Review · Travel
United Club Card review
A $695 Chase card that includes United Club card membership with unlimited access for you and a guest.
By the HearSmart research desk · Updated November 9, 2026
- Performance (40%)
- 8.0
- Ease of use (25%)
- 8.4
- Value (35%)
- 8.0
For United loyalists, the United Club Card is the cheapest documented way to get a full year of United Club access. Chase says the card includes United Club card membership, a $750+ value, with unlimited United Club access for you and a guest, and adds 4 United Club one-time passes on every anniversary. Cardmembers who reach Premier Gold status or spend $50,000 a year on the card get All Access membership, which Chase says allows two adult guests. The $695 annual fee also covers free first and second checked bags for the cardmember and one companion and Premier Access services such as priority check-in and security. The limit is focus: the lounges belong to one airline, so the card is weak if you often fly other carriers. Variable APR runs from 19.99% to 28.49%, so pay in full to keep the lounge math in your favor.
Who it is for
United flyers who want unlimited United Club access plus checked bags and Premier Access.
Price
$695 annual fee.
ANNUAL FEE $695
Quoted from the vendor pricing page on November 9, 2026.
Key features
- Unlimited United Club access for you and a guest
- All Access membership after Premier Gold status or $50,000 in annual card spend
- 4 United Club one-time passes each anniversary
- First and second checked bags free for the cardmember and one companion
- Premier Access priority check-in and security
Strengths and weaknesses
- Strength: Cheaper than buying a United Club membership, which Chase values at $750+
- Strength: Guest included on every visit
- Strength: Free checked bags add value on every United trip
- Weakness: Only useful if you mostly fly United
- Weakness: All Access needs Premier Gold or $50,000 in spend
- Weakness: APR runs from 19.99% to 28.49% variable
Key facts
- Annual fee: $695
- Lounge access: Unlimited United Club access for you and a guest
- Membership value: $750+ a year, per Chase
- Anniversary passes: 4 United Club one-time passes
- Purchase APR: 19.99% to 28.49% variable
Where it ranks
United Club Card is No. 6 in our Best Airport Lounge Memberships verdict.
Alternatives we scored
Visit chase.com · Questions or corrections: editorial@hearsmart.org