CardflareUnited Club Card
Chase
Key facts
- Annual fee$695
- RewardsPoints
- Everything else earns1x points
- Minimum credit score740
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel (air) | 5x points | No cap stated |
| Travel (hotel) | 2x points | No cap stated |
| Travel (other) | 2x points | No cap stated |
| Transit | 2x points | No cap stated |
| Dining | 2x points | No cap stated |
| Everything else | 1x points | No cap stated |
At specific merchants
- 5x points at Renowned Hotels and Resorts for United Cardmembers (via Chase Travel) (Prepaid hotel stays)
Signup bonus
90,000 points after $5,000 of spend in the first 3 months.
Credits and benefits
The credits the catalog models as fee offsets. Not a complete list of every perk.
- $200 a year at Renowned Hotels and Resorts for United Cardmembers — Prepaid stays, each anniversary year
- $150 a year at Rideshare, activation required — Up to $12 per month Jan-Nov and $18 in December; yearly opt-in
- $50 a year at Avis / Budget via MileagePlus Travel — United TravelBank cash, 1st and 2nd rental each anniversary year
- $10 a month at Instacart, activation required — Two $10 credits per month; requires the complimentary Chase Instacart+ membership
- $200 a year at JSX — Each anniversary year
- $120 every 4 years — Global Entry, TSA PreCheck or NEXUS application fee
Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Chase; the card name is its owner's trademark.