How this card earns
- 2 miles per dollar:
- United Airlines
- Dining
- Sit-down or eat-in restaurants, including fast food and fine dining.
- Gas stations
- Automotive gasoline paid at the pump or inside a gas station.
- Office supply stores
- Merchants that primarily sell office supplies.
- 1 miles per dollar:
Everything else
Protections and other benefits
22 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.
- United Club MembershipUnited Club card membership for the primary cardholder and eligible guests; All Access requires qualifying status or spend.
- Avis President's ClubEnroll for Avis President's Club status and associated rental benefits.
- 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.
- Premier Qualifying PointsEarn 1 PQP per $20 in eligible purchases, up to 10,000 PQP per calendar year.
- 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.
- Travel Accident InsuranceCoverage for eligible travel accidents when qualifying transportation is paid with the card.
- Free First and Second Checked BagsThe cardholder and one companion get the first two checked bags free on eligible United flights paid with the card.
- Premier AccessPriority check-in, security screening, boarding and baggage handling on eligible United flights, where available.
- IHG Platinum EliteEnroll for IHG Platinum Elite status, with qualifying room upgrades, extended checkout and other status benefits.
- Emergency Evacuation and TransportationCoverage up to $1,000,000 for eligible emergency evacuation and related medical transport on covered trips at least 100 miles from home.
- Travel and Emergency AssistanceAccess legal and medical referrals and other emergency assistance while away from home. The cardholder pays for services received.
- Zero Liability ProtectionThe cardholder is not responsible for unauthorized charges made with the card or account information.
- Return ProtectionReimbursement for eligible returns refused within 90 days of purchase, up to $500 per item and $1,000 per 12-month period.
Keep all your cards in one place.
The cards that do have credits get lined up by the day they end.
- Sources
- dansdeals.com, chase.com
- Last checked
- October 4, 2026
- Foreign transaction fee
- None
- New applications
- Closed (chase.com)
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