Welcome Offer

• Earn 95,000 bonus miles after spending $5,000 in the first three months.
• Plus, get 5,000 bonus miles for adding an authorized user within the same timeframe.

Rewards

• 9x Miles on United Flights: 5x miles as a MileagePlus member + 4x miles with the United Club card.
• 4x Miles on All Other United Purchases.
• 5x Miles on Hotels when you prepay for stays through Renowned Hotels and Resorts as a United® Cardmember.
• 2x Miles on All Other Travel.
• 2x Miles on Dining including eligible delivery services.
• 1x Mile on All Other Purchases.

Partner Benefits

• Instacart+ Membership: Get complimentary Instacart+ with $0 delivery fees on eligible orders. Benefits end on December 31, 2027.
• Instacart Credit: Get up to $240 in Instacart credits each calendar year. Receive two $10 credit every month when you use your United Club℠ Card for purchases made directly through Instacart. Offer ends on December 31, 2027.

Lounge Access

• United Club membership: Enjoy complimentary United Club access (valued at $750+) at 45+ locations for you, 1 adult guest, and dependent children.
• United Club℠ All Access Membership: Unlock All Access by reaching Premier Gold status or spending $50,000 annually. Includes access for you and up to 2 adult guests (or 1 adult guest plus dependent children) at United Club and Star Alliance™ lounges.
• 4 United Club One-Time Passes: Cardmembers with United Club All Access and an authorized user receive 4 United Club one-time passes annually (over $200 value).

Elite Hotel Status

• Platinum Elite Status in IHG One Rewards: Enjoy automatic Platinum Elite status with benefits like room upgrades, late checkout, and bonus points on stays.

Redemption Options

• Redeem miles for United flights, seat upgrades, inflight Wi-Fi, hotel stays, car rentals, and more.
• 10% Discount on United Economy Saver Awards: Enjoy 10% off Saver Award flight redemptions within the continental U.S. and Canada.

Fees and APR

• Annual Fee: $695.
• Regular APR: 20.49% - 28.99% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Free Checked Bags: The Primary Cardmember and one companion receive the first and second checked bags free, saving up to $360 per round trip.
• Renowned Hotels and Resorts Benefits: Experience an exclusive suite of benefits, including $100 property credit, daily breakfast for two, complimentary Wi-Fi, room upgrade and early check-in/late check-out, when available.
• Up to $200 Hotel Credit: Get up to $200 back each card anniversary year when you prepay for hotel stays through Renowned Hotels and Resorts with your United Club℠ Card.
• Up to $150 Rideshare Credit: Get up to $150 back per year on rideshare purchases, $12/month from January to November and up to $18 in December, when you enroll and pay with your United Club℠ Card. Annual enrollment required.
• Up to $100 in Car Rental Travel Credits: Earn $50 in United® TravelBank cash for each of your first two Avis or Budget rentals booked via cars.united.com and paid with your United Club℠ Card, up to $100 per anniversary year.
• Up to $200 JSX Credit: Receive up to $200 back each anniversary year when you book JSX flights directly using your United Club℠ Card. JSX offers a semi-private flying experience at commercial fares.
• Global Entry/TSA PreCheck®/NEXUS Fee Reimbursement: Get up to $120 every four years for the application fee.
• Premier Access® Travel Services: Enjoy priority check-in, security screening, boarding, and baggage handling privileges where available.
• Up to 20,000 Miles in Award Flight Discounts: Get a 10,000-mile discount on award flights after spending $20,000, eligible up to two times per calendar year with your United Club℠ Card.
• Premier Qualifying Points (PQP): Earn 1 PQP for every $15 spent, up to 28,000 PQP toward your MileagePlus Premier status per year.
• **1,500 Bonus PQP Each Year: Receive 1,500 PQP annually to help you qualify for Premier status. PQP will be applied to your MileagePlus account 6–8 weeks after February 1 each year.
• Premier Upgrades on Award Tickets: The Primary Cardmember with MileagePlus® Premier status and one companion on the same reservation are eligible for complimentary upgrades on select United- and United Express-operated flights.
• In-Flight and Lounge Discounts: Receive 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United-operated flights and Club premium drinks.
• Avis President’s Club: Complimentary enrollment offering benefits such as two-car class upgrades, guaranteed availability, expedited rental service, and more.
• Other Travel Benefits: Includes Auto Rental Coverage (primary coverage), Trip Cancellation/Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.

Purchase Protections

• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Extended Warranty Protection: Extends warranty coverage by one additional year on original eligible warranties of three years or less.
• Return Protection: Reimburses for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,000 per year.

Exclusive Offers

• Exclusive Cardmember Events: Purchase or use miles for unique experiences offered by United Card Events from Chase and United MileagePlus Exclusives.
• Visa Infinite Concierge Service: Get assistance with dinner reservations, Broadway shows, concert tickets, and sporting events.

Additional Features

• Contactless checkout and compatibility with digital wallets.

Terms and Conditions

Click Apply Now to see the terms and conditions.