
Nothing arrives on its own · up to $920 if you claim it
Tell us what you actually use. We'll show you what this card is worth to you.
Automatic
Arrives on its own — counted with no selection.
0 credits
Yours if you use it
Available only if you use it. Select the amount you realistically expect to capture.
6 credits
Perks you value
Requires spending or qualifying activity. Include only what you realistically expect to earn.
11 credits
Receive two $10 credits per month in the Instacart App
$240Two $10 credits per month while an Instacart+ membership is active - activate at instacart.com/p/chase-united by 12/31/27. Each credit requires one order of $10 or more at a SINGLE retailer; limit one credit per order. Credits do NOT roll over into the following month. Excludes taxes, service and delivery fees, tips and restaurant orders powered by Uber Eats. The complimentary Instacart+ term auto-bills $99 a year at the then-current rate unless cancelled. Delivered as in-app Instacart credit, not a statement credit.
Next reset: November 1, 2026
$200 JSX Statement Credit
$200Up to $200 per anniversary year on purchases made directly with JSX. Automatic.
Resets on your own card year — a date only you know.
$200 Renowned Hotels and Resorts Statement Credit
$200Up to $200 per anniversary year (the year that starts on your account open date) on prepaid ("Pay Now") bookings made directly through Renowned Hotels and Resorts for United Cardmembers. Automatic.
Resets on your own card year — a date only you know.
$150 Rideshare Statement Credit
$150"Earn up to $12 back as a statement credit each month from January to November and up to $18 back as a statement credit in December," up to $150 per calendar year. "You must enroll to receive this benefit. You will receive this benefit starting the day after enrollment, continuing each month through the end of the calendar year."
Next reset: January 1, 2027
Don't have the Chase United Club Card yet?
This is Chase’s own page. We are not paid for it, and your verdict does not move either way.
Adjust each credit to reflect your real usage. Your verdict updates as you go.
These numbers assume “I use about half” — assumes you capture half of each recurring credit. That is our guess about you, not a number the issuer published. The credit amounts are the issuer’s.
Quick set — start here, then adjust each credit
Automatic
Arrives on its own — counted with no selection.
Yours if you use it
Available only if you use it. Select the amount you realistically expect to capture.
Receive two $10 credits per month in the Instacart App
$120 / $240Two $10 credits per month while an Instacart+ membership is active - activate at instacart.com/p/chase-united by 12/31/27. Each credit requires one order of $10 or more at a SINGLE retailer; limit one credit per order. Credits do NOT roll over into the following month. Excludes taxes, service and delivery fees, tips and restaurant orders powered by Uber Eats. The complimentary Instacart+ term auto-bills $99 a year at the then-current rate unless cancelled. Delivered as in-app Instacart credit, not a statement credit.
Next reset: November 1, 2026
$200 JSX Statement Credit
$100 / $200Up to $200 per anniversary year on purchases made directly with JSX. Automatic.
Resets on your own card year — a date only you know.
$200 Renowned Hotels and Resorts Statement Credit
$100 / $200Up to $200 per anniversary year (the year that starts on your account open date) on prepaid ("Pay Now") bookings made directly through Renowned Hotels and Resorts for United Cardmembers. Automatic.
Resets on your own card year — a date only you know.
$150 Rideshare Statement Credit
$75 / $150"Earn up to $12 back as a statement credit each month from January to November and up to $18 back as a statement credit in December," up to $150 per calendar year. "You must enroll to receive this benefit. You will receive this benefit starting the day after enrollment, continuing each month through the end of the calendar year."
Next reset: January 1, 2027
Up to $100 Avis or Budget Travel Credit
$50 / $100$50 in United TravelBank cash on each of your 1st and 2nd eligible Avis or Budget rentals, up to $100 per anniversary year. Book at cars.united.com; 2-day minimum rental. Paid as United TravelBank cash, not a statement credit.
Resets on your own card year — a date only you know.
Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit
$15 / $30One statement credit up to $120 every four years, for Global Entry OR TSA PreCheck OR NEXUS - whichever program fee is charged to the card first. Purchases through third parties such as travel agencies or application assistance services are not eligible.
We have not confirmed the reset date with the issuer.
Perks you value
Requires spending or qualifying activity. Include only what you realistically expect to earn.
