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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 $150 in statement credits annually on rideshare purchases. $12/month Jan-Nov, up to $18 in December. Enrollment required each calendar year.
Two $10 Instacart credits monthly, up to $240 total each calendar year. Benefits end 12/31/27.
4 recorded
$200 in statement credits each anniversary year on prepaid hotel stays through Renowned Hotels and Resorts. Also includes elite perks: daily breakfast for 2, $100 property credit, room upgrades when available.
$200 in statement credits each anniversary year on flights booked directly with JSX.
$100 in United TravelBank cash each anniversary year for car rentals through Avis or Budget booked via cars.united.com ($50 per rental, up to 2 rentals). TravelBank cash expires 12 months after issue.
Earn 10,000-mile discount on eligible award travel after $20,000 spend per calendar year (up to 2 discounts/$40,000 max). Expires 12 months after issue.
1 recorded
1,500 Premier Qualifying Points awarded annually within 6-8 weeks after February 1 (starting 2026). Account must be open as of December 31 of prior year.
Unlimited access to 45+ United Club locations worldwide for primary cardholder, 1 adult guest, and dependent children under 21.
Unlock All Access membership with Premier Gold status or $50,000 annual spending. Brings 2 adult guests (instead of 1) plus 4 annual one-time passes with authorized user.
Primary cardmember and 1 companion each receive 1st and 2nd checked bags free on United-operated flights (up to $360 value per roundtrip).
Primary cardmember and companions on same reservation receive Premier Access: priority check-in, security lanes, boarding, and baggage handling.
25% back as statement credit on food, beverages, and Wi-Fi purchases on United-operated flights, and premium drinks at United Clubs.
Book United Economy saver awards (X and XN fare classes) within continental US and to/from Canada for 10% fewer miles.
Earn 1 PQP for every $15 spent, up to 28,000 PQP per calendar year toward Premier status.
Complimentary Instacart+ membership with unlimited deliveries and $0 delivery fees. Benefits end 12/31/27.
Complimentary Avis President's Club membership with free 2-class upgrades (subject to availability), guaranteed car availability, and expedited service.
VIP welcome at 500+ luxury hotels worldwide, complimentary breakfast at 120+ participating properties, room upgrades when available. Must book 72 hours in advance through Visa Concierge.
Statement credit up to $120 every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee.
No fees on purchases made abroad.
Up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses when trip is canceled or interrupted due to covered situations.
Up to $500 per covered traveler for unreimbursed expenses (meals, lodging) when common carrier travel is delayed more than 12 hours or requires overnight stay.
Up to $100 per day for 3 days ($300 total) for essential purchases when baggage is delayed over 6 hours.
Up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged, or stolen.
Up to $1,000,000 for medical services and transportation during emergency evacuation 100+ miles from home.
Primary protection against damages or theft of rental car when declining rental company's collision insurance and paying with card.
Up to $10,000 per item for 120 days from purchase against damage or theft.
Extends manufacturer's U.S. warranty by 1 additional year on eligible warranties of 3 years or less (up to $10,000 per claim, $50,000 per account).
Up to $500 per item, $1,000 per year for items store won't accept within 90 days of purchase.
Coverage for damage, theft, or loss of eligible cell phones when monthly bill is charged to card.
24/7 personalized assistance with travel planning, restaurant reservations, event tickets, and more.
Free to add authorized users (no annual fee).
Complimentary international data roaming through GigSky eSIM. Provides data connectivity in 190+ countries. Must activate through GigSky app or website using eligible Visa Infinite card. Enhanced data allocation compared to Visa Signature.
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