Best Categories for This Card
United Airlines
Dining & Restaurants
Hotels & Lodging
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| United AirlinesMerchant | 7x | Ongoing | — | 9.45% |
| Dining & Restaurants | 2x | Ongoing | — | 2.70% |
| Hotels & Lodging | 2x | Ongoing | — | 2.70% |
Everywhere else | 1x | Ongoing | — | 1.35% |
Card details
- Network
- Visa
- Foreign transaction fee
- None
- Credit usually needed
- Good (about 670+)
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Downgrade options: United Gateway Card — a product change keeps your account history if this card stops earning its fee.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
Fees, benefits, and current offers change frequently. Visit Chase’s official page for the most up-to-date terms straight from the issuer.
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