# United Club℠ Card

> Earn up to 5x on travel and 5x on hotels. $1,004+ in statement credits per year. $695 annual fee.

Canonical page: https://cardstack.money/cards/united-club-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Chase
- Network: Visa
- Annual fee: $695
- Rewards program: MileagePlus (https://cardstack.money/programs/mileageplus.md)
- Total statement credits value: $1,004 per year
- Net value after annual fee: +$309 per year (credits value minus fee)
- Welcome offer: Up to 90,000 bonus miles: 80,000 miles after you spend $5,000 in the first 3 months, plus 10,000 bonus miles for adding an authorized user.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 5x | United flights |  |
| 5x | Hotels | Travel Portal Only |
| 2x | Travel |  |
| 2x | Dining |  |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Global Entry/TSA PreCheck/NEXUS Credit - $120/yr ($120 every 4 years)

Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee.

- Resets: Every 4 years
- Where to redeem: Application fee charged to card – ttp.cbp.dhs.gov or TSA PreCheck
- Details: https://cardstack.money/benefits/united-club-card-global-entrytsa-prechecknexus-credit.md

### Rideshare Credit - $144/yr ($12 monthly)

Up to $150 per year ($12 Jan–Nov, $18 in December) in rideshare credits. Yearly opt-in required.

- Resets: $12 Jan–Nov, $18 Dec
- Enrollment required: yes
- Where to redeem: Rideshare – yearly opt-in
- Details: https://cardstack.money/benefits/united-club-card-rideshare-credit.md

### Renowned Hotels Credit - $200/yr ($200 annual)

Up to $200 in annual statement credits for bookings at Renowned Hotels & Resorts properties.

- Resets: Card anniversary year
- Where to redeem: Renowned Hotels & Resorts
- Details: https://cardstack.money/benefits/united-club-card-renowned-hotels-credit.md

### Avis/Budget Credit - $100/yr ($50 semi-annual)

Up to $100 per year in United Travel Bank credits for Avis and Budget (two $50 credits).

- Resets: Card anniversary year
- Where to redeem: Avis and Budget – United Travel Bank
- Details: https://cardstack.money/benefits/united-club-card-avisbudget-credit.md

### JSX Flight Credit - $200/yr ($200 annual)

Up to $200 in statement credits annually for eligible JSX flight purchases.

- Resets: Card anniversary year
- Where to redeem: JSX flights
- Details: https://cardstack.money/benefits/united-club-card-jsx-flight-credit.md

### Instacart Credit - $240/yr ($20 monthly)

Up to $240 per year in Instacart credits (two $10 credits each month).

- Resets: Two $10 credits per month
- Enrollment required: yes
- Where to redeem: Instacart
- Details: https://cardstack.money/benefits/united-club-card-instacart-credit.md

## Featured benefits

- **United Club Membership** (Airport lounge membership): Complimentary United Club card membership for the primary cardmember with access to 45+ United Club locations; includes one adult guest and dependent children under 18 on eligible visits. All Access (Star Alliance lounges, two adult guests) unlocks at Premier Gold or $50,000 calendar-year spend.
- **IHG One Rewards Platinum Elite Status** (IHG Platinum Elite status): Complimentary IHG One Rewards Platinum Elite status. Activate by linking your IHG account in Chase online banking.
- **Avis President's Club** (Avis President's Club status): Enroll at united.com/AvisChaseBenefit for Avis President's Club: complimentary two-car-class upgrades on intermediate or larger rentals, guaranteed availability with 24-hour notice (up to full-size), and expedited service at Avis Preferred locations.

## Other benefits

- **United Club All Access membership**: Unlocked after reaching Premier Gold status or spending $50,000 in a calendar year. Includes club access for up to 2 adult guests (or 1 adult + dependent children under 18) and access to participating Star Alliance partner lounges.
- **4 United Club one-time passes annually**: With All Access membership and an authorized user on the account; awarded each anniversary year (over $200 value).
- **Free first and second checked bags**: Primary cardmember and one companion can each check two standard bags free; saves up to $360 per roundtrip.
- **Premier Access Travel Services**: Priority check-in, security screening, boarding, and baggage handling on United-operated flights where available.
- **1,500 PQP credit each year + 1 PQP per $15 spent (up to 28,000 PQP/year)**: Spend toward Premier qualifying status.
- **Save 10% or more on award flights**: Cardmembers save 10% on all United-operated flights booked with miles; Premier status saves 15% or more. Change or cancel bookings with no fees.
- **United MileagePlus Exclusives events**: Use miles for multicourse dinners, sporting events, concerts, and behind-the-scenes experiences at United operations facilities.
- **10,000-mile award discount after $20,000 spend**: Up to 2× per calendar year (20,000 miles total annually).
- **Visa Infinite Concierge**: 24/7 personal concierge for travel and lifestyle requests.
- **Complimentary Premier Upgrades**: On select United and United Express flights with Premier status; primary cardmember and one companion on award tickets.
- **Inflight food, beverage, and Wi-Fi rebate (25%)**: 25% back on eligible purchases on board United-operated flights and on Club premium drinks.
- **Car Rental Loss and Damage Insurance (primary)**: When you decline the rental company’s collision damage waiver and pay with the card, coverage may be primary for theft or damage (coverage order varies by product and rental type); terms and exclusions apply.
- **Trip Cancellation/Interruption Insurance**: Up to $10,000 per covered traveler and $20,000 per trip.
- **Trip Delay Reimbursement**: Up to $500 per covered traveler.
- **Baggage Delay Insurance**: Up to $100/day for up to 3 days.
- **Lost Luggage Reimbursement**: Up to $3,000 per covered traveler.
- **Purchase Protection**: Up to 120 days from purchase against damage or theft, $10,000 per item.
- **Return Protection**: Up to $500 per item, $1,000 per 12-month period.
- **Extended Warranty**: Adds an additional year to U.S. manufacturer warranties of three years or less.
- **No Foreign Transaction Fees**: No foreign transaction fee on purchases processed outside the U.S.; issuer and network rules still apply.


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CardStack automatically tracks the United Club Card's $1,004 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863