Update, 3/31: Despite advertising that the consumer Quest and Club card bonus PQPs wouldn’t start posting until March 2026, both bonuses posted to my United account today!
That also answers my question about whether one person could receive both of those bonuses. Still unanswered is whether one person can receive more than 1 of each of these bonuses. If you have more than one of the consumer Quest or Club card, let us know your results!
Did you get PQP bonuses today?
And yes, I’m always checking for mileage price drops and will rebook even if it’s just 300 miles. 

Update, 3/25: This post has been updated with additional information about the Gateway, Presidential Plus, Awards, Select, and JPMorgan Reserve cards.
The Pay Yourself Back feature for the card’s annual fees will drop from 1.5-1.75 cents per mile to 1.35-1.5 cents per mile, though Chase and United were unable to provide a breakdown by card. If you are charged the new annual fee, please post a comment with the new Pay Yourself Back rate.
You can now register for the rideshare credit in the Chase app. You have to register for this benefit annually on each eligible card.
Originally posted on 3/24:
United is making big changes to its club access and credit card portfolio, copying a lot from Delta’s recent club changes and AMEX benefit changes, though not everything.
The card links in this post are not currently active, but will be working later today.
If the cards resemble AMEX coupon books, there’s good reason for that. Those changes have been wildly successful and we’ll likely continue to see annual fees go up, while cards give back in the form of “coupon books” that can provide excellent values if you jump through some hoops and stay engaged with the cards.
These new card benefits begin today for new and existing cardholders. The new annual fees apply for new cardholders as of today.
Existing cardholders will pay the increased annual fee at the next renewal on or after 8/1/25, except for existing United Explorer cardholders who will pay the increased annual fee at the next renewal on or after 1/1/26.
United Club changes for non-cardholders
United Club membership previously cost $650 annually for non-elites, Silvers, or Golds, $600 for Platinums, or $500 for 1Ks. It included 2 adult guests, or 1 adult guest, and all dependent children under 21. It also included access to Star Alliance lounges.
Current members will receive those benefits until their next renewal date.
Effective today, United Club Individual membership no longer includes guest access or Star Alliance lounge access. Membership will now cost $750 annually.
That’s a brutal change, but doesn’t come as a big surprise after Delta did the same thing. The bigger problem is that United isn’t making any promises to match the quality of Delta clubs.
United will also sell United Club All Access membership for $1,400 annually for non-elites, Silvers or Golds, $1,300 for Platinums, $1,200 for 1Ks, or $1,000 for Global Services members. It includes 2 adult guests, or 1 adult guest, and all dependent children under 18. It also includes access to Star Alliance lounges.
Members with United Lifetime Club memberships will receive lifetime United Club All Access membership. It appears that United will lower the free dependent children age from 21 to 18 for lifetime members as well, despite lifetime members being sold a membership that was supposed to include free dependent children under 21. That’s highly unfortunate, but I am happy to see that those memberships will be converted into All Access memberships. Note: United is currently looking into whether lifetime members will be subject to the change in dependent children age.
Club memberships provided by United credit cards differ from these levels, and those changes are described below.
United Gateway card changes
United Gateway℠ Card
The good:
- Cardholders will receive 2 free checked bag coupons after spending $10,000 in a calendar year.
The bad:
- On 8/1, cardholders will lose the ability to take advantage of expanded award space and cardholder award discounts, unless they spend $10,000 in a calendar year.
United Explorer card changes
United℠ Explorer Card
The good:
- Cardholders will get $5 in monthly statement credits for rideshare purchases paid on their card, a value of up to $60 annually. Rideshare is valid for Taxi, limo, and rideshare and requires annual registration. Not valid on UberEats.
- Cardholders will get a $50 statement credit, up to twice per year, on hotels booked through United paid on their card, a value of up to $100 annually.
- Cardholders will get $25 in United TravelBank cash, up to twice per year, for Avis or Budget rentals paid on their card, a value of up to $50 annually. TravelBank cash is valid for United travel and expires 1 year from deposit date.
- Cardholders will get up to $100 in statement credits on flights booked from JSX on their card. JSX offers semi-private flights with Starlink service.
