I am considering the United Club credit card. Would be grateful if those who have it can share their experiences with the card. Worth it? Waste of a spot on the Chase's 5/24

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I usually stay away from cobranded cards unless there's a specific benefit I'm after (ie. Lounge access, free checked bags, etc.). For points and travel protections, you're almost always better off getting a premium travel card like the Chase sapphire Reserve or the AMEX platinum.

I’m on my second time having it and will cancel soon. I’ve only signed up when bonus was 60-75k miles after spend. Two lounge passes and Boarding Group 2 are nice perks. Chase Sapphire is a better long term card but United is good short term.

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