Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
4x
Dining
2x
Travel
2x
Where it wins:
Stated credits ($890/yr) cover the $695 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
4X on United purchases
2X on Dining and Travel
1X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseUnited Airlines4×
- Dining2×
- Travel2×
- Everything elseAll Purchases1×
Welcome offer
90,000 points
- Spend $5,000 in 90 days
- Est. value: $900 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Renowned Hotels and Resorts Credit$200/yr
Receive up to $200 back in statement credits each anniversary year on prepaid hotel stays purchased through Renowned Hotels and Resorts.
- Rideshare Credit$150/yr
Enroll to receive statement credits each calendar year on rideshare purchases.
- Avis or Budget Car Rental Credit$100/yr
Receive up to $100 in United TravelBank cash each anniversary year for Avis or Budget car rentals.
- JSX Credit$200/yr
Get up to $200 back as a statement credit each anniversary year on flights purchased directly with JSX.
- Instacart Credit$240/yr
Receive two $10 Instacart credits monthly, up to $240 total each calendar year.
Benefits
- United Club Membership$750/yr
Unlimited United Club access for you and eligible guests.
- Free First and Second Checked Bags$440/yr
For the primary Cardmember and one companion on the same reservation on United-operated flights.
- Premier Access Travel Services
Priority check-in, security screening, boarding, and baggage handling privileges where available.
- Renowned Hotels and Resorts Credit$200/yr
Receive up to $200 back in statement credits each anniversary year on prepaid hotel stays purchased through Renowned Hotels and Resorts.
- Rideshare Credit$150/yr
Enroll to receive statement credits each calendar year on rideshare purchases.
- Avis or Budget Car Rental Credit$100/yr
Receive up to $100 in United TravelBank cash each anniversary year for Avis or Budget car rentals.
- JSX Credit$200/yr
Get up to $200 back as a statement credit each anniversary year on flights purchased directly with JSX.
- Global Entry, TSA PreCheck or NEXUS Fee Credit$120/yr
Receive a statement credit for the application fee.
- IHG One Rewards Platinum Elite Status
Complimentary Platinum Elite status for the primary cardmember.
- Avis President's Club Membership
Enroll to enjoy complimentary two-car class upgrades, guaranteed car availability, and more.
- No Foreign Transaction Fees
- In-flight Purchase Discount$25/yr
Receive 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights.
- Premier Upgrades on Award Tickets
Primary Cardmembers with MileagePlus Premier status traveling on an award ticket are eligible for Complimentary Premier Upgrades.
- Instacart Credit$240/yr
Receive two $10 Instacart credits monthly, up to $240 total each calendar year.
- Complimentary Instacart+ Membership
Get complimentary Instacart+ Membership with $0 delivery fees on eligible orders.
- Extended Warranty Protection
Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less.
- Visa Infinite Concierge Service
24/7 personalized assistance for travel planning, dinner reservations, and more.
- Earn PQP from Spend
Earn 1 PQP for every $15 spent on purchases, up to 28,000 PQP per year.
- Trip Cancellation/Interruption Insurance
- Baggage Delay Insurance
- Lost Luggage Reimbursement
- Trip Delay Reimbursement
- Primary Auto Rental Coverage
Primary coverage for theft and collision damage for most rental vehicles.
- Purchase Protection
Covers eligible new purchases against damage or theft.
- Return Protection
- Annual PQP Bonus
Get 1,500 Card Bonus Premier qualifying points (PQP) each year.
Insurance cover and point awards list by name only. The issuer publishes a figure for each, but those are claim limits and points balances, not dollars a year, so they stay out of the totals.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $695 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.