- Cardholders will get 3 months of free Instacart+ membership, and 25% off membership afterward. Benefit expires 12/31/27.
- Cardholders will get $10 in monthly credits for Instacart purchases paid on their card, a value of up to $120 annually. Benefit expires 12/31/27.
- Cardholders will earn 5 total miles per dollar on hotels booked through United.
- Cardholders will earn $100 United TravelBank cash after spending $10,000 in a calendar year. TravelBank cash is valid for United travel and expires 1 year from deposit date.
- Cardholders will earn a 10,000 miles award discount after spending $20,000 in a calendar year.
The bad:
- The annual fee will climb from $95 to $150.
- The card’s 2 free annual one-time use United Club passes will only be valid when the primary or secondary card user is present.
- Previously, premier members with an Explorer card were eligible for upgrades on award tickets. That benefit is ending on the Explorer card only, on 8/1/25.
United Quest card changes
United Quest℠ Card
The good:
- Cardholders will get 1,000 PQPs annually just for being a cardholder, starting in 2026. Card must be open by 12/31 of the previous year.
- Cardholders can now earn 1 PQPs for every $20 spent, up to an annual cap of 18,000 PQPs for $360,000 spending. That’s up from 9,000 max PQPs previously and is now enough to earn Platinum status.
- Cardholders will earn $200 in United TravelBank cash automatically after card opening and on every card anniversary. TravelBank cash is valid for United travel and expires 1 year from deposit date.
- Cardholders will get $8 in monthly statement credits ($12 in December) for rideshare purchases paid on their card, a value of up to $100 annually. Rideshare is valid for Taxi, limo, and rideshare and requires annual registration. Not valid on UberEats.
- Cardholders will get an annual $150 statement credit on Renowned Hotels and Resorts paid on their card.
- Cardholders will get $40 in United TravelBank cash, up to twice per year, for Avis or Budget rentals paid on their card, a value of up to $80 annually. TravelBank cash is valid for United travel and expires 1 year from deposit date.
- Cardholders will get up to $150 in statement credits on flights booked from JSX on their card. JSX offers semi-private flights with Starlink service.
- Cardholders will get 3 months of free Instacart+ membership, and 50% off membership afterward. Benefit expires 12/31/27.
- Cardholders will get $10 and a $5 monthly statement credits for Instacart purchases paid on their card, a value of up to $180 annually. Benefit expires 12/31/27.
- Cardholders will earn 5 total miles per dollar on Renowned Hotels and Resorts.
- Cardholders will earn a 10,000 miles award discount automatically every card anniversary.
- Cardholders will earn another 10,000 miles award discount after spending $20,000 in a calendar year.
- Cardholders will earn 2 global Economy Plus seat upgrades after spending $40,000 in a calendar year.
The bad:
- The annual fee will climb from $250 to $350.
United Club card changes
United Club℠ Infinite Card
Currently, cardholders get a full United Club membership. That comes with 2 free adult guests or 1 adult guest and all dependent kids under 21. It also comes with Star Alliance lounge access.
Effective on your next card renewal after 8/1, that will go down to just 1 free adult guest plus all dependent kids under 18. The option for 2 adult guests or kids aged 18-20 will go away. Star Alliance lounge access will also go away.
However, if you have this card and spend $50,000 in a calendar year, or if you have this card and United Gold status, you will be upgraded to United Club All Access membership. That will get you 2 free adult guests or 1 adult guest and all dependent kids under 18. It also comes with Star Alliance lounge access.
If you have a free authorized user on the account and earn United Club All Access membership, you’ll also get 4 one-time use United Club passes, though these will only work if the primary or secondary cardholder is present.
The good:
- Cardholders will get 1,500 PQPs annually, just for being a cardholder, starting in 2026. Card must be open by 12/31 of the previous year.
- Cardholders can now earn 1 PQPs for every $15 spent, up to an annual cap of 28,000 PQPs for $420,000 spending. That’s up from 15,000 max PQPs previously and is now enough to earn 1K status.
- Cardholders will get $12 in monthly statement credits ($18 in December) for rideshare purchases paid on their card, a value of up to $150 annually. Rideshare is valid for Taxi, limo, and rideshare and requires annual registration. Not valid on UberEats.
