United Club
Credits 10
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $1,040 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every month
Up to $12/month January-November on rideshare purchases (December is $18; the extra $6 is tracked separately). Yearly opt-in required; $150 per calendar year total.
How to activate: Opt in to the rideshare benefit each calendar year in the Chase app or on Chase's website.
Two $10 Instacart credits each month (one per order of $10+); unused credits don't roll over.
How to activate: Activate the free Instacart+ membership with this card on Instacart's Chase United offer page.
Condition: Requires active Instacart+ (complimentary for Club cardmembers through 12/31/27)
$10 off one non-restaurant DoorDash order (grocery, convenience, retail) each calendar month while DashPass is active with this card, for DashPass first activated on or after Sep 1, 2026; earlier activations get it once a quarter. Unused discounts don’t roll over.
How to activate: Add the card in the DoorDash app and activate DashPass with it by 12/31/2027, then pay with that card.
Condition: Requires DashPass (12 months complimentary when activated by 12/31/2027, then paid)
Every year
Up to $200 back each anniversary year on prepaid ('Pay Now') hotel stays booked through Renowned Hotels and Resorts for United Cardmembers.
December rideshare credit is up to $18 instead of $12; this is the extra $6.
How to activate: Opt in to the rideshare benefit each calendar year in the Chase app or on Chase's website.
$50 in United TravelBank cash on each of your first two Avis or Budget rentals (2+ days) per anniversary year, booked via mileageplustravel.united.com and paid with the card.
Up to $200 in statement credits each anniversary year on flights booked directly with JSX.
10,000-mile discount on a United/United Express award; expires 12 months after issue. Valued conservatively at ~$100 (about 1 cent/mile).
Condition: After $20,000 in purchases in a calendar year
Second 10,000-mile award discount (max two per calendar year); expires 12 months after issue. ~$100 conservative value.
Condition: After $40,000 in purchases in a calendar year
Every few years
One statement credit of up to $120 every 4 years for the Global Entry, TSA PreCheck or NEXUS application fee charged to the card.
Perks 13
Benefits you use rather than credits that post to your statement.
Card membership for primary cardmember plus one adult guest (or dependent children under 18); All Access (Star Alliance lounges, 2 guests) after Premier Gold or $50,000 calendar-year spend.
4 one-time United Club passes per anniversary year once you have All Access and an authorized user on the account.
First and second standard checked bags free for the primary cardmember and one companion on the same reservation on United-operated flights, when the ticket is bought with the card and your MileagePlus number is on the booking (no purchase needed for flights in the first 90 days after account opening).
Priority check-in, security, boarding and baggage handling on United and United Express flights where available, for the primary cardmember and companions on the same reservation.
12 months of free DashPass when first activated between 2/1/2025 and 12/31/2027, then it renews at the monthly rate unless you cancel.
Free Instacart+ when activated by 12/31/2027, lasting through 12/31/2027 or one year, whichever is longer; then $99/year unless canceled.
Complimentary IHG Platinum Elite for the primary cardmember after registering through United's IHG status page (can take 4 weeks); give your IHG number when booking.
Complimentary Avis President's Club after enrolling through United's Avis page: two-class upgrades when available, guaranteed cars with 24 hours' notice and faster service.
On Renowned Hotels and Resorts bookings: $100 property credit, daily breakfast for two, Wi-Fi, and a room upgrade and early check-in/late checkout when available.
At least 10% fewer miles on United award flights for the primary cardmember (at least 15% with Premier status); not for Money + Miles.
25% back as a statement credit on United inflight food, drinks and Wi-Fi and on United Club premium drinks paid with the card, including authorized users.
1,500 Premier qualifying points each year, posted within 8 weeks of Feb 1 if the card was open on Dec 31 of the prior year.
A primary cardmember with MileagePlus Premier status flying on an award ticket, plus one companion on the same reservation, can get complimentary Premier upgrades on select United and United Express flights.
Also included
- 1,500 Card Bonus PQP each year plus 1 PQP per $15 spend (up to 28,000 PQP)
- No foreign transaction fees
- Trip cancellation/interruption, trip delay and rental car coverage
Before you apply
Chase’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Chase usually declines you if you’ve opened 5 or more personal cards from any bank in the last 24 months. This applies to almost every Chase card, personal and business. How 5/24 works
Usually no more than 2 new personal Chase cards in 30 days. A third application within 30 days is usually declined, and you still take the hard pull.
Usually just one new Chase business card in 30 days. A second business application within 30 days is usually declined.
Never miss one of these credits
Add the United Club to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.