Chase · Personal card
United Club Card
The United Club Card has a $695 annual fee and up to $814 a year in statement credits, across five credits. Two of the five United Club credits need a one-time enrollment before any spending counts, and Chase will not apply them retroactively.
- Annual fee
- $695
- Charged on your account anniversary
- Credits a year
- Up to $814
- 5 statement credits, used in full
- Need enrollment
- 2 of 5
- Credits. Enroll before you spend
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Instacart creditEnroll firstActivate the complimentary Chase Instacart+ membership on Instacart's site first; the credits load into the Instacart account.$20 a month. On the 1st of each month | $20 a month | On the 1st of each month | $240 |
| JSX credit$200 a year. On January 1 | $200 a year | On January 1 | $200 |
| Hotel credit$200 a year. On January 1 | $200 a year | On January 1 | $200 |
| Monthly rideshare creditEnroll first$12 a month. On the 1st of each month | $12 a month | On the 1st of each month | $144 |
| Global Entry, TSA PreCheck or NEXUS credit$120 each time. Available again every 4 years | $120 each time | Available again every 4 years | $30 |
| Total a year, if you use every credit | $814 |
What people get wrong
- Enrollment comes first. Two benefits need a one-time enrollment. Spend before you enroll and nothing posts, because Chase will not apply a credit retroactively.
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the United Club
What is the annual fee on the United Club Card?
$695 a year, charged each year on your account anniversary.
How much are the United Club credits worth?
Up to $814 a year if you use all five statement credits in full. The largest: Instacart credit ($240), JSX credit ($200) and Hotel credit ($200).
Which United Club benefits need enrollment?
Two of the five: Instacart credit and Monthly rideshare credit. Enroll before you spend, because Chase will not apply a credit retroactively.
When do the United Club credits reset?
Monthly credits reset on the 1st of each month, and yearly credits on January 1. Unused credit does not roll over.
Is the United Club worth the $695 fee?
On credits alone, only if you use at least 86% of them. They add up to $814 a year against the $695 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the United Club earn?
United MileagePlus points, worth about 1.3 cents each in a typical redemption.
