0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: United MileagePlus Miles
Base Rate: 1x
Bonus Rate: 2x
Categories: 2x United purchases, 2x Dining, 2x Hotel stays
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Miles do not expire.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: N/A - Earns directly into United MileagePlus program.
Redemption Penalties: Standard airline award fees may apply (e.g., close-in booking fees for non-elites, change/cancellation fees depending on fare rules).
Benefits & Protections (Detailed)
No Card Benefits Available
Click "Get Data" button below to fetch card benefits for this card.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $100
Hotel Status: Hertz President's Circle Elite Status
Sign-Up Bonus
PENDING70,000
Points/MilesRequirement: Spend $4,000 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours of the statement closing date following the spend requirement.
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
| Min Interest Charge: | $0.50 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Applicants must be 18 years or older, a U.S. resident, and possess excellent credit. Approval is subject to Chase's 5/24 rule, meaning you are generally ineligible if you have opened 5 or more personal credit cards across any issuer in the past 24 months. Furthermore, you are typically not eligible for the welcome bonus if you currently hold any United co-branded credit card or have received a new cardmember bonus for any United co-branded credit card in the past 24 months. Typical welcome bonus offers require spending a specified amount (e.g., $3,000) within the first 3 months of account opening to earn a set number of United miles (e.g., 60,000 miles).
Max Cards Per Issuer: 7
Min Spend Interval: 3 months
Cliff Effect Rules: Chase's 'one bonus per product family' rule often applies to co-branded cards. For United cards, this means you may be ineligible for the United Explorer Card welcome bonus if you currently hold or have received a bonus for *any* United co-branded credit card (e.g., United Quest Card, United Club Infinite Card) within the last 24 months. This rule is distinct from the 5/24 rule and focuses specifically on bonus eligibility within the United card portfolio.
Special Events: N/A
Holiday Promos: N/A
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Strong sign-up bonus, valuable United travel perks like free checked bag and priority boarding, and good earning rates on travel and dining make it ideal for frequent United flyers.
Top Negative:
The annual fee can outweigh benefits for infrequent United flyers, and general spending earns only 1x mile, making it less versatile than some other travel cards.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- United Quest Card
- Capital One Venture Rewards Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $635.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: Effective Date: January 1, 2024
Last Updated: Jan 01, 2024 00:00