- Annual Fee
- $350
- Ongoing Annual Value
- $463
- First-Year Value Estimate
- $528
- Net Value
- +$113
Sign-up Bonus
Earning Structure
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 (7)
- United TravelBank Cash: $200 (Annual Cardmember Year)
$200 in United TravelBank cash each membership year - terms apply
- Renowned Hotels & Resorts: $150 (Annual Cardmember Year)
Up to $150 in statement credits per cardmember for Renowned Hotels and Resorts
- Rideshare: $8 (Monthly)
Up to $100 in rideshare credits per year (up to $8 per month January to November and up to $12 in December, re-enrollment is required annually)
- Avis/Budget: $80 (Annual Cardmember Year)
Up to $80 in Travel Credit for Avis or Budget car rentals per cardmember year
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Instacart: $15 (Monthly)
Two credits per month on Instacart orders with active Instacart+ membership: $10 + $5 per month (50% off renewal after 3 months)
- JSX: $150 (Annual Cardmember Year)
Statement credit each anniversary year when you book flights directly with JSX
Elite Status (2)
- United MileagePlus: Earn 1 Premier Qualifying Point (PQP) per $20 spent, up to 18,000 PQP per year
- United MileagePlus: Receive 1,000 Card Bonus PQPs each year (awarded within 6 to 8 weeks after February 1, starting in 2026).
Protections (8)
- Travel Accident Insurance — up to $500,000 — Up to $500,000 for death/dismemberment on common carrier
- Trip Cancellation/Interruption — up to $1,500 — Up to $1,500 per covered traveler ($6,000 per trip) for non-refundable trip costs
- Trip Delay — up to $500 — Up to $500 per trip for delays over 12 hours
- Baggage Delay — Up to $100 per day for up to 3 days when baggage is delayed over 6 hours
- Lost Luggage — up to $3,000 — Up to $3,000 per covered traveler 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 rental car damage/theft (secondary for NY residents with personal auto insurance)
Other Perks
- Earn an additional 10K mile award flight discount after $20K in purchases in a calendar year
- earn 2 global Economy Plus seat upgrades after $40K in purchases in a calendar year
- starting in 2026: 10K award flight discount per cardmember year
- first and second checked bag free for cardholder and one companion 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
- 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)
- Complimentary Instacart+ membership for 3 months (50% off renewal)
- 25% back on United inflight or Club Premium drink purchases
