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kardfolio

Credits by reset window

Open a row for its terms. Each amount is the most the credit is worth in one period.

Monthly

2 credits

Rideshare Credit$8 a month, $12 in December

$8 monthly, $12 in December for eligible rideshare purchases after enrollment, paid with the card.

Instacart Credit$10 a month

$10 monthly in one credit after activating the Chase Instacart+ offer; one offer per household.

Terms end on January 1, 2028.

Yearly

4 credits · by card year

JSX Credit$100 a year

Book directly with JSX and pay with the card. The allowance resets each card year.

United Hotels Credit$100 a year

Up to $50 on each of the first two prepaid United Hotels stays per card year, paid directly with the card.

United FareLock Credit$25 a year

Use the card for eligible United FareLock purchases. The allowance resets each card year.

United Club Pass Credit2 passes a year

Two United Club passes after account opening and each card anniversary. Each pass expires on its printed date; eligible same-day travel is required. Expires on the date printed on each certificate or pass.

Earned through spending

1 award

Economy Plus Seat Upgrades2 Economy Plus upgrades a year

Earn two continental U.S. Economy Plus upgrades after $25,000 calendar-year spend; expires 12 months after issue.

Earn 2 continental U.S. Economy Plus

Expires 12 months after it is issued.

$445 a year, before anything is used.

Counts the credits with a yearly dollar amount.

$18 ends every month.

Credits with calendar reset dates. Each ring is a day a credit ends, whether or not it was used.

  • MonthlyRideshare Credit, Instacart Credit$22 in December
    $18 every month

2026 amounts from the kardfolio catalog, before anything is used. Not drawn, since they reset by card year: JSX Credit, United Hotels Credit and 2 more.

How this card earns

  1. 2 miles per dollar:
    United Airlines
    Gas stations
    Transit
    Dining
    Office supply stores
    United Card Events
  2. 1 miles per dollar:

    Everything else

Protections and other benefits

19 benefits
  • United Inflight and Club PurchasesGet 25% back on eligible United inflight food, beverages and Wi-Fi, and United Club premium drinks paid with the card.
  • Priority BoardingThe cardholder and companions on the same reservation receive priority boarding on eligible United flights.
  • Award Flight PricingReceive cardholder pricing and expanded availability on eligible United award flights when signed into MileagePlus.
  • Award Ticket UpgradesEligible Premier members and one companion may receive complimentary upgrades on eligible United award tickets, subject to availability.
  • Concierge ServiceAccess concierge assistance for travel, dining and purchases; the cardholder pays for purchased goods and services.
  • Free Checked BagsThe cardholder and one companion get the first standard checked bag free on eligible United flights paid with the card.
  • Premier Qualifying PointsEarn 1 PQP per $20 in eligible purchases, up to 4,000 PQP per calendar year.
  • Better-Together Anniversary BonusReceive 5,000 anniversary miles while holding an eligible personal United card as its primary cardholder; both accounts must remain eligible.
  • Auto Rental CoverageCoverage for eligible rental-car theft and collision damage after paying with the card and declining agency coverage.
  • Purchase ProtectionCoverage for eligible new purchases against damage or theft, subject to the benefit guide limits.
  • Extended Warranty ProtectionExtends eligible manufacturer warranties, subject to the benefit guide limits.
  • Baggage Delay InsuranceReimbursement for eligible essentials when checked baggage is delayed, subject to the benefit guide limits.
  • Lost Luggage ReimbursementReimbursement for eligible lost or damaged baggage, subject to the benefit guide limits.
  • Trip Delay ReimbursementReimbursement for eligible meals and lodging after a covered travel delay, subject to the benefit guide limits.
  • Trip Cancellation and Interruption InsuranceReimbursement of eligible prepaid travel costs for covered cancellation or interruption.
  • Instacart+Activate by December 31, 2027 for three months free, then 25% off the annual rate. Terms and service fees apply.
  • Employee CardsAdd employee cards at no additional cost. Eligible employee purchases earn miles for the business card account.
  • Avis or Budget Travel Credit$25 per eligible rental, $50/year: first two Avis/Budget rentals of 2+ days via MileagePlus Travel. Posts in 6-8 weeks; expires 12 months after issue.
  • United Travel CreditEarn $125 TravelBank per calendar year after five United travel purchases of $100+ each. Posts in 6-8 weeks; expires 12 months after issue.

Track it only when it belongs to you.

kardfolio starts from cards you choose. What you have used this month stays in your account.

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Last checked
October 4, 2026
Foreign transaction fee
None

Card terms can change. The issuer’s current terms control. Credit amounts show the most a credit is worth, not guaranteed savings. How card facts are sourced