Avis President's Club
$0 / your callENROLLMENT REQUIRED: the primary cardmember must enroll at united.com/AvisChaseBenefit. Allow up to 7 business days after enrolling. Once enrolled, the Avis Preferred number must be included in each Avis reservation or the benefits do not apply. Primary cardmember only. No dollar value is stated in the terms.
PQP Earning (1 per $15 spend)
$0 / your call1 Premier Qualifying Point per $15 in net purchases, including authorized-user purchases, up to 28,000 PQP within the calendar year. Applies toward Premier status tiers up to and including Premier 1K. NEITHER THE RATE NOR THE CAP IS FIXED: the terms say PQP earn rate, annual cap and qualification requirements may vary by MileagePlus program year and card type, and that United calculates them at its discretion. Allow 6 to 8 weeks after qualifying purchases to post. Paid in PQP, not dollars.
Next reset: January 1, 2027
1,500 Card Bonus PQP
$0 / your call1,500 Card Bonus Premier Qualifying Points, posted within 6 to 8 weeks after February 1 each year. No spend required. The account must be open as of December 31 of the prior year and open and not in default at fulfillment. These PQP do NOT count toward the 28,000 PQP calendar-year cap earned from spend. United reserves the right to remove them if the account is closed or downgraded during the qualification year. Paid in PQP, not dollars.
Next reset: February 1, 2027
United Club All Access ($50k spend or Premier Gold)
$0 / your callUnlocked by exceeding $50,000 in net purchases in a calendar year OR by holding Premier Gold status or higher. Adds Star Alliance lounge access and a second adult guest (two adults, or one adult plus dependent children under 18). Chase states the validity two ways: through the following calendar year, or through the end of the next United program year. Purchases made on a different United card before an upgrade do not count toward the threshold.
Requires $50,000 qualifying spend to unlock
Next reset: January 1, 2027
United Club One-Time Passes
$0 / your callDOUBLE-CONDITIONAL: four passes are deposited after each cardmember anniversary only if the primary cardmember has United Club All Access membership AND an authorized user at the time of anniversary. No All Access - meaning under $50,000 spend and below Premier Gold - means no passes regardless of the authorized user. Allow 4 weeks to post, and 3 weeks from adding an authorized user before that user may redeem a pass without the primary present. The airline limits each pass to the three hours immediately prior to scheduled departure, and excludes Polaris, Arrivals, Partner and Club Fly locations (airline terms, not issuer terms).
Resets on your own card year — a date only you know.
IHG One Rewards Platinum Elite Status
$0 / your callREGISTRATION REQUIRED: the primary cardmember must register at united.com/ihgstatus. Allow 4 weeks for IHG to process. Status is held only while the credit card account remains open and the IHG One Rewards membership remains in good standing. Primary cardmember only. No dollar value is stated in the terms.
First and Second Checked Bags Free
$0 / your callPrimary cardmember plus one traveling companion on the SAME reservation; authorized users qualify only when on that reservation. The ticket must be purchased with this card - waived for flights completed in the first 90 days after account open - and the MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Cardmembers already exempt from checked baggage charges receive no additional free bags. Per reservation, not a periodic allowance, so no reset anchor is asserted.
25% Back on United Inflight and Club Premium Drinks
$0 / your call25% back as a statement credit on food, beverage and Wi-Fi purchases on board United and United Express operated flights, on Wi-Fi subscriptions, and on premium drink purchases at United Clubs. Authorized-user purchases on the account also qualify. NO CAP IS PUBLISHED anywhere in the terms - an uncapped percentage credit is unusual and is flagged for re-verification. Posts within 24 hours of the onboard purchase posting, unlike every other credit on this card, which takes 6 to 8 weeks. Value 0 because the benefit is a percentage with no stated ceiling, not a fixed amount.
We have not confirmed the reset date with the issuer.
Award Flight Discounts (10% / 15%)
$0 / your callPrimary cardmembers book United and United Express award flights with at least 10% fewer miles, or at least 15% fewer with MileagePlus Premier status. Separately, award flights in United Economy on United or United Express cost 10% fewer miles.
We have not confirmed the reset date with the issuer.
Premier Access
$0 / your callPriority check-in, security screening, boarding and baggage handling. Primary cardmember plus companions on the SAME reservation; authorized users qualify only when on that reservation. The MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Allow 2 weeks after account opening. Per reservation, not a periodic allowance, so no reset anchor is asserted.
