| Category | Rate | Type | Cap |
|---|---|---|---|
|
United Airlines Flights
11 total miles per $1 on eligible United flights: 6x miles on the primary cardmember's fare as a MileagePlus member plus 5x miles on the entire United purchase with the Club Card; mileage earning differs for Basic Economy tickets; Premier members earn even more.
|
11x | Miles | No cap |
|
All Other Eligible United Purchases
5 miles per $1 on all other eligible United purchases beyond airfare, such as United vacation packages, seat upgrades, and United gift cards purchased directly from United.
|
5x | Miles | No cap |
|
Renowned Hotels and Resorts
5 miles per $1 on hotel stays prepaid directly through Renowned Hotels and Resorts for United Cardmembers; does not apply to hotels booked through other channels.
|
5x | Miles | No cap |
|
All Other Travel
2 miles per $1 on all other travel purchases including airfare on other airlines, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services, and tolls.
|
2x | Miles | No cap |
|
Dining
2 miles per $1 spent at restaurants including eligible delivery services.
|
2x | Miles | No cap |
|
All Other Purchases
1 mile per $1 spent on all purchases not qualifying for a higher bonus rate; no cap on earning and MileagePlus miles never expire.
|
1x | Miles | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Up to $100 Annual Avis or Budget Car Rental TravelBank Credit
Receive $50 in United TravelBank cash (up to $100 each anniversary year) for the 1st and 2nd Avis or Budget car rentals booked directly through cars.united.com and paid with the Club Card.
|
Credits |
Up to $100 TravelBank cash/anniversary year
Up to $100
|
|
Up to $120 Global Entry, TSA PreCheck, or NEXUS Fee Credit
Receive a statement credit of up to $120 every four years as reimbursement for the application fee for Global Entry, TSA PreCheck, or NEXUS when charged to the card.
|
Credits |
Up to $120 every 4 years
Up to $120
|
|
Up to $150 Annual Rideshare Credit
Enroll to receive up to $150 in statement credits each calendar year on rideshare purchases: up to $12 per month January through November, and up to $18 in December; yearly opt-in is required.
|
Credits |
Up to $150/year ($12/month, $18 in December)
Up to $150
|
|
Up to $200 Annual JSX Flight Credits
Receive up to $200 back as a statement credit each anniversary year when booking flights directly with JSX (a semi-private hop-on jet service) using the Club Card.
|
Credits |
Up to $200/anniversary year
Up to $200
|
|
Up to $200 Annual Renowned Hotels and Resorts Credit
Receive up to $200 back in statement credits each anniversary year on hotel accommodations when prepaid directly through Renowned Hotels and Resorts for United Cardmembers with the Club Card.
|
Credits |
Up to $200/anniversary year
Up to $200
|
|
Up to $240 Annual Instacart Credits
Receive two $10 Instacart credits monthly (up to $240 total per calendar year) for purchases made directly through Instacart with the Club Card; benefit runs through December 31, 2027.
|
Credits |
Up to $240/year (two $10 credits/month)
Up to $240
|
|
Chase Pay Over Time
Eligible cardmembers can split purchases of $100 or more into equal monthly installments with a fixed monthly fee and no interest, with plan durations ranging from 3 to 24 months.
|
Financial | Fixed monthly fee, no interest |
|
No Foreign Transaction Fees
Purchases made outside the U.S. with the Club Card are not subject to foreign transaction fees, saving the typical 3% surcharge on international spending.
|
Financial | $0 foreign transaction fees |
|
Baggage Delay Insurance
Reimburses up to $100 per day for up to 3 days for essential purchases such as toiletries and clothing when baggage is delayed more than 6 hours.
|
Insurance |
Up to $100/day for 3 days
Up to $300
|
|
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year on eligible warranties of three years or less, up to four years from the date of purchase.
|
Insurance | 1 additional year of warranty |
|
Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip.
|
Insurance |
Up to $3,000 per covered traveler
Up to $3,000
|
|
Primary Auto Rental Collision Damage Waiver
Decline the rental company's collision insurance and charge the entire rental to the card; coverage is primary and provides reimbursement for theft and collision damage for most rental vehicles.
|
Insurance | Primary coverage |
|
Purchase Protection
Covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item.
