Chase recently overhauled all of their United personal and business cards. Here are our previous posts: 1, 2, 3, 4.
I thought to review the rideshare and Instacart benefits added, as well as the existing DoorDash benefits. Readers can discuss further in the comments below.
- United Explorer ($150 annual fee; waived first year) –
- $5 in monthly statement credits for rideshare purchases paid with the card. Requires annual registration. Works for rideshare, tax, and limo services. Not valid on UberEats.
- 3 months of free Instacart+ membership; 25% off membership afterward. This benefit is valid through 12/31/27.
- $10 monthly credit for Instacart purchases. The credit will show in your Instacart+ account at the beginning of each month and will only be available for the remainder of the calendar month. This benefit is valid through 12/31/27. Note: you’ll only get this credit if you are an Instacart+ member (which costs after the first few months).
- All Chase United cards come with one free year of DoorDash Dashpass. Also get a $10 off coupon on DoorDash once per quarter which is only valid on non-restaurant orders. These benefits are valid through 12/31/27.
- United Quest ($350 annual fee) –
- $8 in monthly statement credits for rideshare purchases paid with the card. In December that increases to $12 (which brings the benefit up to $100 in annual value). Requires annual registration. Works for rideshare, tax, and limo services. Not valid on UberEats.
- 3 months of free Instacart+ membership; 50% off membership afterward. This benefit is valid through 12/31/27.
- Two monthly credits for Instacart purchases: one for $10 and one for $5. The credits will show in your Instacart+ account at the beginning of each month and will only be available for the remainder of the calendar month. This benefit is valid through 12/31/27. Note: you’ll only get this credit if you are an Instacart+ member (which costs after the first few months).
- All Chase United cards come with one free year of DoorDash Dashpass. Also get a $10 off coupon on DoorDash once per quarter which is only valid on non-restaurant orders. These benefits are valid through 12/31/27.
- United Club Infinite & Club Business ($695 annual fee) –
- $12 in monthly statement credits for rideshare purchases paid with the card. In December that increases to $18 (which brings the benefit up to $150 in annual value). Requires annual registration. Works for rideshare, tax, and limo services. Not valid on UberEats.
- Get free Instacart+ membership through 12/31/27.
- Two monthly credits for Instacart purchases paid with the card of $10 each. The credits will show in your Instacart+ account at the beginning of each month and will only be available for the remainder of the calendar month. This benefit is valid through 12/31/27.
- All Chase United cards come with one free year of DoorDash Dashpass. Also get a $10 off coupon on DoorDash once per quarter which is only valid on non-restaurant orders. These benefits are valid through 12/31/27.
- United Business ($150 annual fee) –
- $8 in monthly statement credits for rideshare purchases paid with the card. In December that increases to $12 (which brings the benefit up to $100 in annual value). Requires annual registration. Works for rideshare, tax, and limo services. Not valid on UberEats.
- 3 months of free Instacart+ membership; 25% off membership afterward. This benefit is valid through 12/31/27.
- $10 monthly credit for Instacart purchases. The credit will show in your Instacart+ account at the beginning of each month and will only be available for the remainder of the calendar month.This benefit is valid through 12/31/27. Note: you’ll only get this credit if you are an Instacart+ member (which costs after the first few months).
- All Chase United cards come with one free year of DoorDash Dashpass. Also get a $10 off coupon on DoorDash once per quarter which is only valid on non-restaurant orders. These benefits are valid through 12/31/27.
- United Gateway ($0 annual fee) –
- No rideshare benefit.
- No Instacart benefit.
- All Chase United cards come with one free year of DoorDash Dashpass. Also get a $10 off coupon on DoorDash once per quarter which is only valid on non-restaurant orders. These benefits are valid through 12/31/27.
A few notes about the rideshare benefit:
- Uber Cash loads will work to trigger the rideshare benefit. (Note: minimum Uber load is $20.)
- Lyft cash loads will work to trigger the rideshare benefit. (Note: minimum Lyft load is $25.)
- Rideshare benefit only applies to US rides, not international.
- Currently the rideshare benefit registration needs to be done in the app or by calling in. It’s not yet available on the website.
- It works internationally. (As always, YMMV)
- You can use the rideshare credit for UberEATS via a family payment method: Setup a family account from one Uber account, add your eligible card as the default, and order Uber Eats from another account with the charge going to the family payment method. (hat tip to Dansdeals for this workaround)
Has anyone tried this with Uber’s courier service and if if that triggers the rideshare credit?
