United Club Benefits, Credits & Annual Fee

• Avis and Budget Car Rental TravelBank Credit (2 of 2)$50 / yrTrackable

  One of 2 $50 credits each anniversary year, one per Avis or Budget rental. Get $50 in United TravelBank cash for each of your first two qualifying Avis or Budget rentals per card anniversary year, up to $100. Book directly through cars.united.com and pay with your United Club Card.

  Resets: Card anniversaryChecked Oct 1, 2026
• Global Entry / TSA PreCheck / NEXUS Application Fee Credit$120 / 4yrTrackable

  Get up to $120 back as a statement credit for the application fee for Global Entry, TSA PreCheck or NEXUS. Charge the fee to your card. You can use this credit once every 4 years.

  Resets: Every 4 yearsChecked Oct 9, 2026
• Avis and Budget Car Rental TravelBank Credit (1 of 2)$50 / yrTrackable

  One of 2 $50 credits each anniversary year, one per Avis or Budget rental. Get $50 in United TravelBank cash for each of your first two qualifying Avis or Budget rentals per card anniversary year, up to $100. Book directly through cars.united.com and pay with your United Club Card.

  Resets: Card anniversaryChecked Oct 1, 2026
• Renowned Hotels and Resorts Hotel Credit$200 / yrTrackable

  Get up to $200 back in statement credits each anniversary year on prepaid hotel stays. Book directly through Renowned Hotels and Resorts for United Cardmembers using your United Club Card to earn the credit. Only prepaid bookings made through that portal qualify.

  Resets: Card anniversaryChecked May 20, 2026
• Rideshare Credit$12 / moTrackableEnrollment required

  Up to $12 back as a statement credit each month from January through November, and up to $18 back for December on rideshare purchases. Yearly opt-in required. Calendar year packaging as monthly credits (not a single $150 annual lump).

  Resets: MonthlyChecked Sep 14, 2026
• Instacart Statement Credit$240 / yrTrackable

  Get two $10 Instacart credits every month, worth up to $240 per calendar year, on purchases made directly through Instacart. Pay with your United Club Card at checkout to receive the credits. This benefit is available through December 31, 2027.

  Resets: Calendar yearChecked Sep 28, 2026
• JSX Statement Credit$200 / yrTrackable

  Get up to $200 back as a statement credit each anniversary year on JSX flights. Book directly with JSX using your United Club Card to trigger the credit. Only direct JSX bookings - not third-party sites - are eligible.

  Resets: Card anniversaryChecked May 20, 2026
• 25% Back on United Inflight and Club Premium Drink Purchases

  Get 25% back as a statement credit on inflight food, beverages, and Wi-Fi on United-operated flights, plus United Club premium drinks. Pay with your United Club Card onboard or at the Club to earn the credit.

  Checked May 20, 2026

Travel Benefits

• 10% Mileage Discount on United Economy Saver Awards

  Book United Economy Saver Award flights on United or United Express with 10% fewer miles as the primary cardmember. This discount applies to routes within the continental U.S. and Canada.

  Checked May 20, 2026
• Miles Redemption for United Tickets and Card Membership Fee

  Use miles earned with your card toward United tickets or your annual card membership fee. Redeem eligible miles for a statement credit against those charges. This redemption option applies to qualifying United ticket purchases and the card’s membership fee.

  Checked Sep 28, 2026
• Premier Access Travel Services

  Get priority check-in, security screening, boarding and baggage handling at the airport. Companions on the same reservation also get these perks. Availability varies by airport.

  Checked Oct 9, 2026
• Premier Upgrades on Award Tickets

  Get access to Complimentary Premier Upgrades on select United and United Express flights when traveling on an award ticket with MileagePlus Premier status. One companion on the same reservation is also eligible. Upgrades are subject to availability.

  Checked May 20, 2026
• Renowned Hotels and Resorts Property Benefits$100 / yr

  Book through Renowned Hotels and Resorts for United Cardmembers to get a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and a room upgrade plus early check-in and late check-out when available. These perks are only available on bookings made through the Renowned Hotels portal.

  Checked Sep 28, 2026
• Discounted United Award Flight Pricing

  Save 10% or more in miles on eligible United award flights. Sign in to MileagePlus and book a United or United Express flight using miles to see cardmember pricing. Premier members may see a larger discount.

