United MileagePlus® Club Card

No Over-the-Limit Fee. You won’t pay an over-the-limit fee if your credit card balance goes over your credit limit.

For Example:

Let’s say your credit card limit is $5,000. One month, you spend more than your limit on the card. Some credit card companies will charge you between $25 and $35 for this mistake. If your card advertises no overlimit fee, you won’t be charged a penalty for your spending.

This credit card comes with a No Penalty APR. You won’t default to a higher APR if your payment arrives on or after day 60.

Baggage Delay Insurance. Should your bags be delayed, this credit card can cover the cost of purchasing essential items.

Extended Warranty Insurance. This credit card extends the original manufacturer’s warranty of an item. You get the benefits of an extended warranty without purchasing the store’s expensive extended warranty.

Flight Delay Insurance. If a flight is delayed due to the weather or another covered reason, you can be reimbursed for additional transportation cost, meals, and accommodations.

Lost or Stolen Baggage Insurance. The credit card will cover replacing the contents of lost, damaged, or stolen bags, up to a given dollar value.

Imagine that thing you bought at full price goes on sale the next week. With this credit card’s Price Protection benefit you can get back the difference between the sales price and what you paid. You can only claim this benefit for the exact item: same model; same manufacturer; same everything.

For Example:
Let’s say you bought a round-trip ticket to Orlando for $750, but two weeks later, the airline has a sale. Everything is the same, except it now costs $500. If you had a price protection guarantee on your credit card, your credit card company would refund you $250. Contact your credit card company to find out specifics on how to get the money back.

Purchase Protection. If that thing you bought is stolen or accidentally damaged within a specific period of time, you’re covered. The credit card company may reimburse you up to the full purchase price.

Rental Car Insurance. This credit card covers any damage from collision or theft on most rental vehicles, up to the value of the car.

Have you ever had that thing you bought break just outside the warranty period? With Return Protection, you have a longer warranty period to make sure it worked, or decide if you like it.

Travel Accident Insurance. If you’re ever in an accident while on a vehicle licensed to transport the general public, you’ll want this insurance. It covers injuries from losing an eye or a limb all the way up to death.

Trip Cancellation Insurance. You can have your non-refundable fees refunded if your cancellation reason meets certain criteria determined by the credit card company.

Trip Interruption Insurance. You can claim up to 150% of your unused, prepaid trip costs if it was for a qualified reason.

Emergency Cash Advance. If your credit card is lost, damaged or stolen, you can ask the credit card company for some emergency cash. They will authorize the payment, which you can collect from a designated financial institution.

Emergency Card Replacement. Whether your card is lost, stolen or damaged, the credit card company can provide help as soon as next day. It doesn’t matter if you’re still on vacation, the credit card company will mail a replacement to you wherever you are. This will be done free of charge.

The credit card company’s Fraud Protection keeps your account safe from unauthorized charges. In fact, once the charges are proven fraudulent, you will be guaranteed a refund. All you have to do is check your statement. If you find something wrong, contact the credit card company and file a claim.

Zero Liability. If you didn’t buy it, don’t pay for it. You will not be held responsible for any unauthorized charges that appear on your account.

Entertainment Access. Some credit card companies host exclusive card member-only events, like Broadway shows, concerts, sporting events and more.

Bonus Miles. This card gives you an opportunity to earn bonus airline miles when you sign up. This offer is usually valid for a specified time, usually a few months.

United Club℠ Card allows you to pay off part or your entire bill with a Statement Credit offered as a sign-on bonus.

For example, you have a credit card which offered a $200 statement credit. In order to get it, you have to make purchases totaling $1000 or more within the first 90 days of opening the card. You spend $1100. When you get your credit card statement for the month following the introductory period, your bill will be reduced by $200. So if your credit card bill is $500, you will only have to pay $300.

Free Checked Bag. Some credit cards offer 1 or 2 free checked bags for you and sometimes for people traveling with you.

Lounge Access. This credit card grants you access to airport lounges. Imagine waiting for your flight in comfort, with complimentary refreshments and cozier seats. Sometimes, the lounges have other amenities, like showers and travel-sized brand name toiletries. Maybe they won’t mind giving you a few more samples for later.

No Blackout Dates. With this credit card, you avoid dates when travel rewards and other special discounts and promotions are unavailable.

No Foreign Fees. With this credit card, you won’t pay any fees on any transactions you make while traveling overseas.

Priority Baggage Handling. Your bags are among the first to arrive on the baggage carousel.

Priority Boarding. This credit card allows you to board the airplane first.

Priority Check-In. With this perk, you won’t spend long in the check-in line.

With this benefit, you won’t spend long in the security line. Priority Security may also grant you TSA Pre-check benefits, for free.

Roadside Assistance. This credit card company can arrange for someone to meet you for roadside repairs. They can also organize to have your car towed to your home or a shop within a specific radius.

Travel and Emergency Assistance. This credit card provides you with referrals and assistance for emergency services.