Home › Credit Cards › Chase

United Club Card: up to 100,000 miles — 90,000 after $5,000 plus 10,000 for an authorized user (limited time)

What the bonus is worth: Up to ~$1,200 toward flights at ~1.2¢ per mile — before counting the $750+ Club membership.

Limited-time offer.

Our take

Only get this card if United is your airline. The Club membership alone costs $750+ bought straight from United, so for a hub regular the $695 fee is covered before the bonus even lands — and up to 100,000 miles is the richest public United offer running right now. Fly United twice a year? The Explorer card gives you a free checked bag and two Club passes a year for $0 the first year, then $150.

Who it's for

United loyalists who fly out of Newark, Chicago, Houston, Denver or San Francisco and would otherwise pay for a United Club membership — or anyone chasing Premier status.

Rates & fees at a glance

Welcome bonus	Up to 100,000 miles
Spend requirement	$5,000 in the first 3 months
Annual fee	$695 (Limited-time offer)
APR	19.99%–28.49% variable APR on purchases
Earns	United MileagePlus miles
Network	Visa
Checked	Oct 14, 2026 on Chase's site

How to stack it

• Time the application with a big planned expense (insurance, tuition, a trip) so the spend requirement is money you'd spend anyway.
• Shop through a cashback portal and the card's own offers (Chase Offers, Amex Offers, Capital One Offers) while meeting the spend — the bonus stacks on top of normal earning.
• Set a calendar reminder for the end of the spend window and another before the first annual fee posts.

Verified: Chase's United Club page + Doctor of Credit / TPG offer trackers, checked Oct 14, 2026: earn up to 100,000 bonus miles — 90,000 after $5,000 in purchases in the first 3 months from account opening, plus 10,000 more after adding an authorized user in the first 3 months. $695 annual fee, not waived the first year. Limited-time offer; no end date published. Source: creditcards.chase.com. Offers change; the issuer's page is final.

Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.

Common questions

How do I get the full 100,000 miles?

90,000 miles post after you spend $5,000 on purchases in the first 3 months. The last 10,000 come from adding an authorized user in the first 3 months (Chase counts it as a qualifying activity — check the offer terms on Chase's page). Skip the authorized user and you still get 90,000.

Answered by StackTheDeal

Is the $695 fee really worth it?

If you'd buy a United Club membership anyway — it starts at $750 — the fee is already covered, and the free first and second checked bags (up to $440 a roundtrip for two people) and the bonus miles are gravy. If you won't use the lounges, it isn't worth it.

Answered by StackTheDeal

Does Chase's 5/24 rule apply?

Yes. Like other Chase cards, if you've opened 5 or more personal cards from any bank in the last 24 months, expect a denial.

Answered by StackTheDeal

Can I get this bonus again later?

Not while you hold the card, and not if you received the United Club new-cardmember bonus in the past 24 months.

Answered by StackTheDeal

Do United miles expire?

No. MileagePlus miles never expire, and United-operated award flights have no blackout dates.

Answered by StackTheDeal

Is the bonus taxable?

No. Miles earned by meeting a spending requirement are treated as a purchase rebate, not income.

Answered by StackTheDeal

Apply on Chase's site 👉

Questions about this offer?

💬 Ask us and we'll check it for you: message us on WhatsApp or email stackthedeal@gmail.com. Found it cheaper? Tell us and we'll update the post.