United Club Card

Earning

Right column: value per $ at travel valuation (1.35¢/pt). Conservative 1¢; TPG ~1.35¢.

Credits

• $200 Renowned Hotels and Resorts credit /anniversary · medium to use
  Up to $200 back per anniversary year on prepaid ('Pay Now') stays booked through Renowned Hotels and Resorts for United Cardmembers; posts in 6-8 weeks.
• $150 Rideshare credit /year · easy to use · enrollment required
  Up to $12 back each month January-November and up to $18 in December on rideshare purchases (up to $150 per calendar year). Yearly enrollment required; posts in 6-8 weeks.
• $100 Avis/Budget rental credit /anniversary · medium to use
  $50 in United TravelBank cash for each of your 1st and 2nd Avis or Budget rentals booked through cars.united.com with the United cardmember discount code (up to $100 per anniversary year).
• $20 Instacart credit /month · medium to use · enrollment required
  Two $10 Instacart credits each month (up to $240 per calendar year) on purchases made directly with Instacart; requires activating the complimentary Instacart+ membership. Benefit ends 12/31/2027.
• $200 JSX credit /anniversary · hard to use
  Up to $200 back as a statement credit each anniversary year on purchases made directly with JSX (semi-private air carrier).
• $120 Global Entry / TSA PreCheck / NEXUS fee credit /every 4 years · easy to use
  Up to $120 statement credit once every 4 years for a Global Entry, TSA PreCheck or NEXUS application fee charged to the card.

Benefits

• United Club membership — Full United Club membership ($750+ value) for the primary cardmember plus one adult guest or one adult guest and dependent children under 18 (reduced from two adults/under-21 dependents in the 2025 refresh; Star Alliance lounge access dropped from standard membership). United Club All Access - two adult guests, Star Alliance lounges, and 4 one-time passes per year for authorized users - is earned by reaching Premier Gold or spending $50,000 in a calendar year, good for the rest of that year and the next.
• First and second checked bags free — Primary cardmember and one companion on the same reservation each check two standard bags free on United/United Express flights (up to $440 per roundtrip) when the ticket is bought with the card.
• Premier Access travel services — Priority check-in, security screening, boarding and baggage handling (where available) for the primary cardmember and companions on the same reservation.
• Earn PQP toward Premier status — 1 Premier Qualifying Point per $15 spent, up to 28,000 PQP per calendar year (cap was 15,000 before the 2025 refresh), plus 1,500 bonus PQP each year awarded within 8 weeks of February 1 starting in 2026; counts up to Premier 1K.
• Award flight discounts — 10,000-mile award flight discount after each $20,000 in calendar-year purchases, up to two per year ($40,000 spend); each expires 12 months after issue. Replaced the previous two 5,000-mile award rebates. Also 10% or more off award pricing (15% for Premier members).
• Global Entry / TSA PreCheck / NEXUS credit — Up to $120 every 4 years.
• 25% back on United inflight and Club premium drink purchases — Statement credit for food, beverages and Wi-Fi on United-operated flights and premium drinks in United Clubs; posts within 24 hours.
• IHG One Rewards Platinum Elite status — Complimentary Platinum Elite status while the card account stays open; primary cardmember must register their IHG number.
• Avis President's Club — Eligible to enroll in Avis President's Club (two-car-class upgrades, guaranteed availability, expedited service).
• $200 Renowned Hotels and Resorts credit — Plus Renowned member perks: $100 property credit, daily breakfast for two, Wi-Fi, room upgrade and early/late check-in/out when available.
• $150 rideshare credit — $12/month Jan-Nov, $18 in December; annual enrollment required.
• $240 Instacart credit — Two $10 credits per month through 12/31/2027.
• Complimentary Instacart+ membership — Complimentary Instacart+ through 12/31/2027 ($0 delivery fees on eligible orders over $35).
• No foreign transaction fees
• Visa Infinite Concierge — 24/7 personalized assistance for travel, dining, and entertainment.
• Primary rental car collision coverage — Primary coverage up to $60,000 for theft and collision on most rentals with MSRP of $125,000 or less when you decline the rental company's CDW and pay with the card (secondary inside the U.S. for NY residents).
• Trip cancellation / interruption insurance — Up to $10,000 per traveler / $20,000 per trip.
• Trip delay reimbursement — Up to $500 per traveler when a common carrier is delayed 12+ hours or overnight.
• Baggage delay insurance — Up to $100/day for 3 days after a 6+ hour delay.
• Lost luggage reimbursement — Up to $3,000 per traveler.
• Purchase protection — 120 days, up to $10,000 per item.
• Return protection — 90 days, up to $500 per item / $1,000 per 12 months when the store won't take a return.
• Extended warranty — Extends U.S. manufacturer warranties of 3 years or less by 1 additional year.

Protections

Notes

Premium United card, Visa Infinite; formerly marketed as the United Club Infinite Card and now branded simply 'United Club Card' on Chase's site. United/Chase refreshed the lineup on 2025-03-24: annual fee $525 -> $695 (existing cardholders from 2025-08-01); standard United Club guest policy cut to one adult guest (or one adult plus dependents under 18) with Star Alliance lounge access moved to the new All Access tier (Premier Gold or $50,000 calendar-year spend); the two 5,000-mile award rebates were replaced by up to two 10,000-mile award discounts (one per $20,000 spend); PQP cap raised to 28,000 with a 1,500 PQP annual bonus from 2026; new partner credits added (Renowned Hotels $200, rideshare $150, Avis/Budget $100, Instacart $240 through 12/31/2027, JSX $200). Chase's page in 2026 marks 5x on United purchases (up from 4x) as NEW. The 5x Renowned Hotels rate is filed under travel_portal with no merchant key because the taxonomy lacks a Renowned Hotels merchant; it does not apply to other Chase Travel bookings. Chase 5/24 rule applies.

Verified 2026-09-07 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8