United
$0 intro annual fee the first year, then $99
Credits 0
This card has no statement credits that expire.
Perks 6
Benefits you use rather than credits that post to your statement.
First and second checked bags free for the primary cardholder (not authorized users) on United/United Express flights bought with the card.
2 one-time United Club passes per account, deposited after account opening and every 12 months after.
Complimentary Premier upgrades on award tickets for the primary cardholder, subject to availability.
25% back as a statement credit on food, drinks and Wi-Fi bought onboard United and United Express flights with the card through the United app; it can take up to 45 days to post.
At least 10% fewer miles on United and United Express award flights for the primary cardholder (15% with Premier status); not for Money + Miles or other redemptions.
1 PQP per $20 of card spend, up to 2,000 PQP in 2026 (authorized users' spend counts); Premier status still needs at least 4 United flights.
Also included
- Trip cancellation/interruption and rental car coverage
- No foreign transaction fees
Never miss one of these credits
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Last checked Oct 16, 2026. Spot something out of date? Tell us.