United Club Card Membership
$0 / your callPrimary cardmember only - authorized users receive no membership of their own and get access only when accompanying the primary as an eligible guest. Allows one adult guest plus dependent children under 18 per visit. A same-day boarding pass on a United, Star Alliance or contracted partner operated flight is required for entry, at the departure or arrival airport only (airline terms, not issuer terms). Does NOT cover United Polaris or United Arrivals lounges, and does NOT include Star Alliance lounges on the base membership. Renews automatically on each credit card anniversary date; cancelled on account closure. Allow 2 weeks after account open for activation.
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Every credit on this card is tied to a place. Here is each one, what it is worth, the strings — and one tap to go use it. Only count the ones you would actually use.
No card issuer pays us. Some merchant links may earn a commission. Your verdict never depends on it. Paid links are marked Partner link. Order is by value, never by commission.
Receive two $10 credits per month in the Instacart App
shopping
Counts toward: up to $240/year
Frequency: Monthly
Two $10 credits per month while an Instacart+ membership is active - activate at instacart.com/p/chase-united by 12/31/27. Each credit requires one order of $10 or more at a SINGLE retailer; limit one credit per order. Credits do NOT roll over into the following month. Excludes taxes, service and delivery fees, tips and restaurant orders powered by Uber Eats. The complimentary Instacart+ term auto-bills $99 a year at the then-current rate unless cancelled. Delivered as in-app Instacart credit, not a statement credit.
$200 JSX Statement Credit
travel
Counts toward: up to $200/year
Frequency: Annual
Up to $200 per anniversary year on purchases made directly with JSX. Automatic.
$200 Renowned Hotels and Resorts Statement Credit
hotel
Counts toward: up to $200/year
Frequency: Annual
Up to $200 per anniversary year (the year that starts on your account open date) on prepaid ("Pay Now") bookings made directly through Renowned Hotels and Resorts for United Cardmembers. Automatic.
$150 Rideshare Statement Credit
rideshare
Counts toward: up to $150/year
Frequency: Annual
"Earn up to $12 back as a statement credit each month from January to November and up to $18 back as a statement credit in December," up to $150 per calendar year. "You must enroll to receive this benefit. You will receive this benefit starting the day after enrollment, continuing each month through the end of the calendar year."
Up to $100 Avis or Budget Travel Credit
travel
Counts toward: up to $100/year
Frequency: Annual
$50 in United TravelBank cash on each of your 1st and 2nd eligible Avis or Budget rentals, up to $100 per anniversary year. Book at cars.united.com; 2-day minimum rental. Paid as United TravelBank cash, not a statement credit.
Global Entry or TSA PreCheck® or NEXUS Application Fee Statement Credit
global entry
Counts toward: up to $30/year
Frequency: One-time
One statement credit up to $120 every four years, for Global Entry OR TSA PreCheck OR NEXUS - whichever program fee is charged to the card first. Purchases through third parties such as travel agencies or application assistance services are not eligible.
Don't have the Chase United Club Card yet?
This is Chase’s own page. We are not paid for it, and your verdict does not move either way.
Lounges, status and insurance can matter a lot. But the issuer puts no fixed dollar amount on them, so we show them here — and leave them out of your verdict.
Lounges
· 2United Club One-Time Passes
$0Four United Club one-time passes each anniversary, if All Access and an AU.
United Club Card Membership
$0Primary cardmember only - authorized users receive no membership of their own and get access only when accompanying the primary as an eligible guest. Allows one adult guest plus dependent children under 18 per visit. A same-day boarding pass on a United, Star Alliance or contracted partner operated flight is required for entry, at the departure or arrival airport only (airline terms, not issuer terms). Does NOT cover United Polaris or United Arrivals lounges, and does NOT include Star Alliance lounges on the base membership. Renews automatically on each credit card anniversary date; cancelled on account closure. Allow 2 weeks after account open for activation.
Status
· 4Avis President's Club
$0Avis President's Club status, on enrollment.
PQP Earning (1 per $15 spend)
$0Premier Qualifying Points earned from card spend.
1,500 Card Bonus PQP
$01,500 Premier Qualifying Points each February, with no spend requirement.
IHG One Rewards Platinum Elite Status
$0IHG One Rewards Platinum Elite status for the primary cardmember.
