As of 2026, the primary credit card that provides a full, unlimited United Club membership is the United Club℠ Card (and its business version, the United Club℠ Business Card). This card carries a high annual fee, currently around $695, but it allows the cardholder and up to two guests to access over 45 United Club locations and participating Star Alliance affiliated lounges worldwide. For travelers who don't fly frequently enough to justify the high fee, the United℠ Explorer Card is a popular mid-tier option; it provides two one-time United Club passes annually upon account opening and on each anniversary. Additionally, premium cards like the Chase Sapphire Reserve® do not offer United Club access specifically but provide a "Priority Pass" membership for a wider network of global lounges. For 2026 travelers, the Club Card remains the "gold standard" for loyal United flyers, especially as the airline continues to modernize its lounge network with "United Club Fly" concepts and improved amenities.