Skip to content
Visa2/4 on file
✓ Annual fee checked
JPMorgan Chase Bank · Visa

United Club Card

AirlineDiningLounge AccessNo FX FeePremiumRewardsTravelTravel Insurance

The United Club Card is a Visa card from JPMorgan Chase Bank with an annual fee of $695. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Dec 2025), foreign transaction fee (Dec 2025). Not yet checked with JPMorgan Chase Bank: credit requirement. JPMorgan Chase Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee$695per yearChecked files.consumerfinance.gov
Apply on JPMorgan Chase BankCompare this card
Opens JPMorgan Chase Bank’s site

Bank with branches in: California (855), New York (572), Texas (482), Florida (434), Illinois (260), Ohio (230), New Jersey (189), Arizona (185) and 41 more. Where it has branches is not a rule on who may apply.

Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026

Ledger entry

The receipt

Every cost line we hold for the United Club Card, exactly as recorded.

Annual fee
$695Checked files.consumerfinance.gov
Supplementary card
Not confirmed
Foreign transaction
NoneChecked files.consumerfinance.gov
Purchase APR
Not confirmedWe couldn't verify this · check with the issuer
Income requirement
Not confirmed
Network
Visa
Credit needed
ExcellentNot yet checked with JPMorgan Chase Bank
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the United Club Card. That may mean there isn’t one, or simply that we have not recorded it — JPMorgan Chase Bank’s own page is the place to check.

We couldn't verify this · check with the issuer
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the United Club Card. Rather than print a multiplier we cannot source, this stays blank until JPMorgan Chase Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • United Club membership access
  • Free first and second checked bags for primary cardmember and one companion
  • Global Entry, TSA PreCheck, or NEXUS statement credit up to $120 every 4 years
  • 25% back on United inflight food, beverage, and Wi-Fi purchases
  • $200 Renowned Hotels and Resorts statement credit annually
  • $150 Rideshare statement credit annually
  • Avis President's Club membership
  • Up to $100 Avis or Budget travel credit annually
  • Complimentary Instacart+ membership with monthly credits
  • $200 JSX statement credit annually
  • Premier Access (priority check-in, security, boarding, baggage)
  • Earn Premier Qualifying Points (PQP) toward elite status
  • 1,500 bonus PQP annually
  • 10,000-mile award flight discounts for spending milestones
  • IHG One Rewards Platinum Elite status
  • Visa Infinite Concierge service
  • United Club All Access membership eligibility after $50,000 spend or Premier Gold status
Next step

Ready to apply for the United Club Card?

You'll finish the application on JPMorgan Chase Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens JPMorgan Chase Bank’s site
Questions

Questions about the United Club Card

How much is the United Club Card annual fee?

The United Club Card has an annual fee of $695. Weigh that against the rewards and perks you will actually use.

What does the United Club Card earn?

We could not verify the United Club Card's earn rates, so we do not print a multiplier. Check them on JPMorgan Chase Bank's own site.

What network is the United Club Card on?

The United Club Card runs on the Visa network, which determines where it is accepted and which network-level benefits apply.

Is the United Club Card available in United States?

Yes — the United Club Card is issued by JPMorgan Chase Bank and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.

When were the United Club Card figures last checked?

We checked its annual fee in December 2025 and its foreign transaction fee in December 2025, each against a published document. Not yet checked with JPMorgan Chase Bank: credit requirement. We could not verify, so we do not print: purchase APR, earn rates and welcome offer. Check them with JPMorgan Chase Bank. Terms can change without notice, so confirm the current details with JPMorgan Chase Bank before you apply.