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Card Economics
- Annual Fee
- $0
- Ongoing Annual Value
- $120
- First-Year Value Estimate
- $372
- Net Value
- +$120
Card type: PersonalForeign transaction fee: NoneCurrency: United MileagePlus
Sign-up Bonus
30K miles after $1K spend in first 3 months. Plus, earn an extra 10K miles after you add an authorized user to your account in the first 3 months
Am I eligible?Earning Structure
2XGas Stations2.6%
2XTransit2.6%
2XUnited purchases2.6%
1XAll other purchases1.3%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Protections (4)
- Trip Cancellation/Interruption — up to $1,500 — Up to $1,500 per covered traveler and $6,000 per trip for non-refundable trip costs
- Purchase Protection — up to $500 — 120 days coverage for theft/damage up to $500 per item
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (secondary) — Secondary coverage up to $50,000
Other Perks
- Earn 2 checked bag certificates after $10K spend in a calendar year
- access to improved saver award availability including Polaris business class after $10K spend in a calendar year
- 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)
- 5K bonus miles at anniversary when you have this card and also a United Business card
- 25% back on United in-flight and Club Premium drink purchases