If I have GC in my uber account, does the $5(UA Explorer) credit stack with the GC or do I have to pay via UA Explorer card in order to get the $5 credit? thanks
When you buy a GC in the app or pay for a ride with your US card, you will see the $5 credit on your statement.
Might be helpful to some folks as I was having issues. I registered and paid with my United Club card but didn’t see a credit, assuming it was a $10 statement credit.
You need to go to https://www.instacart.com/p/chase-united after you add your card In order to “activate” the benefit. I realized this from doing it on the other Chase co-brands / Ink card.
Does the credit work on restaurant orders on Instacart?
Did you ever try this?
Charge would go through Uber Eats directly
No. Charge would go through Uber Eats directly
For the door dash $10 credit, I’ve added my united business credit to my profile; i have Dashpass from my business linked account, but when i tried to check out at a 7-11 i don’t see the $10 discount. Did i need to have dash pass activated through a person sub, or through the CC?
If one holds the Club Card and the Business card is there a way to use the Instacart credit from all cards on one account?
I have three United cards and was able to use the two credits from my Club and I just signed my Business and Explorer up and I am able to see two more United $10 credit. Strangely enough my membership is now extended until July 2028… Time will tell if that is the case.
Free term-lengths stacked for sapphires and freedoms, so it’s good to see that appears to be continuing here. I’m not interested in using these credits over 3 months but it might be worth it to use them occasionally over a year+.
DP: Got credit for a subscription to capital bikeshare. I’d assume it would also work for single trips and day passes, and possibly other bikeshare programs.
This is an awesome DP–thanks!
DP: Got credit for Biketown bike/scooter share (Portland, OR). My assumption is this will work for any of the bikeshares shown in the Lyft app, as long as you actually use the Lyft app to unlock the bike and pay for the ride.
I was initially going to can el my card, but I can confirm that if you use your United Quest card to add $20 (minimum) to your Uber balance, you receive the $8 credit, which can be used for Uber eats as well. I don’t use Uber much but several times a year I use them to go to and from the airport. This makes the credit much more valuable and the card worth keeping. If you add this to the $200 United travel bank plus the 10,000 miles per year the card gives you $400 of value.
I believe the10K mileage discount is only after $20K purchase. However, there is $150 hotel credit.
The travel bank credit is only good for one year. Hardly worth $200 in my opinion. It can also only be used on domestic flights.
Not sure when if they changed the policy but I was able to use the travelbank for an international flight departing abroad and flying to the US.
The Travel Bank policy is that it is only usable on United flights, not partner airlines. But whether it is a domestic or international United flight does not matter.
You can work around the first limitation by first buying any United flight with Travel Bank, waiting 24 hours to cancel it and get flight credit back. Then you can use flight credit on partner airlines. The usual downside to this approach, for “normal” Travel Bank credit, is you put those funds on a 1-year expiration cycle instead of the 5-year expiration cycle. But since these promo Travel Bank credits are only for a year anyway, it does not really matter.
How long does it take for an $8 credit to post after adding $20 using a Quest card? I also added $20 with an Infinite card and will see if the additional $12 credit posts.
Where amis the $20 minimum spelled out to trigger the $8 credit
Nowhere, but you can’t reload Uber Wallet withess than $20.
Rideshare and especially Instacart credit, unless you already use those services already and you are fine with Instacart markup of more than 15% on each item compared to in-store, they are useless. Really want to pay that much more for convenience and not getting everything and not what you might have gotten in the store?
Rideshare apps possibly have markup on gift cards such as Uber that you buy in Costco etc, but United card gives cashback so possibly it’s better option? Or would Uber mark up the prices here too?
Instacart is not entirely useless. Some stores allow for the pickup option on Instacart. There’s still a markup, but at least no delivery charge/tip needed. Sometimes Instacart has coupons that can be stacked as well.
And I guess for the very wealthy/very busy/disabled, the convenience is worth the markup.
UPDATE DP (data point): New United Rideshare (Biz) credit DOES WORK INT’L
Worked on Grab rideshare (Singapore based rideshare app but in available various other countries).
