16 tracked perks. Here's everything this card actually offers — structured and kept current.
If a trip is cancelled or cut short due to covered reasons such as illness or severe weather, cardmembers may be reimbursed for non-refundable prepaid travel expenses up to a specified limit per trip.
When a common carrier trip is delayed by a covered reason for a qualifying number of hours, cardmembers may be reimbursed for reasonable expenses such as meals and lodging up to a per-ticket limit.
If checked baggage is delayed by a common carrier for a qualifying period, cardmembers may be reimbursed for essential purchases such as clothing and toiletries up to a specified limit.
Cardmembers receive two one-time United Club passes each account anniversary year, granting access to United Club airport lounges.
Cardmembers receive a $100 annual United Travel Bank credit that can be applied toward United flights.
The primary cardmember and one companion on the same reservation each get their first checked bag free on United-operated flights, saving up to $35 per person per flight.
Cardmembers receive a 25% rebate as a statement credit on in-flight purchases such as food, beverages, and Wi-Fi when charged to the card on United flights.
When the full rental cost is charged to the card and the cardmember declines the rental company's collision damage waiver, the card provides primary coverage for theft or collision damage on eligible rentals.
Business cardmembers can add employee cards with no additional annual fee, allowing employee spending to contribute to the primary account.
United Business cardmembers have access to expanded MileagePlus saver award space on United flights not always available to non-cardmembers.
Cardmembers can earn up to 1,000 Premier Qualifying Points (PQP) per calendar year toward United MileagePlus elite status based on card spend.
Cardmembers and companions on the same reservation receive priority boarding on United-operated flights, allowing them to board in an earlier boarding group.
New purchases made with the card are covered against damage or theft for a limited period after purchase, up to a per-claim and annual maximum.
If carry-on or checked luggage is lost or damaged by a common carrier, the cardmember and immediate family members may be reimbursed up to a specified limit.
Eligible manufacturer warranties of three years or less are extended by an additional year when the purchase is made with the card.
$150 Annual Fee
The full structured detail behind every perk — deductibles, coverage caps, reset windows, enrollment rules, confidence scores and the source citation — is available through the API.
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