Overall card rating

3.9
106 Reviews
from Intuit Credit Karma members

Most helpful positive review

Mar 15, 2018
Primary Insurance on Rental Cars!
Credit Karma Member

This card is fantastic for the rental car coverage, if you ever need it! That benefit is quite rare among card issuers, indeed. In January 2017, while driving an Enterprise car I was involved in a weird, unavoidable accident. Enterprise decided I was at fault and billed me for the totaled vehicle - nearly $12,000. Because I had used this card when reserving the car, and had also turned down Enterprise's daily insurance, I was covered fully by Chase. The process to take advantage of the coverage isn't difficult and the service representatives are very professional. They didn't require me to use my own car insurance first - Chase's insurance benefit was primary up to the full value of the car. I chose to charge the Enterprise damage bill on the Chase card itself, and then submitted documents for reimbursement. This gave a nice boost to my reward points! Applying for and getting the card was pretty easy, too, and there are no foreign transaction fees. I've had this card for almost 8 years.

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Most helpful negative review

Jun 23, 2022
What a joke
Credit Karma Member

I currently have an 820 credit score. I have applied for this card twice while trying to book plane tickets, because I wanted to take advantage of their statement credit options, and both times I've been denied because I have opened too many cards.

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Member ratings

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All member reviews (106)

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21

Oct 11, 2023
Benefits only help certain people
Credit Karma Member

I have 70k miles after having this card about 6 months. Every time I try to use the miles, United either doesn't travel to that country or the price of the simple ticket gobbles up all points for a simple short trip. Also, they say the annual fee coverts the "Annual united lounge passes you get but unless you are staying at a United hub-based airport for a while, there United lounges are hard to come by. Again, not good. Where are my benefits. Maybe I just need a different card.

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Sep 30, 2023
Really?
Credit Karma Member

Over 800 Fico score. Already had Chase Southwest CC which I have had for 5 years and pay off my balance monthly. Denied the United card for some reason. Only have 3 CC’s total none of which I carry a balance. Closed my one and only Chase card for good. Will no longer do business with them.

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Jul 18, 2023
This is the worst card ever
Credit Karma Member

I had this card for a while but one thing made us to cancel it and don’t use it anymore. Last summer we traveled to Greece and try to rent a car but we found some thing wrong on this car, so we decided don’t use it, but we already gave them my credit card number, so even we don’t rent this car but they still charged us, we disputed charge but they still charged back, we called credit card company several times but they still charged us, the credit card company don’t even protect the customer and help cheating company. So we cancelled card and don’t use any Chase credit card anymore

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Jun 23, 2022
What a joke
Credit Karma Member

I currently have an 820 credit score. I have applied for this card twice while trying to book plane tickets, because I wanted to take advantage of their statement credit options, and both times I've been denied because I have opened too many cards.

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Oct 16, 2021
Easy points and PQP
Credit Karma Member

This card offers a lot of point perks that aren’t often discussed. I especially love the bonus points for dining and shopping online. You can add United MileagePlus shopping to your browser and it automatically alerts you and applies the code if there are bonus points available on a website. Same thing with MileagePlus dining…. Eat at a restaurant on the program and you get bonus points. All points are added to my United account so they are super easy to use. Don’t forget you also earn PQP when you hit milestones in spending. If you travel united this card is 100% worth it.

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Oct 03, 2021
Simple and Awesome
Credit Karma Member

I've had this card for close to 2 years now and my only regret is that I didn't have it for my past travels. I know I could've had much more benefits had I known about it earlier. I am an experienced and well traveled person. It was hard for me to find the right card to match up with my travels and expenses to get the max rewards. This card is a must for someone traveling with United or just traveling. A+

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Sep 05, 2021
CK said my odd is poor, but...
Credit Karma Member

I got approved in seconds right after applied with 12K CL. Own it for 1+ month now. Very satisfy in every way.

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Jul 06, 2021
Got Less Miles Than Originally Offered
Credit Karma Member

I got approved for the 60000 miles for $3000 in purchases offer. I sent a secure message through Chase asking about it and they told me I'm only getting 40000 miles! What a rip-off. They won't answer my questions or read anything I'm saying. They just copy and paste the same responses. Horrible communication skills.

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May 22, 2021
Expiring miles unfair million mile flyer downgrade
Credit Karma Member

Same here, and on top of that I have had this card in the past and my partner was a million mile flyer which meant I would also hold the million mile flyer level (for life even if my partner passes away) not even a month after my partner passed away the million mile flier position was taken from me and when fought back they went and changed the terms and agreements on me. They also claim your points NEVER EXPIRE but they do! Come to think of it I’m was told to report them the the BBB about the issue and I think I will!

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Feb 03, 2021
Horrible card. Raises interest rate for no reason.
Credit Karma Member

I've had this card for years. There is very little, if any savings on travel. Miles expire. The worst thing is that they slowly raise your interest rate for no reason. My credit score is in the high 700's and they just raised my rate to %29.99! Would not recommend getting this card.

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