If you use Star Alliance for air travel often enough to have Star Alliance Gold status, you are offered access to all the Star Alliance lounges in the world. Obviously, this is an excellent benefit of choosing Star Alliance carriers. Another way to get access to Star Alliance lounges is to have a paid membership through your airline. United has a paid membership program called the "United Club". The Star Alliance website describes the access policy for paid memberships to all Star Alliance lounges: "As an eligible holder of Paid Lounge Membership, you have access to any Star Alliance member airline Business Class Lounge. Eligible paid memberships include United Club and Air Canada Maple Leaf Club – Worldwide. You will need to show your boarding pass for a Star Alliance flight departing from the local airport together with your valid eligible paid lounge membership card, displaying the Star Alliance Lounge Logo. You are entitled to a maximum of one guest. Except in Singapore where the Singapore Airlines Krisflyer Gold Lounge is available."
This means that even if you aren't a Star Alliance Gold member, you can still enjoy the Business Class lounges via your "United Club" membership. While the "United Club" membership is, at the time I write this, obtainable for 550 dollars or 70,000 miles, if you get a Chase bank United Mileage Club Visa card, you are enrolled in the "United Club" paid membership program. That is another excellent benefit to having a card that does not charge foreign transaction fees.
Unfortunately, what is promised and what you get are two very different things. Don’t count on this benefit actually being honored by Star Alliance, especially when you travel to Germany. I have been denied entry to the Star Alliance lounges twice in 2015 in the Frankfurt International airport despite showing my membership card. Further, the German attendants have never heard of the program and the access rights offered by the “United Club”. The same thing will happen to you in Hong Kong, as it also happened to me in 2015, so that I want to advise other travelers that if you have the "United Club" membership, whether through a Chase credit card or otherwise, you will likely not be allowed in to several Star Alliance lounges internationally as the agreement is unknown by the staff in Star Alliance lounges abroad.
Safe and comfortable traveling to all who read this, hopefully this will help you plan more comfortable travel, and thanks to Rick Steves for his excellent and useful website.