:

United MileagePlus Club Card Fees

Fees	Amount
Annual Fee	up to $450
Foreign Transaction Fee	0%
Balance Transfer Fee	5%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	$37
Late Payment Fee	$37

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.