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
3x
Travel
2x
Dining
2x
Where it wins:
Stated credits ($860/yr) cover the $350 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
3X miles on United purchases
2X miles on all other travel (including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls)
2X miles on dining (including delivery services)
2X miles on streaming service
1X on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseUnited Airlines3×
- Travel2×
- Dining2×
- EntertainmentStreaming2×
- Everything elseAll Purchases1×
Welcome offer
80,000 points
- Spend $4,000 in 90 days
- Est. value: $800 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- United Travel Credit$200/yr
Automatically receive $200 in United TravelBank cash after account opening and annually on your account anniversary.
- Renowned Hotels and Resorts Credit$150/yr
Receive up to $150 back in statement credits each anniversary year on prepaid hotel stays purchased through Renowned Hotels and Resorts.
- Avis or Budget Travel Credit$80/yr
Receive $40 in United TravelBank cash for your 1st and 2nd Avis or Budget car rental.
- JSX Credit$150/yr
Get up to $150 back as a statement credit each anniversary year on flights booked directly with JSX.
- Rideshare Credit$100/yr
Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases.
- Instacart Credits$180/yr
Receive one $10 Instacart credit and one $5 Instacart credit monthly.
Benefits
- United Travel Credit$200/yr
Automatically receive $200 in United TravelBank cash after account opening and annually on your account anniversary.
- Free First and Second Checked Bags$440/yr
The primary Cardmember and one companion can each check a first and second standard bag for free on United-operated flights.
- Priority Boarding
Group 2 priority boarding for the primary Cardmember and companions on the same reservation.
- Global Entry, TSA PreCheck® or NEXUS Fee Credit$120/yr
Receive a statement credit of up to $120 every 4 years for the application fee.
- No Foreign Transaction Fees
Purchases made outside the U.S. will not be subject to foreign transaction fees.
- Renowned Hotels and Resorts Credit$150/yr
Receive up to $150 back in statement credits each anniversary year on prepaid hotel stays purchased through Renowned Hotels and Resorts.
- Avis or Budget Travel Credit$80/yr
Receive $40 in United TravelBank cash for your 1st and 2nd Avis or Budget car rental.
- JSX Credit$150/yr
Get up to $150 back as a statement credit each anniversary year on flights booked directly with JSX.
- United Inflight & Club Purchase Credit$25/yr
Get 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated flights and on Club premium drinks.
- Rideshare Credit$100/yr
Enroll to receive up to $100 back as statement credits each calendar year on rideshare purchases.
- Instacart Credits$180/yr
Receive one $10 Instacart credit and one $5 Instacart credit monthly.
- Auto Rental Collision Damage Waiver
Primary coverage for theft and collision damage for most rental vehicles.
- Purchase Protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per item.
- 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.
- Earn Premier Qualifying Points (PQP) from spend
Earn 1 PQP for every $20 spent on purchases, up to 18,000 PQP per year.
- Visa Concierge
Complimentary Visa Signature Concierge Service 24 hours a day.
- Anniversary Award Flight Discount
Starting with your first anniversary and every anniversary thereafter, you'll get a 10,000-mile discount to use toward an eligible award flight.
- Award Flight Discount on Spend
Earn a 10,000-mile eligible award flight discount after spending $20,000 on purchases each calendar year.
- Trip Cancellation/Interruption Insurance
- Baggage Delay Insurance
- Lost Luggage Reimbursement
- Trip Delay Reimbursement
- Annual Premier Qualifying Points (PQP) Bonus
Get 1,000 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 $350 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.