  Checked Oct 9, 2026
• Expanded Award Availability

  As a United Club Cardmember, you can access a broader pool of award seats on United flights than non-cardholders see. This can make it easier to find and book award flights, particularly on high-demand routes, when you're logged into your linked MileagePlus account.

  Checked May 20, 2026
• Free First and Second Checked Bags

  Both you and one travel companion on the same reservation each get their first and second standard checked bags free on United-operated flights. Purchase your tickets with your United Club Card and include your MileagePlus number to qualify. This can save up to $360 per roundtrip.

  Checked May 20, 2026
• Award Flight Discount Miles10,000 mi / yrTrackableMin spend $20,000

  For every $20,000 spent on purchases in a calendar year, earn a 10,000-mile discount on an eligible United or United Express award flight, up to twice per calendar year (maximum 20,000 discount miles). Aggregate spend increments; not a single-charge minimum.

  Resets: Calendar yearChecked Oct 9, 2026

Lounge Access

• Star Alliance Lounge Access

  Get access to Star Alliance lounges with United Club All Access membership. Use your All Access membership when visiting a participating lounge. Standard United Club Card membership alone does not provide this access.

  Checked Sep 28, 2026
• United Club All Access with Premier statusMin spend $50,0000

  Upgrade to All Access membership to bring more guests and visit participating Star Alliance lounges. You unlock it by reaching Premier Gold status or spending $50,000 in a calendar year on the card. You can bring 2 adult guests, or 1 adult plus dependent children.

  Checked Oct 9, 2026
• Existing United Club Membership Prorated Refund

  Get reimbursed for the unused portion of an existing United Club membership when approved for the United Club Card. If you already have a membership, the refund covers its remaining unused period. It does not reimburse time you have already used.

  Checked Sep 28, 2026
• United Club One-Time Passes with All Access MembershipTrackable

  Get 4 United Club one-time passes each year on your account anniversary when you hold All Access Membership and have an authorized user on your account. Each pass grants a single visit to a United Club lounge for one guest.

  Resets: Card anniversaryChecked Sep 28, 2026

Hotel Status

• IHG One Rewards Platinum Elite Status

  Get complimentary IHG One Rewards Platinum Elite status as the primary cardmember. Perks include room upgrades, extended check-out when available, and elite points that never expire. Enroll through IHG to activate your status.

  Checked May 20, 2026

Airline Status

• Premier Qualifying Points (PQP) Annual Earning Cap

  Earn 1 Premier Qualifying Point (PQP) for every $15 you spend on your card, up to a maximum of 28,000 PQPs per calendar year. These points count toward MileagePlus Premier elite status and the cap resets on January 1 each year.

  Checked May 20, 2026

Rental Car

• Auto Rental Coverage

  Get primary auto rental collision coverage up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less. Decline the rental company's collision insurance and pay the full rental cost with your United Club Card. Coverage is primary, meaning it pays before your personal auto insurance.

  Checked Oct 9, 2026
• Avis President's Club StatusEnrollment required

  Enroll in Avis President's Club as the primary cardmember to get complimentary two-car class upgrades, guaranteed car availability, and expedited rental service. Register through the Avis enrollment link to activate the status.

  Checked May 20, 2026

Travel Insurance

• Lost Luggage Reimbursement

  Covers up to $3,000 per covered traveler to repair or replace checked or carry-on baggage that is lost, damaged, or stolen during a covered trip. Charge your travel to your United Club Card to be eligible for this coverage.

  Checked Oct 9, 2026
• Trip Cancellation and Interruption Insurance

  Covers up to $10,000 per covered traveler and $20,000 per trip for prepaid, non-refundable travel expenses if your trip is canceled or cut short. Covered reasons include sickness, severe weather, and other qualifying situations. Charge your travel to the card to be eligible.

  Checked Oct 9, 2026
• Trip Delay Reimbursement

  Covers up to $500 per covered traveler for unreimbursed expenses like meals and lodging when your common carrier travel is delayed more than 12 hours or requires an overnight stay. Charge your travel to the card to activate coverage.

  Checked Oct 9, 2026
• Baggage Delay Insurance

  Covers up to $100 per day for up to 3 days (max $300) for essential purchases like toiletries and clothing when your checked baggage is delayed. Coverage kicks in when the delay exceeds 6 hours. Charge your travel to the card to be eligible.

