Chase UA Club Credit Card Review (2017.10 Update: 50k Offer!)

Chase United MileagePlus Club Card (Chase UA Club) Review

2017.10 Update: Now there’s a 50k public offer! HT: reddit. Note that the first year annual fee is NOT waived. Considering this card falls under 5/24, and comparing with other 5/24 cards this card is not so good, so I don’t recommend it even if it has 50k offer. If you are interested in UA, you can consider Chase UA Explorer.

Application Link

  • Public offer: Chase UA Club
  • Targeted offer: Click this link to check Targeted Offer (login to UA account required). The current best targeted offer is first year annual fee waived, we guess you can see this offer if you flied UA recently or earned some UA miles in other ways. If you really want this card, you can apply in chase branches, because they may have the AF waived offer.

Benefits

  1. 50k offer: earn 50,000 UA Miles after spending $3000 in the first 3 months.
  2. Earn 2x miles on United. Earn 1.5 miles per dollar spent on all other purchases.
  3. We value UA mile at 1.6 cents (Airline Miles Value). So this card is like an everything 1.5×1.6=2.4% back card. See A Beginner’s Guide to UA Miles to check for details about UA Miles.
  4. You receive full United Club Membership from this card which allows you to enter United Clubs with up to 2 guests.
  5. You and one companion on the same ticket of United flights can each have 2 free checked baggage.
  6. Enjoy Premier Access on United flights.
  7. You get waived for close-in booking fee on award ticket.
  8. If you spend $25k or more in a calendar, you will receive PQD waiver up to Platinum status.
  9. Complimentary Hyatt Discoverist membership.
  10. Complimentary Hertz President’s Circle membership.
  11. No foreign transaction fee.
  12. Enjoy 25% bonus miles on MileagePlus X purchases.
  13. It’s made of metal, so it’s quite heavy and the feel of this card is cool.
  14. It’s free to add an authorized user, though there’s not much benefit.

Disadvantage

  1. Annual fee $450. Chase branches may have offer that waives it for the first year. Note that annual fee does not count towards the minimum spending requirement (and this is true for all credit cards)!

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
  2. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
  4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

This card is a great choice for non-bonus category spend, because it earns 1.5x miles. But now CFU is out there, this advantage is not unique any more. With full club membership and 2 bags free, you really can save a lot on United fights. However, the expensive annual fee is a major concern for keeping it. If you fly United a lot and reach Gold status, you already get Premier Access and checked bags free. Then, it depends on how you value the club membership. For most of us, this card is not worth applying.

Related Credit Cards

Recommended Downgrade Options

Historical Offers Chart

Application Link

  • Public offer: Chase UA Club
  • Targeted offer: Click this link to check Targeted Offer (login to UA account required). The current best targeted offer is first year annual fee waived, we guess you can see this offer if you flied UA recently or earned some UA miles in other ways. If you really want this card, you can apply in chase branches, because they may have the AF waived offer.

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