Chase · Card guide
United Club℠ Card: every recurring credit, worth $884/year
The United Club℠ Card carries $884 a year in countable credits across 5 recurring benefits, against a $695 annual fee.
The math
| Amount | |
|---|---|
| Countable credits per year | $884 |
| Annual fee | $695 |
The $884/yr in countable credits covers the $695 annual fee — but only the portion you remember to use.
Every credit, benefit by benefit
| Benefit | Credit | Resets | Yearly value | Enrollment needed |
|---|---|---|---|---|
| $200 Renowned Hotels and Resorts credit per anniversary year Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with the card. | $200 | Yearly (on your anniversary) | $200/yr | No |
| $12/month rideshare credit Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases: $12 each month January through November and up to $18 for December. | $12 ($12 per month Jan–Nov, $18 in December) | Monthly | $144/yr | Yes — Yearly opt-in is required. |
| $100 Avis/Budget TravelBank credit per anniversary year Receive $50 in United TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with the card. | $100 | Yearly (on your anniversary) | $100/yr | No |
| $20/month Instacart credits Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with the card. | $20 (Two $10 credits per month) | Monthly | $240/yr | Yes — Link this card in the Instacart app to activate the credit. |
| $200 JSX flight credit per anniversary year Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using the card. | $200 | Yearly (on your anniversary) | $200/yr | No |
Reset cadence on this card: 3 yearly (on your anniversary), 2 monthly.
Enrollment gotchas
2 of 9 tracked benefits on this card require enrollment before the credit works. Skip enrollment and the credit never appears.
- Yearly opt-in is required.
- Link this card in the Instacart app to activate the credit.
Other perks on this card
- Annual United Club membership — no fixed dollar value in our catalog (United Club membership for the primary cardmember (plus one adult guest and children). Upgraded to All Access membership (adds Star Alliance lounges) after $50,000 in card spending per year or reaching United Premier Gold status.)
- 10,000-mile award flight discount (up to 2×/year) — no fixed dollar value in our catalog (Earn a 10,000-mile award flight discount after $40,000 in purchases, usable toward an eligible award flight — up to two times each calendar year.)
- 1,500 PQP annual status boost — no fixed dollar value in our catalog (1,500 Premier Qualifying Points (PQPs) applied each year toward United Premier status (starting 2026).)
- Complimentary IHG Platinum Elite status — no fixed dollar value in our catalog (Complimentary IHG One Rewards Platinum Elite status while the card account is open.)
Sources: uscreditcardguide.com (2026-10-06) · thepointsguy.com (2026-10-06) · wallethub.com (2026-10-06) · milesopedia.us (2026-10-06). Benefit amounts last verified 2026-10-06. Card benefits change — confirm current terms with Chase before applying.
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