United Club℠ (discontinued)
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How we calculate effective rate →
The United Club℠ (discontinued) from Chase earns up to 1.8% effective value on dining in Madeen's catalog snapshot. Its annual fee is $450.
- Top category
- Dining
- Effective value
- 1.8%
- Annual fee
- $450
Best for dining-heavy spend when the $450 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5x miles.
What does the United Club℠ (discontinued) earn in each category?
Dining is the strongest category at 1.8% effective value (1.5x miles at about 1.2 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United Club℠ (discontinued) compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.8% effective value (1.5x miles at about 1.2 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how United Club℠ (discontinued) compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x miles | 1.8% Top category |
| Grocery Supermarkets and grocery stores | 1.5x miles | 1.8% |
| Gas Gas stations and fuel | 1.5x miles | 1.8% |
| Travel Flights, hotels, transit | 1.5x miles | 1.8% |
| Other General everyday spend | 1.5x miles | 1.8% |
Madeen values United MileagePlus at about 1.2 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the United Club℠ (discontinued)?
The United Club℠ (discontinued) fits spenders who put meaningful volume in dining and can earn 1.5x miles. Best for spenders who put meaningful volume in dining and can earn 1.5x miles.
United Club℠ (discontinued) fits spenders who put meaningful volume in dining and can earn 1.5x miles. Madeen ranks its dining effective rate higher than about 59% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5x miles.
Less compelling if the $450 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $450 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.8% effective (1.5x miles).
- No foreign transaction fee listed.
Cons
- $450 annual fee requires enough spend in bonus categories to offset.
- United MileagePlus value depends on how you redeem, not straight cash back.
Does the United Club℠ (discontinued) have an annual fee?
The United Club℠ (discontinued) has an annual fee of $450 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $450
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the United Club℠ (discontinued)
Does the United Club℠ (discontinued) have an annual fee?
The United Club℠ (discontinued) carries an annual fee of $450 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the United Club℠ (discontinued)?
Dining is the strongest Madeen category for the United Club℠ (discontinued) at about 1.8% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the United Club℠ (discontinued) charge foreign transaction fees?
The United Club℠ (discontinued) does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the United Club℠ (discontinued) annual fee worth it?
Whether the $450 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the United Club℠ (discontinued)?
Madeen's catalog lists a typical credit range of Excellent for the United Club℠ (discontinued). Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the United Club℠ (discontinued)?
Rewards on the United Club℠ (discontinued) post as United MileagePlus. Redemption value depends on how you use United MileagePlus (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the United Club℠ (discontinued) compare to similar cards?
Compare the United Club℠ (discontinued) against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
United Club℠ (discontinued) This card | Dining | 1.8% | $450 |
Chase | Dining | 4.5% | $95 |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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