Rating: 4 Stars
Bottom Line:
United Club and Star Alliance Partner Lounge Access
TABLE OF CONTENTS
Card Details
| Regular APR: | 18.24 – 25.24% (Variable) |
| Intro APR (Purchases): | None |
| Intro APR (Balance transfers): | None |
| Rewards Rate: | Earn rewards faster with 1.5 miles per $1 spent on purchases |
| Credit Needed: | (740 – 850) Excellent |
| Annual Fee: | $450 |
| Card Brand: | Visa |
*See online credit card application for details on the terms and conditions.
Offer Highlights
- Click APPLY NOW to apply online
- 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
- 1.5 miles per $1 spent on all other purchases
- United Club membership: Enjoy access to United Club locations and participating Star Alliance affiliated lounges worldwide – up to a $650 value per year
- Free first and second checked bags: Save up to $280 per roundtrip
- Premier Access travel services: Receive priority check-in, security screening (where available), boarding and baggage handling
- The primary Cardmember is invited to enroll in the Hertz Gold Plus Rewards program’s exclusive President’s Circle tier and enjoy a 50% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers and more
- The primary Cardmember who is also a MileagePlus Premier member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United flights (when available)
Is United MileagePlus Club Card worth it?
United MileagePlus Club is a great card for people who are looking for United Club or Star Alliance affiliated lounge membership. Star Alliance members include Asiana Airlines, Avianca, Lufthansa, Swiss Air, Thai Airways, and more than 10 more. Consumers have reported that some of these lounges are better than United lounges, so this is a major perk.
Note that if you already have a United Club membership, you will be reimbursed for the unused portion of your membership once you’re approved for the card. However, if you are not interested in United Club membership at all, other cards will earn you a higher rewards rate.
United MileagePlus Club cardholders earn 1.5 miles per $1 spent on all other purchases and United Miles are worth about one to one and a half cents depending on if you redeem for the cheaper Saver fare or for the Everyday fare, which has more availability, so while 1.5 miles on every purchase is a great rewards rate on everyday spending it’s only about 1.5 – 2.25% back. Premium flyers would be able to get 3X points on travel and dining using the $450 annual fee Chase Sapphire Reserve at 4.5% back and 5X Membership Rewards points on flights booked directly with an airline or with American Express Travel using the $550 annual fee Amex Platinum at 5% back.
United MileagePlus Club has a $450 annual fee, so on rewards alone it doesn’t compare favorably with these cards for people who will be flying a lot and therefore earning a lot of travel rewards at a high rate. However, if you fly United often and will use the United Club or Star Alliance affiliated lounges, United MileagePlus Club is a solid premium travel card for you.
Pros
- 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open
- 1.5 miles per $1 spent on all other purchases
- Access to United Club locations and participating Star Alliance affiliated lounges worldwide
- No foreign transaction fee
- Redeem points on Star Alliance Partner airlines including Asiana Airlines, Avianca, Lufthansa, Swiss Air, Thai Airways, and more than 10 more.
Cons
- $450 annual fee
- You have to be flying United or a Star Alliance carrier to be able to use United Club
- No Global Entry/TSA Precheck application credits
Why 4 Stars?
Regular APR
4 Stars
Intro APR
4 Stars
Fees
4 Stars
Perks
5 Stars
Overall
4 Stars
Fees
| Foreign Transaction Fee | None |
| Balance Transfer Fee | Either $5 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Penalty APR | None |
Benefits
| $0 Fraud Liability |
| Auto Rental Collision Damage Waiver |
| Baggage Delay Reimbursement |
| Concierge Service |
| Emergency Card Replacement |
| Emergency Cash Disbursement |
| Extended Warranty Protection |
| Lost Luggage Reimbursement |
| Travel Accident Insurance |
| Price Protection |
| Purchase Protection |
| Return Protection |
| Roadside Dispatch |
| Travel and Emergency Assistance |
| Trip Cancellation/Trip Interruption Reimbursement |
| Trip Delay Reimbursement |
Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.
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