WorthTheFeeWorth The Fee

Is the Chase United Club Card worth the $695 annual fee?

Only if the value you actually use clears $695. This card’s credits add up to $920 across 17 benefits, but 4 require enrollment and 12 expire on a deadline. Here is the math, from the issuer’s own terms.

Run the WTF CheckAbout 60 seconds. No bank login.

The short answer

Annual Fee
$695
Verified Sep 19, 2026 from creditcards.chase.com
Charged whether you use anything or not.
Break-even
$695
Value you must actually use to come out even.
Automatic value
$0
Nothing here arrives on its own — every dollar is one you claim. Claim every credit and it gives back $920 a year.

What the $920 is actually made of

Automatic
$0
Arrives on its own — counted with no selection.
Yours if you use it
$920
Real credits you must use before they expire.
Perks you value
$0
Requires spend or a condition. Never counted for you.

Advertised totals assume perfect usage. That is why we separate value that arrives on its own from value you have to chase, and never count value you have to earn.

Illustrative fee example

Automatic value$0
Half of what is yours if you use it (of $920)$460
Perks you value$0
Annual Fee− $695
Net Value−$235CANCEL

Example only — your result depends on what you actually use. Assumes every automatic credit posts, half the value of each credit that is yours if you use it, and nothing from perks you value.

Every tracked benefit, and what it takes to get it

Each one says whether a person has read it in Chase’s own terms, and on what day. The ones nobody has read yet say that too.

Receive two $10 credits per month in the Instacart App

Two $10 Instacart credits monthly, up to $240 each calendar year. Benefits end 12/31/27.

Resets every monthEnrollment requiredTwo $10 credits per month while an Instacart+ membership is active - activate at instacart.com/p/chase-united by 12/31/27. Each credit requires one order of $10 or more at a SINGLE retailer; limit one credit per order. Credits do NOT roll over into the following month. Excludes taxes, service and delivery fees, tips and restaurant orders powered by Uber Eats. The complimentary Instacart+ term auto-bills $99 a year at the then-current rate unless cancelled. Delivered as in-app Instacart credit, not a statement credit.
Verified Sep 28, 2026 from theexplorercard.com
$240
$200 JSX Statement Credit
Resets once a yearUp to $200 per anniversary year on purchases made directly with JSX. Automatic.
Verified Sep 28, 2026 from theexplorercard.com
$200
$200 Renowned Hotels and Resorts Statement Credit
Resets once a yearUp to $200 per anniversary year (the year that starts on your account open date) on prepaid ("Pay Now") bookings made directly through Renowned Hotels and Resorts for United Cardmembers. Automatic.
Verified Sep 28, 2026 from theexplorercard.com
$200
$150 Rideshare Statement Credit

Up to $12/mo Jan-Nov and $18 in December as statement credits on rideshare purchases, up to $150 each calendar year. Yearly opt-in required.

Resets once a yearEnrollment required"Earn up to $12 back as a statement credit each month from January to November and up to $18 back as a statement credit in December," up to $150 per calendar year. "You must enroll to receive this benefit. You will receive this benefit starting the day after enrollment, continuing each month through the end of the calendar year."
Verified Aug 22, 2026 from creditcards.chase.com
$150
Up to $100 Avis or Budget Travel Credit

$50 in United TravelBank cash for your 1st and 2nd Avis or Budget rental, up to $100 each anniversary year.

Resets once a year$50 in United TravelBank cash on each of your 1st and 2nd eligible Avis or Budget rentals, up to $100 per anniversary year. Book at cars.united.com; 2-day minimum rental. Paid as United TravelBank cash, not a statement credit.
Verified Sep 28, 2026 from theexplorercard.com
$100
Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit
Resets on a multi-year cycleOne statement credit up to $120 every four years, for Global Entry OR TSA PreCheck OR NEXUS - whichever program fee is charged to the card first. Purchases through third parties such as travel agencies or application assistance services are not eligible.
Verified Sep 19, 2026 from creditcards.chase.com
$30
Avis President's Club

Avis President's Club status, on enrollment.

