Every United Club Card Credit in 2026: $920 of Credits, Two Monthly Clocks and a $695 Fee

Quick answer: The Chase United Club carries 6 recurring credits worth $920 a year at face value against its $695 fee. They produce 27 separate deadlines a year, 2 of them monthly, and 0 of the 6 need enrollment before they pay anything. The calendar below is generated from the same database rows that power the MaxWorth app; every credit links to its own page with the full terms.

Chase rebuilt the United Club Card around credits rather than around the lounge, and the result is a card with 27 deadlines a year: two $10 Instacart credits every month on the calendar year, a $12.50 rideshare credit every month, and three $100 to $200 annual credits that run on your card anniversary instead. None of them need enrollment. The monthly pair is worth $390 a year on its own and is where the card is won or lost.

The calendar

Cycle	Credit	Per cycle	Per year	Enroll	Resets
Monthly	$20 Monthly Instacart Credit	$20	$240	No	the 1st of each month
Monthly	$12.50 Monthly Rideshare Credit	$12.50	$150	No	the 1st of each month
Annual	$200 Renowned Hotels Statement Credit	$200	$200	No	card anniversary
Annual	$200 JSX Statement Credit	$200	$200	No	card anniversary
Annual	Up to $100 Avis/Budget Credits	$100	$100	No	card anniversary
Every 4 years	Global Entry/TSA PreCheck Credit	$120	$30	No	once per 4 years

Per cycle is the issuer-stated cap for one period. Resets reads the published terms: credits stated per calendar year reset on January 1, credits stated per cardmember year reset on your anniversary, and where the terms say neither we say so rather than guess.

The ones people miss

• Instacart is two $10 credits per month, not one $20. Each needs its own Instacart order placed directly with Instacart; one large order uses one credit and strands the other.
• The rideshare credit is $12.50 a month with a monthly cap, so a single $40 ride in a month returns $12.50 and the rest of the month’s cap is spent. Spreading rides across months matters more than the total.
• Renowned Hotels and JSX credits reset on your anniversary, Instacart on January 1. Two clocks on one card; a tracker that assumes one of them will be wrong about the other.

Does it cover the fee

Instacart $240 and rideshare $150 are $390 a year for anyone who already grocery-shops online and takes a car a few times a month. The three anniversary credits add $500 on paper but each needs a specific booking: a Renowned Hotels prepaid stay, a JSX flight, an Avis or Budget rental through United. Count the monthly pair plus one of the three and you are at $490 to $590 against the $695 fee, with United Club membership, worth $650 on its own, as the actual reason to hold the card.

How to run this calendar without a spreadsheet

Add the Chase United Club to MaxWorth and every credit above appears with its cycle already set: the monthly ones on the 1st, the quarterly ones on quarter boundaries, the annual ones on January 1 or your anniversary as the terms dictate. You get a push before each one expires, mark it used when you use it, and the card’s annual-fee ROI runs from what you marked. No bank account is connected at any point. The full card page lists the status perks and protections that this article leaves out.