Credit Cards

United MileagePlus® Club

Estimated Rewards

2 Year NetRewards


Ongoing NetRewards


+ Show Reward Breakdown






Credit Rating Required



Everyday Rewards

2 MileagePlus Miles

Special Rewards

2 MileagePlus Miles

Signup Bonus

50,000 MileagePlus Miles after spending $3,000.00 within 3 months of opening your card

Features and Benefits

United ClubSM membership – up to a $550 value per year

United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks. Before you fly, you, as the primary cardmember, and your eligible travel companions will enjoy access to all United Club locations and participating Star Alliance affiliated lounges worldwide.

$100 statement credit after your first purchase.

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

2X miles on tickets purchased from United

Earn 2 miles per $1 spent on tickets purchased from United.

Earn 1.5 miles per $1 spent on all other purchases.

Your miles don’t expire as long as your credit card account is open, with no limit to the number of miles you can earn.

Free first and second checked bags – a savings of up to $240 per roundtrip

The primary cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free ($25 value for the first checked bag and $35 value for the second checked bag, each way, per person) on United-operated flights when purchasing tickets with their United MileagePlus Club card. See

Welcome to the Club

Enjoy a United Club membership –up to a $550 value each year – as long as you remain a cardmember. United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks before your flight. The primary cardmember and eligible travel companions will have access to all United Club locations and participating Star Alliance affiliated lounges worldwide. If you already have a United Club membership, you will be reimbursed for the unused portion of your membership once you’re approved for the card. Authorized users will not receive their own United Club membership and are only eligible for United Club access if they are traveling with the primary cardmember.

No foreign transaction fees

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Travel benefits

Premier Access® travel services
Receive preferential treatment to ease your way through the airport with priority check-in, security screening (where available), boarding and baggage handling privileges.

Use miles for any seat, any time, on any United flight
The primary cardmember can use miles to book any seat, any time – no limitations, restrictions or blackout dates. If seats are available for sale on United-operated flights, you can use miles to book an award ticket at the Standard Award level when you sign into your MileagePlus account before starting the booking process.

No close-in award booking fees on United tickets
The primary cardmember has the freedom to book award tickets for close-in dates without having to pay a close-in award booking fee. Remember to sign into your MileagePlus account before starting the award booking process.

World of Hyatt: Discoverist Status
As the primary cardmember, you are eligible for Discoverist membership in the World of Hyatt global loyalty program. To enjoy this benefit, you will need to register at

Enjoy Luxury Hotel & Resort Collection privileges
Stay in style with room upgrades, complimentary breakfast and other special cardmember-only amenities at more than 900 of the finest hotels, resorts and spas in the United States and around the world.

Access to exclusive events with Inside Access from Chase
Access private, once-in-a-lifetime experiences – from celebrity meet-and-greets to private culinary and sports events.

Travel & purchase coverage

Auto Rental Collision Damage Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

Baggage Delay Insurance
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Lost Luggage Reimbursement
If you or your immediate family members’ checked or carry-on bags are damaged or lost by the carrier, you’re covered up to $3,000 per passenger.

Trip Cancellation/Trip Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.

Trip Delay Reimbursement
If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

Price Protection
If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.

Return Protection
You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase. Up to $500 per item, $1,000 per year.

Extended Warranty Protection
Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

Visa Concierge
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.

Fees and Rates

Annual Fee


Foreign Transaction Fee


Annual Percentage Rate


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Estimated Monthly Spend

Include all spend at local and national grocery stores, such as Kroger and Whole Foods. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend related to airline, train, bus, taxi/ride-sharing, and hotels.
Include all spend in restaurants, cafés, and bars.
Include all spend in department stores and speciality retailers. DO NOT INCLUDE spend at supermarkets, such as Target and Walmart.
Include all spend at gas stations.
Include all other spend not covered in the above categories that you might put on a credit card. DO NOT INCLUDE rent and other bills where there is a surcharge for paying with a credit card.
Monthly Spend:
Annual Spend: