Got sent an invitation to apply for the United MileagePlus Club VISA card. First year annual fee waived. Any good? Thoughts and feedback welcome

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That's free lounge access for a year ($450 fee waived). If you fly United frequently that sounds pretty good to me.

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Get Uber Visa card

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No mileage bonus signup offer, don’t give them your business

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To be honest I've not enjoyed the United Club experience. It's usually crowded, there's not much real food in there (drinks & snacks yes), and I don't find I get a lot of opportunity to take advantage of it. Your mileage may vary with it though - so I guess depends on how much you fly United through airports with a United Club. I think sign up points bonuses are worth more though than a free year of united club access due to flexibility in booking travel.

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What’s the bonus miles signup offer?

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Agree with BCG1. Sometimes I go straight to gate and don’t even bother. Club is only good for soup, cookies, and coffee

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I disagree with BCG1. The biggest appeal to the club is the exclusive access to “gate agents”. The staff in the club can change/modify anything that a gate agent can, yet they rarely ever deal with disgruntled patrons. This has saved me many times when weather causes issues. Now, I would not do the card. Get the CSR and pay for the membership to get the travel reimbursement. Or get the United card and earn double miles for a “United” purchase.

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If you're looking for a card with lounge access, Amex Platinum is the way to go. However, not at every airport. The United lounge is fine

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Agree that a nice bonus miles is required or walk away.

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Any credit card app is a hard pull.

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Credit card apps are minimal impact on credit scores. I do two a year and way over 840

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The bonus miles are nice, but if I got this offer I'd absolutely take it. Enjoy the lounge for a year, then cancel and apply for the United Explorer during one of the 70k bonus offers.

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Zero

Basically your decision is: Is 1 year of United Club Access worth (to you) the hit your credit score will take (hard pull and pulling down average credit history length).

C1: that’s a good point but I didn’t think it’ll be a hard pull though. After using the card and showing pay discipline I imagine the credit rating will recover? That’ll probably take a few months but no more than 6?

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