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Chase · Visa

United Club℠ Card

★★★★★ 4.6 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$695
Rewards rate
1x
Intro offer
Intro value may include 90,000 points. Confirm current requirements with the issuer.
Recommended credit
Excellent (720+)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
$695
Purchase APR
APR range: 19.74% - 28.24%
Balance transfer APR
APR range: 21.99% - 28.99%
Cash advance APR
APR range: 29.99%
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $41
Grace period
21 days
Recommended credit
Excellent (720+)
Terms last updated
7/11/2026
Key benefits
  • Travel-focused card positioning
Rewards breakdown

Wafacard summary: this travel rewards card shows miles earning from 1x-11x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.

Intro offer: Intro value may include 90,000 points. Confirm current requirements with the issuer.

Card details

Wafacard note: key fit signals include travel-focused card positioning. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Chase
Network
Visa
Type
travel
Review status
Terms reviewed 6/30/2026

Is United Club℠ Card worth it?

The United Club℠ Card is a premium travel card from Chase with a $695 annual fee, so it needs to earn its keep through rewards and benefits. It lists 1x on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Intro value may include 90,000 points. Confirm current requirements with the issuer. It is generally aimed at applicants with excellent (720+) credit, with a purchase APR around APR range: 19.74% - 28.24%. Confirm current terms on Chase's site before applying.

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