  Checked Oct 9, 2026

Bonus Earnings

• 11x Earning Rate on United Flights11x miles

  Earn 11 total miles per dollar on eligible United flight purchases - 6 miles as a MileagePlus member plus 5 bonus miles for being a United Club Cardmember. Miles are posted after your flight is completed. Note that Basic Economy tickets earn at a different rate.

  Checked Sep 30, 2026
• 5x Earning Rate on All Other United Purchases5x miles

  Earn 5 miles per dollar on eligible United purchases that aren't flights - things like seat upgrades or United Wi-Fi. Just charge the purchase directly to your card to earn at this rate.

  Checked Oct 7, 2026
• 1,500 Card Bonus Premier Qualifying Points (PQP) Annually1,500 pts / yr

  Get 1,500 Card Bonus Premier Qualifying Points (PQP) each calendar year to help you earn or maintain United Premier status, applicable up to the Premier 1K level. Bonus PQP are awarded within 8 weeks of February 1 each year, starting the year after your account opens.

  Checked May 20, 2026
• 5x Earning Rate on Renowned Hotels and Resorts Bookings5x miles

  Earn 5 miles per dollar on hotel stays booked through the Renowned Hotels and Resorts for United collection. You must prepay with your United Club Card to qualify, and miles post after your stay is complete.

  Checked Sep 30, 2026
• Premier Qualifying Points (PQP) from Card Spend

  Earn 1 PQP for every $15 spent on purchases with your United Club Card, up to 28,000 PQP per calendar year. These points count toward United Premier status qualification up to and including the Premier 1K level.

  Checked May 20, 2026
• 2x Miles on Dining2x miles

  Earn 2 miles per $1 spent at restaurants and on eligible food delivery services. Pay with your United Club Card at qualifying dining merchants to earn the bonus rate.

  Checked Sep 30, 2026
• 1x Miles on All Other Eligible United Purchases1x miles

  Earn 1 mile per $1 spent on all purchases that don't fall into a bonus category. Miles post to your MileagePlus account after each billing cycle.

  Checked Sep 30, 2026

Purchase Protection

• Purchase Protection

  Covers eligible new purchases against damage or theft for 120 days from the date of purchase, up to $10,000 per item. Pay for the item with your United Club Card to be eligible.

  Checked Oct 9, 2026
• Return Protection

  Get reimbursed for eligible items a store won't accept as a return within 90 days of purchase - up to $500 per item and $1,000 per 12-month period. Pay for the item with your United Club Card to be eligible.

  Checked Oct 9, 2026
• Extended Warranty Protection

  Extends the manufacturer's U.S. warranty by one additional year on eligible warranties of three years or less, up to four years from the purchase date. Pay for the item with your United Club Card to qualify. Only warranties originally three years or shorter are eligible.

  Checked Sep 28, 2026

Concierge & Membership

• Visa Infinite Concierge Services

  Reach a 24/7 Visa Infinite Concierge for help with travel planning, restaurant reservations, sports and entertainment tickets, and more. The service is available every day of the year, whether you're at home or traveling abroad.

  Checked May 20, 2026
• Complimentary Instacart+ MembershipEnrollment required

  Get a complimentary Instacart+ membership, which includes unlimited deliveries with $0 delivery fees on eligible orders. Activate through Instacart using your United Club Card. This benefit is available through December 31, 2027, and service fees may still apply.

  Checked May 20, 2026

Entertainment

• MileagePlus Exclusive Events

  Use MileagePlus miles for select events and experiences, such as dinners, sports, concerts and behind-the-scenes United visits. Browse MileagePlus Exclusives and redeem miles for an available opportunity. Event selection and the miles required vary.

  Checked Sep 28, 2026
• United Card Events from Chase

  Get opportunities to purchase private events and curated experiences through United Card Events from Chase. Check available cardmember events and buy a spot when one interests you. Access is an opportunity to purchase, not a complimentary event ticket; offerings vary.

  Checked Sep 28, 2026

Fees & Miscellaneous

• No Foreign Transaction Fees

  Pay no foreign transaction fees when using your United Club Card for purchases made outside the U.S. This applies to all international transactions, including online purchases billed in a foreign currency.

  Checked May 20, 2026