- Cardholders will get an annual $200 statement credit on Renowned Hotels and Resorts paid on their card.
- Cardholders will get $50 in United TravelBank cash, up to twice per year, for Avis or Budget rentals paid on their card, a value of up to $100 annually. TravelBank cash is valid for United travel and expires 1 year from deposit date.
- Cardholders will get up to $200 in statement credits on flights booked from JSX on their card. JSX offers semi-private flights with Starlink service.
- Cardholders will get complimentary Instacart+ membership through 12/31/27.
- Cardholders will get two $10 monthly statement credits for Instacart purchases paid on their card, a value of up to $240 annually. Benefit expires 12/31/27.
- Cardholders will earn 5 total miles per dollar on Renowned Hotels and Resorts.
- Cardholders will earn a 10,000 miles award discount after spending $20,000 in a calendar year.
- Cardholders will earn another 10,000 miles award discount after spending $40,000 in a calendar year.
The bad:
- The annual fee will climb from $525 to $695.
- Club access rules, as noted above.
United Business card changes
Chase United Business Card
The good:
- Cardholders will get $8 in monthly statement credits ($12 in December) for rideshare purchases paid on their card, a value of up to $100 annually. Rideshare is valid for Taxi, limo, and rideshare and requires annual registration. Not valid on UberEats.
- Cardholders will get a $50 statement credit, up to twice per year, on hotels booked through United paid on their card, a value of up to $100 annually.
- Cardholders will get $25 in United TravelBank cash, up to twice per year, for Avis or Budget rentals paid on their card, a value of up to $50 annually. TravelBank cash is valid for United travel and expires 1 year from deposit date.
- Cardholders will get up to $25 in statement credits when you buy United FareLock on your card.
- Cardholders will get up to $100 in statement credits on flights booked from JSX on their card. JSX offers semi-private flights with Starlink service.
- Cardholders will get 3 months of free Instacart+ membership, and 25% off membership afterward. Benefit expires 12/31/27.
- Cardholders will get $10 in monthly credits for Instacart purchases paid on their card, a value of up to $120 annually. Benefit expires 12/31/27.
- Cardholders will earn 5 total miles per dollar on hotels booked through United.
- Cardholders will earn $125 United TravelBank cash after making 5 $100+ United flight purchases in a calendar year.
- Cardholders will earn 2 continental US Economy Plus upgrades after spending $25,000 in a calendar year.
- Cardholders can now earn 1 PQPs for every $20 spent, up to a maximum of 4,000 PQPs for $80,000 spending. This up from 1,000 max PQPs.
The bad:
- The annual fee will climb from $99 to $150.
- The card’s 2 free annual one-time use United Club passes will only be valid when the primary or secondary card user is present.
United Business Club card changes
Chase United Business Club Card (Click on apply now to reach this card application)
Currently, cardholders get a full United Club membership. That comes with 2 free adult guests or 1 adult guest and all dependent kids under 21. It also comes with Star Alliance lounge access.
Effective on your next card renewal after 8/1, that will go down to just 1 free adult guest plus all dependent kids under 18. The option for 2 adult guests or kids aged 18-20 will go away. Star Alliance lounge access will also go away.
However, if you have this card and spend $50,000 in a calendar year, or if you have this card and United Gold status, you will be upgraded to United Club All Access membership. That will get you 2 free adult guests or 1 adult guest and all dependent kids under 18. It also comes with Star Alliance lounge access.
If you have a free authorized user on the account and earn United Club All Access membership, you’ll also get 4 one-time use United Club passes, though these will only work if the primary or secondary cardholder is present.
The good:
- Cardholders can now earn 1 PQPs for every $15 spent, up to an annual cap of 28,000 PQPs for $420,000 spending. That’s up from 15,000 max PQPs previously and is now enough to earn 1K status.
- Cardholders will get $12 in monthly statement credits ($18 in December) for rideshare purchases paid on their card, a value of up to $150 annually. Rideshare is valid for Taxi, limo, and rideshare and requires annual registration. Not valid on UberEats.
- Cardholders will get up to $50 in statement credits when you buy United FareLock on your card.
- Cardholders will get an annual $200 statement credit on Renowned Hotels and Resorts paid on their card.
