A public reference for this card's annual fee, benefit schedules, earning rules, and protections. Use it to understand what belongs to the card before you decide what to track.
Review this card's recorded earning rules before you move into its benefit windows and protections.
Expand a row for its recorded terms. Amounts describe the catalog rule, not automatic redemption or transaction matching.
2 recorded
Up to $100 back as statement credits each calendar year on rideshare purchases ($8/month Jan-Nov, up to $12 in December). Yearly opt-in required.
$10 Instacart credit monthly, up to $120 total each calendar year, for purchases made through Instacart. Benefits end 12/31/27.
7 recorded
Earn $125 in United TravelBank cash after making 5 United flight purchases of $100 or more each calendar year
$50 back as statement credit on both 1st and 2nd prepaid hotel stays purchased through United Hotels, up to $100 each anniversary year
Up to $100 back as statement credit each anniversary year when booking flights directly with JSX
$25 in United TravelBank cash for 1st and 2nd Avis or Budget rental, up to $50 each anniversary year, booked through cars.united.com
Up to $25 statement credit each anniversary year when purchasing FareLock on United- or United Express-operated flights
2 United Club one-time passes annually after account opening and each anniversary (over $100 value)
Earn 2 continental U.S. Economy Plus seat upgrades annually after spending $25,000 on purchases in a calendar year. Valid for extra legroom on eligible continental U.S. flights (excluding Alaska and Hawaii). Must be used within 12 months of issue.
1 recorded
5,000 bonus miles each account anniversary year when you also have a personal Chase United credit card
Primary Cardmember and one companion traveling on same reservation each receive first checked bag free on United-operated flights (up to $40 value per bag, each way, per person). Include MileagePlus number in reservation and purchase ticket with card.
Primary Cardmember and companions on same reservation board United-operated flights prior to general boarding
25% back as statement credit on food, beverages, Wi-Fi on United-operated flights and premium drink purchases at United Clubs
Primary cardholder may see expanded award availability when using miles to book United-operated flights. Cardmembers save on average 30% in miles when booking under Cardmembers Save banner.
Primary Cardmember who is MileagePlus Premier member receives complimentary upgrades on select United-operated award flights when available. One companion on same reservation eligible.
Earn 1 PQP for every $20 spent on purchases, up to 4,000 PQP per calendar year toward Premier status qualification
3-month complimentary Instacart+ membership with $0 delivery fees, then 25% discount on annual plan
No fees on purchases made outside the United States
Up to $1,500 per trip per person for non-refundable expenses when trip is cancelled or cut short due to covered situations
Up to $500 per ticket for reasonable expenses when common carrier delayed more than 12 hours or requires overnight stay
Up to $100 per day for up to 3 days for essential purchases if checked baggage delayed more than 6 hours
Up to $3,000 per passenger for baggage and personal property
Coverage up to $60,000 for theft and collision damage when you decline rental agency collision coverage and charge entire rental to card
Coverage for eligible new purchases for 120 days from purchase date against damage or theft, up to $10,000 per item
Extends manufacturer's U.S. warranty by additional year on eligible warranties of 3 years or less
Complimentary 24/7 concierge service for travel planning, dining reservations, and event tickets
Add employee cards at no additional cost with individual spending limits. Miles from employee purchases accrue to primary cardholder's MileagePlus account.
Complimentary international data roaming through GigSky eSIM. Provides data connectivity in 190+ countries. Must activate through GigSky app or website using eligible Visa Signature card. Data packages and limits vary by promotion period.
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