Other perks
· 5United Club All Access ($50k spend or Premier Gold)
$0Unlocked by exceeding $50,000 in net purchases in a calendar year OR by holding Premier Gold status or higher. Adds Star Alliance lounge access and a second adult guest (two adults, or one adult plus dependent children under 18). Chase states the validity two ways: through the following calendar year, or through the end of the next United program year. Purchases made on a different United card before an upgrade do not count toward the threshold.
First and Second Checked Bags Free
$0Primary cardmember plus one traveling companion on the SAME reservation; authorized users qualify only when on that reservation. The ticket must be purchased with this card - waived for flights completed in the first 90 days after account open - and the MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Cardmembers already exempt from checked baggage charges receive no additional free bags. Per reservation, not a periodic allowance, so no reset anchor is asserted.
25% Back on United Inflight and Club Premium Drinks
$025% statement credit on United inflight purchases and Club premium drinks.
Award Flight Discounts (10% / 15%)
$0Reduced mileage pricing on United award flights.
Premier Access
$0Priority check-in, security screening, boarding and baggage handling. Primary cardmember plus companions on the SAME reservation; authorized users qualify only when on that reservation. The MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Allow 2 weeks after account opening. Per reservation, not a periodic allowance, so no reset anchor is asserted.
These perks add zero to your calculated value. Coverage limits and eligibility vary by card; always confirm with the issuer.
Plain-language answers, with live numbers from this card.
Value & break-even
Whether Chase United Club Card is worth its $695 annual fee depends on which credits you actually use. Nothing on this card arrives on its own, so your WTF Check counts only the credits you say you use. The Maximum Credit Value is $920/year — your value may be much lower, and that is what the WTF Check calculates. Run the WTF Check above for your verdict.
You need to capture at least $695 in credits each year to break even. Using every credit you don't have to earn returns $920 — that's 1.3× the fee.
Banks add up every possible credit at its theoretical maximum. We show the Maximum Credit Value ($920/year here) — the credits you can capture by using them — and keep perks you value, which need spending or qualifying activity first, on their own line. Your WTF Check counts only what you say you use. If you don't use it, we don't count it.
No. Welcome bonuses are one-time and vary by application channel, so we don't fold them into ongoing annual value. Our number reflects what you get every year you hold the card — not a first-year sweetener.
Credits & enrollment
None of them — nothing on the Chase United Club Card posts automatically. Every credit takes an action to capture, which is why we count none of it for you by default. Use every credit you don't have to earn and the Chase United Club Card gives back $920 a year. Review each credit below and include only what you realistically expect to use or earn.
These credits require you to opt in through your account before they'll post: Avis President's Club, IHG One Rewards Platinum Elite Status, $150 Rideshare Statement Credit, Receive two $10 credits per month in the Instacart App. If you don't enroll, you get nothing — even after you spend.
WorthTheFee excludes any benefit without a fixed, verifiable dollar value — things like elite status, lounge access, or trip insurance. They're real, but we won't put a fake price on them.
Methodology & account
We sort every credit into three buckets: Automatic (included in the WTF Check with no selection required), Yours if you use it (available only if you actually use it), and Perks you value (requires spending or qualifying activity). Your verdict adds Automatic value to the value you select—never the bank's marketing total.
Every credit here is read from the issuer's own published terms by a person, who records the source link and the date. The date on this page is that date — it is when we last checked, not a promise about when we will check next. When a term changes we log it to our terms-history so you can see exactly what shifted and when, and if a credit's reset window changes, your reminders update too.
Issuers raise fees occasionally — usually with 30–60 days notice. If we detect a fee change on a card in My Wallet, it shows in your Alerts, under Deadlines. You can always downgrade or cancel before the renewal posts.
No. No card issuer pays us. Some merchant links may earn us a commission. Your verdict never does. The numbers don't move. The answer doesn't change. If the math says Cancel, we say Cancel.
Yes—your current selections are kept in this page's URL automatically. Create a free account to save your verdict to My Wallet and get reminders before each credit's reset window closes.
Every fee, credit and restriction on this page is taken from Chase’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.
Verified against official issuer sources on September 28, 2026. Issuers change terms without notice. Confirm on the issuer page before applying.
Which other cards give you these?
These 6 credits each have their own page, listing every card that carries them with the issuer’s stated maximum on each.
Estimate · $460 used vs. $695