Chase United Club
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| United | 5x | 6.5% |
| Travel | 2x | 2.6% |
| Dining | 2x | 2.6% |
| Everything else | 1x | 1.3% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Credits (7)
$20 Monthly Instacart Credit
Two $10 Instacart credits monthly (up to $240 total each calendar year) for purchases made directly through Instacart with your United Club Card. Benefits end 12/31/27.
$200 Renowned Hotels Statement Credit
Up to $200 back as statement credits each anniversary year on hotel accommodations prepaid directly through Renowned Hotels and Resorts for United Cardmembers with your United Club Card.
$200 JSX Statement Credit
Up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using your United Club Card.
$12.50 Monthly Rideshare Credit
Up to $150 back as statement credits each year on rideshare purchases when you pay with your United Club Card (monthly cap applies).
Global Entry/TSA PreCheck Credit
Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fee charged to your card.
Up to $100 Avis/Budget Credits
Up to $100 in United TravelBank cash each anniversary year on Avis or Budget car rentals booked directly through cars.united.com with your United Club Card.
1,500 Card Bonus PQP
1,500 Card Bonus Premier qualifying points (PQP) each year, applied toward Premier status qualification up to and including Premier 1K.
Status & Elite Perks (8)
United Club Membership
Unlimited United Club access for primary cardmember and one guest (or dependent children) at 45+ United Club locations worldwide. Standalone United Club membership otherwise costs $750/year.
Free First and Second Checked Bags
Primary Cardmember and one companion on same reservation each receive their first and second standard checked bags free on United-operated flights. Save up to $440 per roundtrip.
Complimentary Instacart+ Membership
Complimentary Instacart+ membership (otherwise $99/year). Activation required.
Premier Access Travel Services
Priority check-in, security screening (where available), boarding, and baggage handling on United-operated flights.
Visa Infinite Concierge Services
24/7 Visa Infinite Concierge for travel, dining, and entertainment requests.
IHG One Rewards Platinum Elite Status
Complimentary IHG One Rewards Platinum Elite status. Enrollment required.
Premier Upgrades on Award Tickets
Same complimentary Premier upgrades on award tickets as on paid tickets, based on Premier status.
Avis President's Club Status
Complimentary Avis President's Club status (top-tier elite). Enrollment required.
Other (3)
10% Off United Economy Saver Awards
10% mileage discount when booking United Economy Saver Awards.
25% Back on United Inflight/Club Premium Purchases
25% back as statement credit on food/beverage/Wi-Fi onboard United-operated flights and on Club premium drink purchases when paid with United Club Card.
10,000-Mile Award Flight Discount
After $20,000 in annual purchases, earn a 10,000-mile award flight discount (up to 2 per year).
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 18 Chase United Club benefits automatically — redemption progress, reset dates and expiry alerts.