Always on — it never resetsEnrollment requiredENROLLMENT REQUIRED: the primary cardmember must enroll at united.com/AvisChaseBenefit. Allow up to 7 business days after enrolling. Once enrolled, the Avis Preferred number must be included in each Avis reservation or the benefits do not apply. Primary cardmember only. No dollar value is stated in the terms.
Verified Sep 20, 2026 from creditcards.chase.com
$0
PQP Earning (1 per $15 spend)

Premier Qualifying Points earned from card spend.

Resets once a year1 Premier Qualifying Point per $15 in net purchases, including authorized-user purchases, up to 28,000 PQP within the calendar year. Applies toward Premier status tiers up to and including Premier 1K. NEITHER THE RATE NOR THE CAP IS FIXED: the terms say PQP earn rate, annual cap and qualification requirements may vary by MileagePlus program year and card type, and that United calculates them at its discretion. Allow 6 to 8 weeks after qualifying purchases to post. Paid in PQP, not dollars.
Verified Sep 11, 2026 from creditcards.chase.com
$0
1,500 Card Bonus PQP

1,500 Premier Qualifying Points each February, with no spend requirement.

Resets once a year1,500 Card Bonus Premier Qualifying Points, posted within 6 to 8 weeks after February 1 each year. No spend required. The account must be open as of December 31 of the prior year and open and not in default at fulfillment. These PQP do NOT count toward the 28,000 PQP calendar-year cap earned from spend. United reserves the right to remove them if the account is closed or downgraded during the qualification year. Paid in PQP, not dollars.
Verified Sep 11, 2026 from creditcards.chase.com
$0
United Club All Access ($50k spend or Premier Gold)
Resets once a yearRequires $50,000 spendUnlocked by exceeding $50,000 in net purchases in a calendar year OR by holding Premier Gold status or higher. Adds Star Alliance lounge access and a second adult guest (two adults, or one adult plus dependent children under 18). Chase states the validity two ways: through the following calendar year, or through the end of the next United program year. Purchases made on a different United card before an upgrade do not count toward the threshold.
Not verified yet — we have not read this one in Chase’s own terms.
$0
United Club One-Time Passes

Four United Club one-time passes each anniversary, if All Access and an AU.

Resets once a yearDOUBLE-CONDITIONAL: four passes are deposited after each cardmember anniversary only if the primary cardmember has United Club All Access membership AND an authorized user at the time of anniversary. No All Access - meaning under $50,000 spend and below Premier Gold - means no passes regardless of the authorized user. Allow 4 weeks to post, and 3 weeks from adding an authorized user before that user may redeem a pass without the primary present. The airline limits each pass to the three hours immediately prior to scheduled departure, and excludes Polaris, Arrivals, Partner and Club Fly locations (airline terms, not issuer terms).
Verified Sep 20, 2026 from creditcards.chase.com
$0
IHG One Rewards Platinum Elite Status

IHG One Rewards Platinum Elite status for the primary cardmember.

Always on — it never resetsEnrollment requiredREGISTRATION REQUIRED: the primary cardmember must register at united.com/ihgstatus. Allow 4 weeks for IHG to process. Status is held only while the credit card account remains open and the IHG One Rewards membership remains in good standing. Primary cardmember only. No dollar value is stated in the terms.
Verified Sep 20, 2026 from creditcards.chase.com
$0
First and Second Checked Bags Free
Always on — it never resetsPrimary cardmember plus one traveling companion on the SAME reservation; authorized users qualify only when on that reservation. The ticket must be purchased with this card - waived for flights completed in the first 90 days after account open - and the MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Cardmembers already exempt from checked baggage charges receive no additional free bags. Per reservation, not a periodic allowance, so no reset anchor is asserted.
Verified Sep 20, 2026 from creditcards.chase.com
$0
25% Back on United Inflight and Club Premium Drinks

25% statement credit on United inflight purchases and Club premium drinks.

Resets once a year25% back as a statement credit on food, beverage and Wi-Fi purchases on board United and United Express operated flights, on Wi-Fi subscriptions, and on premium drink purchases at United Clubs. Authorized-user purchases on the account also qualify. NO CAP IS PUBLISHED anywhere in the terms - an uncapped percentage credit is unusual and is flagged for re-verification. Posts within 24 hours of the onboard purchase posting, unlike every other credit on this card, which takes 6 to 8 weeks. Value 0 because the benefit is a percentage with no stated ceiling, not a fixed amount.
Verified Sep 20, 2026 from creditcards.chase.com
$0
Award Flight Discounts (10% / 15%)

Reduced mileage pricing on United award flights.

Resets once a yearPrimary cardmembers book United and United Express award flights with at least 10% fewer miles, or at least 15% fewer with MileagePlus Premier status. Separately, award flights in United Economy on United or United Express cost 10% fewer miles.
Verified Sep 20, 2026 from creditcards.chase.com
$0
Premier Access
Always on — it never resetsPriority check-in, security screening, boarding and baggage handling. Primary cardmember plus companions on the SAME reservation; authorized users qualify only when on that reservation. The MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Allow 2 weeks after account opening. Per reservation, not a periodic allowance, so no reset anchor is asserted.
Verified Sep 20, 2026 from creditcards.chase.com
$0
United Club Card Membership
Always on — it never resetsPrimary cardmember only - authorized users receive no membership of their own and get access only when accompanying the primary as an eligible guest. Allows one adult guest plus dependent children under 18 per visit. A same-day boarding pass on a United, Star Alliance or contracted partner operated flight is required for entry, at the departure or arrival airport only (airline terms, not issuer terms). Does NOT cover United Polaris or United Arrivals lounges, and does NOT include Star Alliance lounges on the base membership. Renews automatically on each credit card anniversary date; cancelled on account closure. Allow 2 weeks after account open for activation.
Verified Sep 20, 2026 from creditcards.chase.com
$0

Who this card is not for

  • Anyone who would use less than $695 of value a year — at that point the fee is a straight loss, no matter how good the card looks on paper.
  • People who will not enroll. 4 of the 17 benefits pay nothing until you opt in.
  • People who dislike deadlines. 12 benefits expire on a schedule and do not roll over.

Official sources

Every fee, credit and restriction on this page is taken from Chase’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.

Verified against official issuer sources on September 20, 2026. Issuers change terms without notice. Confirm on the issuer page before applying.

Chase United Club Card FAQ

What is the annual fee on the Chase United Club Card?

Chase lists the Chase United Club Card annual fee at $695. If you hold an older version of the card at a different fee, you can enter your actual fee in the WTF Check so the math reflects what you really pay.

What is the break-even point on the Chase United Club Card?

You break even once the value you actually use reaches $695. WorthTheFee tracks 17 benefits worth up to $920 in listed value — that is the maximum, not a guarantee. Unused credits do not count toward break-even.

Do any Chase United Club Card benefits count automatically?

No. Every tracked benefit on this card requires you to use it or meet a condition, so WorthTheFee starts your net value at −$695 and only adds value as you confirm usage.

Which Chase United Club Card benefits require enrollment?

4 of the 17 tracked benefits require you to enroll before they pay out. An unenrolled credit is worth nothing regardless of what the issuer advertises, so WorthTheFee flags them separately.

How often do the Chase United Club Card credits reset?

Credits reset on different clocks: 10 reset once a year, 1 resets every month, 1 resets on a multi-year cycle. Unused credits do not roll over — when a period ends, that value is gone.

Do unused Chase United Club Card credits roll over?

No. Statement credits expire at the end of their period. That is why WorthTheFee counts only the value you confirm you will use, rather than the issuer's advertised total.

Where did WorthTheFee get these Chase United Club Card benefit values?

From Chase's own published card and terms pages, linked in the Official sources section on this page. WorthTheFee is not the issuer and does not receive payment to change a verdict.

When were the Chase United Club Card terms last checked?

WorthTheFee last reviewed this card against Chase's official sources on September 20, 2026. Issuers change terms without notice — always confirm on the issuer page before applying.

Run the WTF Check on the Chase United Club Card

Mark the credits you would actually use and get your own verdict — Worth It, Watch It, or Cancel. No bank login. No card number.

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Card facts verified September 20, 2026.