- Annual Fee
- $150
- Ongoing Annual Value
- $471
- First-Year Value Estimate
- $1,060
- Net Value
- +$321
Sign-up Bonus
Earning Structure
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (8)
- Rideshare: $8 (Monthly)
$8 monthly Jan-Nov, $12 in December. Up to $100 total rideshare statement credits per year. Yearly enrollment required
- United Hotels: $100 (Annual Cardmember Year)
$50 back on both 1st and 2nd prepaid hotel stays purchased directly through United Hotels, up to $100 each anniversary year
- FareLock: $25 (Annual Cardmember Year)
$25 FareLock credit per anniversary year
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Instacart: $10 (Monthly)
$10 monthly Instacart credit, up to $120 per calendar year. Requires active Instacart+ membership (complimentary for 3 months, then 25% off renewal). Through 12/31/27
- United Travel Credit: $125 (Annual Calendar Year)
After 5 United flight purchases of $100+ each calendar year
- JSX: $100 (Annual Cardmember Year)
Up to $100 back as a statement credit each anniversary year on direct JSX bookings
- Avis/Budget: $50 (Annual Cardmember Year)
$25 in United TravelBank cash for 1st and 2nd Avis or Budget rental booked through cars.united.com, up to $50 each anniversary year
Lounge Access (1)
- United Club Passes (2 visits/year) — paid guests allowed
Elite Status (1)
- United MileagePlus: Earn 1 Premier Qualifying Point (PQP) per $20 spent, up to 4,000 PQP per year
Protections (8)
- Travel Accident Insurance — up to $500,000 — Up to $500,000 for accidental death/dismemberment on common carrier
- Trip Cancellation/Interruption — up to $1,500 — Up to $1,500 per person, $6,000 per trip for non-refundable trip costs
- Trip Delay — up to $500 — Up to $500 per person for delays over 12 hours or requiring overnight stay
- Baggage Delay — up to $300 — Up to $100/day for 3 days for essentials when baggage delayed over 6 hours
- Lost Luggage Reimbursement — up to $3,000 — Up to $3,000 per person for lost, damaged, or stolen baggage
- Purchase Protection — up to $10,000 — 120 days coverage for theft/damage/involuntary parting
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (primary) — up to $60,000 — Primary coverage up to $60,000 for theft and collision damage on rental vehicles with MSRP up to $125,000
Other Perks
- 2 Economy Plus seat upgrade credits after $25K in purchases in a calendar year
- improved saver award availability including Polaris business class
- at least 10% off all United award flights; 15% off with Premier status (effective April 2, 2026)
- earn miles on Basic Economy flights (non-elite members must hold a co-branded credit card to earn miles on Basic Economy, effective April 2, 2026)
- cardholders earn 3 additional MileagePlus miles per dollar spent on United flights (effective April 2, 2026)
- unlocks complimentary elite upgrades on award tickets
- free first checked bag when the primary cardmember's MileagePlus number is on the reservation and tickets are purchased with the card; purchase requirement is waived for flights within 90 days of account opening
- priority boarding
- Complimentary DoorDash DashPass for 12 months (must activate by 12/31/27)
- 5K bonus miles at anniversary when you have this card and also a personal Chase United credit card
- Complimentary Instacart+ membership for 3 months (25% off renewal)
- 25% back as a statement credit on United in-flight and Club Premium drink purchases
