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Card Economics
- Annual Fee
- $695
- Ongoing Annual Value
- $552
- First-Year Value Estimate
- $255
- Net Value
- −$143
Card type: PersonalForeign transaction fee: NoneCurrency: United MileagePlusAU fee: $0
Sign-up Bonus
80K miles after $5K spend in first 3 months + 10K bonus miles after you add an authorized user in the first 3 months
Am I eligible?Earning Structure
5XRenowned Hotels (prepaid)6.5%
5XUnited Purchases6.5%
2XDining2.6%
2XTravel2.6%
1XAll other purchases1.3%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Worth it for me?Credits & Perks (6)
- Renowned Hotels & Resorts: $200 (Annual Cardmember Year)
Up to $200 in statement credits for purchases with Renowned Hotels and Resorts for United Cardmembers each cardmember year
- Rideshare: $12 (Monthly)
Up to $150 in rideshare statement credits ($12/mo from January to November and $18 in December)
- Avis/Budget: $100 (Annual Cardmember Year)
Up to $50 in United TravelBank cash for an eligible Avis or Budget rental made through cars.united.com up to twice per cardmember year (up to $100 total)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Reimbursement for application fee. Statement credit appears after eligible purchase
- JSX: $200 (Annual Cardmember Year)
Up to $200 back as statement credit each cardmember year for JSX flights
- Instacart: $20 (Monthly)
Two $10 monthly credits on Instacart orders with active Instacart+ membership (up to $240/year through 12/31/27)
Lounge Access (3)
- United Club (Unlimited) — 1 free guest, paid guests allowed
- United Club All Access (Unlimited) — paid guests allowed
- United Club Passes (4 visits/year) — paid guests allowed
Elite Status (4)
- IHG One Rewards: Platinum
- United MileagePlus: Earn 1 Premier Qualifying Point (PQP) per $15 spent, up to 28,000 per year
- United MileagePlus: Receive 1,500 Card Bonus PQPs each year (awarded within 6 to 8 weeks after February 1, starting in 2026).
- Avis Preferred: President's Club
Protections (10)
- Travel Accident Insurance — up to $500,000 — Up to $500,000 for death/dismemberment on common carrier
- Trip Cancellation/Interruption — up to $10,000 — Up to $10,000 per covered traveler, $20,000 per trip for non-refundable travel expenses
- Trip Delay — up to $500 — Up to $500 per trip for delays over 12 hours
- Lost Luggage Reimbursement — up to $3,000 — Up to $3,000 per covered traveler for lost or damaged checked or carry-on baggage
- Baggage Delay Insurance — up to $300 — Up to $100 per day for up to 3 days for essential purchases when baggage is delayed over 6 hours
- Emergency Evacuation and Transportation — up to $1,000,000 — Up to $1,000,000 for medical services and transportation if injury or illness occurs 100+ miles from home
- 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)
- Return Protection — up to $500 — Up to $500 per item when retailer won't accept return
- Auto Rental Collision Damage Waiver (primary) — up to $60,000 — Primary coverage up to $60,000 for rental car damage/theft (secondary for NY residents with personal auto insurance)
Other Perks
- 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
- priority check-in
- priority security screening
- priority baggage handling
- priority boarding
- Complimentary DoorDash DashPass for 12 months (must activate by 12/31/27)
- free 1st and 2nd checked bags 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
- Complimentary Instacart+ membership through 12/31/27
- 25% back as a statement credit on inflight food, beverages, Wi-Fi, and United Club drinks
- Earn a 10,000-mile award flight discount after $20,000 in purchases - up to two times each calendar year
