PointsVista · USA · Updated 2026-10-03

United Club

Chase · Airline

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Raised from 80K on Oct 1 (limited time, no end date), now public. The record 120K ran Mar–Aug 2022, so this is good but not peak.

Welcome offer
90K miles after $5K spend in 3 mo (+10K for an authorized user)
Best on record
120K miles after $6K spend in 3 mo (2022-03 to 2022-08)
Annual fee
$695
Rewards rate
1x-5x Miles
Regular APR
19.99%–28.49% Variable
Recommended credit score
Good to excellent (guide: FICO 670+ is “good”; the issuer doesn't publish a minimum)
Airport lounges
United Club membership; Star Alliance lounges on international trips. Unlimited when flying United or Star Alliance. 2 free guests.
Points go to
United MileagePlus. Miles go straight into United MileagePlus. They can’t be moved to another airline, but you can book Star Alliance partners such as Air Canada, Lufthansa and ANA.
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