|
Insurance |
Up to $10,000 per item for 120 days
Up to $10,000
|
|
Travel Accident Insurance
When air, bus, train, or cruise transportation is paid with the card, cardmembers are eligible for accidental death or dismemberment coverage.
|
Insurance | Complimentary |
|
Trip Cancellation and Interruption Insurance
Reimbursement up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable passenger fares if a trip is canceled or cut short due to sickness, severe weather, or other covered situations — higher limits than other United personal cards.
|
Insurance |
Up to $10,000/traveler, $20,000/trip
Up to $20,000
|
|
Trip Delay Reimbursement
If common carrier travel is delayed more than 12 hours or requires an overnight stay, cardmembers are covered for unreimbursed expenses such as meals and lodging, up to $500 per covered traveler.
|
Insurance |
Up to $500 per covered traveler
Up to $500
|
|
Complimentary Instacart+ Membership
Receive a complimentary Instacart+ membership including unlimited deliveries with $0 delivery fees on eligible orders; benefit runs through December 31, 2027.
|
Lifestyle | Complimentary |
|
United Card Events from Chase
Access to purchase private, curated once-in-a-lifetime experiences including culinary events, sporting events, and entertainment through United Card Events from Chase.
|
Lifestyle | Complimentary access (purchase costs apply) |
|
Visa Signature Concierge Service
Receive complimentary 24/7 Visa Signature Concierge Service for help with restaurant reservations, event tickets, travel arrangements, and other personalized requests; cardmember is responsible for costs of goods or services obtained.
|
Lifestyle | Complimentary (service costs apply) |
|
24/7 Dedicated Cardmember Service
Access to a dedicated customer service specialist 24 hours a day, 7 days a week for account inquiries, dispute resolution, and benefit questions.
|
Other | Complimentary |
|
Contactless Tap to Pay
The card supports contactless payment technology for faster and more secure checkout at any merchant displaying the Contactless symbol.
|
Other | Complimentary |
|
1,500 Annual Card Bonus PQP
Receive 1,500 Card Bonus Premier Qualifying Points (PQP) each year within 8 weeks of February 1, starting in the calendar year following account open date; card must be open as of December 31 of the prior year.
|
Rewards | 1,500 PQP/year |
|
10,000-Mile Award Flight Discount (After $20,000 Spend, Up to Twice Per Year)
Earn a 10,000-mile discount toward an eligible award flight after spending $20,000 on purchases each calendar year, up to two times per calendar year for a maximum of 20,000 miles in annual award discounts.
|
Rewards | Up to 20,000 miles/year in discounts |
|
11x Miles on Eligible United Flights
Earn 11 total miles per $1 on eligible United flights: 6x miles on the primary cardmember's fare as a MileagePlus member plus 5x miles on the entire United purchase with the Club Card. Mileage earning differs for Basic Economy tickets; Premier members earn even more.
|
Rewards | 11x miles (6x MileagePlus + 5x card) |
|
1x Miles on All Other Purchases
Earn 1 mile per $1 spent on all purchases not qualifying for a higher bonus rate; no cap on earning and MileagePlus miles never expire.
|
Rewards | 1x miles |
|
2x Miles on All Other Travel
Earn 2 miles per $1 on all other travel purchases including airfare on other airlines, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services, and tolls.
|
Rewards | 2x miles |
|
2x Miles on Dining
Earn 2 miles per $1 spent at restaurants including eligible delivery services.
|
Rewards | 2x miles |
|
5x Miles on All Other Eligible United Purchases
Earn 5 miles per $1 on all other eligible United purchases beyond airfare, such as United vacation packages, seat upgrades, and United gift cards purchased directly from United.
|
Rewards | 5x miles |
|
5x Miles on Renowned Hotels and Resorts
Earn 5 miles per $1 on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers.
|
Rewards | 5x miles |
|
PQP Earning Through Card Spend
Earn 1 Premier Qualifying Point (PQP) for every $15 spent on purchases with the Club Card, up to 28,000 PQP per calendar year, applicable toward United Premier status qualification up to the Premier 1K level.
