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
2x
Dining
2x
Travel
2x
Where it wins:
Stated credits ($530/yr) cover the $150 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
2X on United purchases
2X on Dining and Travel
1X on all purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseUnited Airlines2×
- Dining2×
- TravelHotels2×
- Everything elseAll Purchases1×
Welcome offer
70,000 points
- Spend $3,000 in 90 days
- Est. value: $700 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- United Hotels Credit$100/yr
Receive $50 back as a statement credit on your first and second prepaid hotel stays purchased through United Hotels each anniversary year.
- JSX Credit$100/yr
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX.
- Avis or Budget Credit$50/yr
Receive $25 in United TravelBank cash for your first and second Avis or Budget car rentals booked through MileagePlus Travel, up to $50 annually.
- United Travel Credit$100/yr
Earn $100 in United TravelBank cash after you spend $10,000 on purchases each calendar year.
- Rideshare Credit$60/yr
Enroll to receive up to $5 back as a statement credit each month on rideshare purchases, up to $60 per year.
- Instacart Credits$120/yr
Receive a $10 Instacart credit monthly for purchases made directly through Instacart. Terms apply.
Benefits
- Free First Checked Bag$200/yr
The primary Cardmember and one companion on the same reservation can each check a first standard bag for free on United-operated flights.
- United Club Passes$2/yr
Receive two United Club one-time passes after account opening and each anniversary.
- Global Entry, TSA PreCheck® or NEXUS Fee Credit$120/yr
Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee.
- Inflight & Club Purchase Credit$25/yr
25% back as a statement credit on purchases of food, beverages, and Wi-Fi on United flights and on premium drinks at United Clubs.
- United Hotels Credit$100/yr
Receive $50 back as a statement credit on your first and second prepaid hotel stays purchased through United Hotels each anniversary year.
- JSX Credit$100/yr
Get up to $100 back as a statement credit each anniversary year when you book flights directly with JSX.
- Avis or Budget Credit$50/yr
Receive $25 in United TravelBank cash for your first and second Avis or Budget car rentals booked through MileagePlus Travel, up to $50 annually.
- United Travel Credit$100/yr
Earn $100 in United TravelBank cash after you spend $10,000 on purchases each calendar year.
- Priority Boarding
Primary cardmember and companions on the same reservation get Group 2 priority boarding on United-operated flights.
- Rideshare Credit$60/yr
Enroll to receive up to $5 back as a statement credit each month on rideshare purchases, up to $60 per year.
- Instacart Credits$120/yr
Receive a $10 Instacart credit monthly for purchases made directly through Instacart. Terms apply.
- Complimentary Instacart+ Membership$3/yr
Get a complimentary 3-month Instacart+ membership. After that, auto-enroll at a discounted annual rate.
- Auto Rental Collision Damage Waiver
Primary coverage for theft and collision damage for most rental cars.
- Baggage Delay Insurance
Reimburses for essential purchases up to $100 a day for 3 days if your baggage is delayed over 6 hours.
- Lost Luggage Reimbursement
Coverage up to $3,000 per passenger for checked or carry-on luggage that is damaged or lost by the carrier.
- Trip Cancellation/Interruption Insurance
Reimbursement up to $1,500 per person and $6,000 per trip for pre-paid, non-refundable passenger fares if your trip is canceled or cut short for covered reasons.
- Trip Delay Reimbursement
If your travel is delayed more than 12 hours or requires an overnight stay, you can be reimbursed for expenses like meals and lodging, up to $500 per ticket.
- Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim.
- Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
- No Foreign Transaction Fees
Purchases made with your card outside the U.S. will not be subject to foreign transaction fees.
- Earn Premier Qualifying Points (PQP)
Earn 1 PQP for every $20 spent, up to a maximum of 1,000 PQP in a calendar year.
- Award Flight Discount
Earn a 10,000-mile award flight discount after spending $20,000 on purchases each calendar 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 $150 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.
