United Club

Cardmembers are covered for accidental death or dismemberment up to $500,000 when travel is purchased with the card.

Cardmembers may be reimbursed up to $10,000 per trip (up to $20,000 per year) for non-refundable travel expenses if a trip is cancelled or interrupted due to a covered reason such as illness or severe weather.

If carry-on or checked bags are damaged or lost by the carrier, cardmembers and immediate family members are covered up to $3,000 per passenger.

Primary cardmember and eligible travel companions receive unlimited access to United Club airport lounges as well as participating Star Alliance member lounges worldwide.

The card effectively provides a full standalone United Club membership (which retails for $650+ per year) at no additional cost beyond the annual card fee.

If a common carrier trip is delayed more than 12 hours or requires an overnight stay, cardmembers can be reimbursed up to $500 per ticket for reasonable expenses such as meals and lodging.

If checked baggage is delayed more than 6 hours, cardmembers can be reimbursed up to $100 per day for up to 3 days for essential purchases like clothing and toiletries.

Cardmembers receive a statement credit of up to $100 every 4.5 years to cover the application fee for Global Entry, which includes TSA PreCheck.

The primary cardmember and one companion on the same reservation also receive their second checked bag free on United-operated flights.

The primary cardmember and one companion on the same reservation each get their first checked bag free on United-operated flights.

Cardmembers receive 1,500 Premier Qualifying Points (PQP) for every $12,000 spent on the card per calendar year, up to a maximum of 3,000 PQP annually, helping toward elite status.

Cardmembers receive 25% back as a statement credit on United in-flight purchases including food, beverages, and Wi-Fi when paying with the card.

Cardmembers receive Premier Access benefits including priority check-in, security (where available), boarding, and baggage handling on United-operated flights.

New purchases made with the card are protected against damage or theft for 120 days, up to $10,000 per claim and $50,000 per account.

The card extends the original U.S. manufacturer's warranty by one additional year on eligible warranties of three years or less.

When the card is used to pay for a rental car and the primary insurance is declined, cardmembers receive primary rental car collision and theft coverage up to the actual cash value of the vehicle.

$695 Annual Fee