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
Gas
2x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseUnited Airlines2×
- Dining2×
- Gas2×
- Everything elseOffice Supply Stores2×
- Everything elseAll Purchases1×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- United Club Passes$100/yr
- Free Checked Bag$30/yr
Primary cardmember and one traveling companion on the same reservation are each eligible to receive their first standard checked bag free.
- Priority Boarding$10/yr
The primary cardmember and companions traveling on the same reservation are eligible for priority boarding.
- LHRC
Luxury Hotel & Resort Collection (LHRC) offers elite-like benefits including: free breakfast, Wifi, upgrade, early check-in, and late check-out.
Transfer partners
Where this card's points can go, and at what ratio. 12 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
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 $95 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.