- Cardholders will get $50 in United TravelBank cash, up to twice per year, for Avis or Budget rentals paid on their card, a value of up to $100 annually. TravelBank cash is valid for United travel and expires 1 year from deposit date.
- Cardholders will get up to $200 in statement credits on flights booked from JSX on their card. JSX offers semi-private flights with Starlink service.
- Cardholders will get complimentary Instacart+ membership through 12/31/27.
- Cardholders will get two $10 monthly credits for Instacart purchases paid on their card, a value of up to $240 annually. Benefit expires 12/31/27.
- Cardholders will earn 5 total miles per dollar on Renowned Hotels and Resorts.
- Cardholders will earn 5,000 miles annually if they have this card and a personal United card.
- Cardholders will earn 2 global Economy Plus seat upgrades after spending $40,000 in a calendar year.
The bad:
- The annual fee will climb from $450 to $695.
- Club access rules, as noted above.
United Awards card changes
This is a grandfathered card, it is not available for new cardholders.
The good:
- Cardholders and one companion traveling on the same reservation will each receive your first checked bag free on United operated flights when you pay with your card.
The bad:
- The annual fee will increase for renewals as of 8/1 from $65 to $95.
Presidential Plus card changes
This is a grandfathered card with consumer and business versions, it is not available for new cardholders. Lifetime United Club members will continue to pay a $100 annual fee for this card going forward.
The good:
- Cardholders can now enroll in IHG Platinum status.
The bad:
- The annual fee will increase for renewals as of 8/1 from $450 to $600.
Currently, cardholders get a full United Club membership. That comes with 2 free adult guests or 1 adult guest and all dependent kids under 21. It also comes with Star Alliance lounge access.
- Effective on your next card renewal after 8/1, that will go down to just 1 free adult guest plus all dependent kids under 18. The option for 2 adult guests or kids aged 18-20 will go away. Star Alliance lounge access will also go away.
However, if you have this card and spend $50,000 in a calendar year, or if you have this card and United Gold status, you will be upgraded to United Club All Access membership. That will get you 2 free adult guests or 1 adult guest and all dependent kids under 18. It also comes with Star Alliance lounge access.
If you have a free authorized user on the account and earn United Club All Access membership, you’ll also get 4 one-time use United Club passes, though these will only work if the primary or secondary cardholder is present.
United Select card changes
No changes.
JPMorgan Reserve card changes
The JPMorgan Reserve card is offered to JPMorgan account holders. It currently provides full United Club membership. That comes with 2 free adult guests or 1 adult guest and all dependent kids under 21. It also comes with Star Alliance lounge access.
The bad:
- Upon next card renewal, this will change to an individual United Club membership, with no free guests and no option to upgrade to All Access.
Ultimate comparison chart
Head spinning?
Here’s a chart of the currently available cards to make sense of it all:
Dan’s quick thoughts
That’s a lot to process!
Obviously, the club changes are most unfortunate. Paying significantly more for less is always going to sting.
Higher card annual fees are also never fun, though the writing was on the wall once Delta raised its fees and baggage fees climbed.
I have mixed feelings about these “coupon book” offerings. It’s great that they can often cover the cost of the annual fee, but they can also be a nuisance to maximize.
- I did fly JSX once and loved it, so there may be value there.
- The Renowned Hotels and Resorts and United Hotels credits may also be of value.
- Avis and Budget credits will be good for people who rent from them.
- The rideshare credits are going to be a bit of a nuisance, but if you use ridesharing that will be a nice perk. We’ll have to see if these can used for any food delivery options or gift cards.
- Instacart membership and credits should be useful as well.
- And award discounts and TravelBank cash are good, though TravelBank cash expires after a year.
The cards do become a lot more useful for elite status, which can finally be unlocked up to 1K for spending on one card. Plus, starter PQPs are a welcome perk to help earn status from your couch. Unfortunately, elite status isn’t nearly what it used to be, with upgrades that are hard to get even with top-tier status, though there are still some nice perks of status.
Overall, there will be winners and losers here, depending on how you value the new perks versus the higher annual fees.
What do you think of these changes? Which cards look most attractive to you after these changes?