|
Rewards | Up to 28,000 PQP/year |
|
24/7 Fraud Monitoring and Alerts
Chase monitors the account for suspicious activity around the clock and can notify the cardmember via text, email, or call if unusual purchases are detected.
|
Security | Complimentary |
|
Charge Dispute Protection
If charged in error, Chase will freeze the disputed charge while investigating on the cardmember's behalf.
|
Security | Complimentary |
|
Zero Liability Protection
Cardmembers are not held responsible for unauthorized charges made with their card or account information.
|
Security | Complimentary |
|
Return Protection
Receive reimbursement for eligible items that the store won't accept within 90 days of purchase, up to $500 per item and $1,000 per 12-month period.
|
Shopping |
Up to $500/item, $1,000/year
Up to $1,000
|
|
10% Savings on United Economy Saver Awards (Continental U.S. and Canada)
Save 10% on United Economy Saver Awards when traveling within the continental U.S. or between the continental U.S. and Canada on United and United Express flights.
|
Travel | 10% off Saver Awards |
|
25% Back on United Inflight Purchases and Club Premium Drinks
Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated flights and on premium drink purchases at United Clubs when paid with the Club Card.
|
Travel | 25% back as statement credit |
|
4 United Club One-Time Passes Per Year (With All Access Membership + Authorized User)
Cardmembers with United Club All Access Membership and an authorized user on their account earn 4 United Club one-time passes annually on their account anniversary, each granting one person one-time access to a United Club location; valued at over $200 per year.
|
Travel | 4 passes/anniversary year (over $200 value) |
|
Avis President's Club Membership
Primary cardmembers are invited to enroll in Avis President's Club, which includes guaranteed rental car availability with 24-hour advance reservation, complimentary two-car class upgrades, expedited service at Avis Preferred locations, and 24/7 dedicated customer support.
|
Travel | Complimentary |
|
Cardmember Award Pricing — At Least 10% Off Miles Redemptions
Cardmembers save at least 10% on United-operated award flights booked with miles when signed into their MileagePlus account; Premier members save at least 15% with expanded access to Saver Award availability. On average cardmembers save 30% on award flights under the Cardmembers Save banner.
|
Travel | At least 10%–30% off award flights |
|
Complimentary Premier Upgrades on Award Tickets
The primary cardmember who holds MileagePlus Premier status and is traveling on an award ticket, and one companion on the same reservation, are eligible for complimentary Premier Upgrades on select United-operated flights, subject to availability.
|
Travel | Complimentary (requires Premier status) |
|
Free First and Second Checked Bags
The primary cardmember and one companion on the same reservation each receive their first and second standard checked bags free on United-operated flights (up to $40 for first bag, up to $50 for second bag, each way per person), saving up to $360 per round trip.
|
Travel |
Up to $360 savings per round trip
Up to $360
|
|
IHG One Rewards Platinum Elite Status
Primary cardmembers are eligible for IHG One Rewards Platinum Elite Status, including complimentary room upgrades, extended checkout, points toward free nights, and elite points that never expire.
|
Travel | Complimentary Platinum Elite Status |
|
Premier Access Travel Services
Receive priority check-in, security screening, boarding, and baggage handling privileges where available on United-operated flights for the primary cardmember and companions on the same reservation.
|
Travel | Complimentary |
|
Renowned Hotels and Resorts Luxury Amenities
Access an exclusive suite of benefits at Renowned Hotels and Resorts properties including daily breakfast for two, a $100 property credit for dining/spa/activities, complimentary Wi-Fi, a room upgrade, and early check-in/late checkout when available.
|
Travel | Complimentary luxury amenities |
|
United Club All Access Membership (After $50,000 Spend or Premier Gold)
Unlock All Access Membership after spending $50,000 in a calendar year or earning Premier Gold status or higher, granting access for two adult guests (or one adult and dependent children under 18), access to participating Star Alliance-member affiliated lounges, and four annual one-time Club passes for authorized users.
|
Travel | Complimentary (requires $50,000 spend or Premier Gold) |
|
United Club Membership
Primary cardmembers receive a full United Club membership granting unlimited access to 45+ United Club locations worldwide for the cardmember, one adult guest, and dependent children under 18. Membership is valued at $750 or more per year.
|
Travel | Complimentary (at least $750 value/year) |