This was P2 using AU card in GRAB app in Manila 🇵🇭 yesterday. $8.88 ride – $8 credit
I am also curious if Grab food deliver would work as well – Earned 2X
Another DP Parking in Vancouver, BC 🇨🇦 earned 2X UA miles – so its seems the Transpo 2X (Biz card) is fairly broad will see if EV charging also.earns 2X.
United Hotels booking For Manila on morning.of refresh. $50 Credit was showing till following day (both charges were still pending and not posted till Thursday.
@Chuck
For the United Hotels credit, I’m surprised you got it that fast! Does it work on a 1-night stay? For example, if I had 3 nights and broke it into 2 nights and 1 night, would that work to trigger both $50 credits?
Only booked a single night stay in Manila it was $64.39 with Breakfasts, late check-out and $50 credit posted folling day (both were pending) it was a non-refundable rate..
I don’t see why you couldn’t do back to back – unless its like Amex and semi-annual (evey 6 months) I don’t remember seeing that in fine print but also wasn’t looking.
Yes it would
Thanks for answering! I just booked the one night for now but I received the $50 credit pending on my account. I had actually booked the hotel Saturday morning but it is still pending even now. The pending $50 credit showed up on Monday. When should I expect both transactions to no longer be pending?
This is awesome. I am travelling to Singapore on Apr 10, can add more data points for this.
It works on Uber India rides as well
DP on Rideshare credit: $20 Uber Cash on United Biz Explorer charged on 3/26/2025 credited today (3/28/2025) for $8 ($8 is the normal monthly credit for rideshare credit on Biz Explorer)
Hotel DP for United Biz explorer: Booked 2 $60 hotels on United portal and $50 credit for each one posted as soon as the charges posted the next day.
So you can buy Uber Cash and get the credit and then use that uber cash for Ubereats?
Yes, Uber Cash has long been usable for UberEats.
Wow am surprised the credit showed up that fast! These were just one-night stays, correct?
Yes, 1 night stays.
How long have you had the card? The terms state, “Receive $50 back as a statement credit on both your 1st and 2nd prepaid hotel stays purchased directly through United® Hotels with your United℠ Business Card, up to $100 each anniversary year.” Curious if I’d receive a statement credit since I’ve had the card less than a year?
Card obtained late December 2024 (so about 3 months at the time I received the first credits). I think $100 per anniversary year is the rule. So I won’t get another set of rideshare/hotel credits till after late December 2025.
Do you happen to know the minimum Lyft cash load? You said the minimum Uber load is $20, but didn’t say the minimum for Lyft.
It’s $25. Fixed in the post now.
Have INT’L rideshare and on AU card successful DP here:
https://www.doctorofcredit.com/chase-united-cards-add-instacart-rideshare-credits-discussion-post/#comment-2033722
Updated and clarified a bunch of things in the post now. Thanks all
Does the doordash $10 off coupon work on doordash third-party gift card?
Nope
the doordash 10 off shows up in the doordash app and it functions as a coupon. No statment credit/refund
Do the doordash credits stack with multiple cards or is it one credit per transaction?
They do not stack. On other Chase freedoms, I had to open multiple Doordash accounts
anyone tried this with Sapphire reserve? It apparently has a doordash credit, which I’ve never used, but now the United card does too… so does this mean 3/4 separate coupons that has to be used across separate transactions?
CSR is being more worthless despite their inflated fee
What do you mean, now the United card does too? All Chase cards have had the Doordash credits for awhile (CSR added a second monthly one this year). I used the quarterly one on United in Q4 and Q1.
ah, I’ve never used doordash benefit. It’s one of the companies that should not exist, imo. Now, I’m forced to consider it to justify CSR AF.
Agree that it is a useless company for a lot of people. I just pick up a couple cases of water from Dashmart each month for a dollar (and P2 once a quarter). I am on a free AF year of CSP so it’s just a extra bit for me. I have a hard time justifying CSR unless I’m traveling.
Never flown united but was interested in the business card when the into bonus went up to 100k points. Almost always fly Delta out of MSP but that bonus was too high to overlook. Before this, I couldnt imagine holding the card long term though as it didn’t offer much for someone who might only fly on their airline once or twice a year. Now, 125k bonus, the 220 in rideshare/instacart credits, the club passes, and the potential hotel credits at a $55 annual fee hike gives me the impression I can at least break even with the card should I not fly at all. This is a similar to how I view the Delta card changes and why I now hold the platinum business.
Do you work for chase?
probably in the prompt engineering dept
I was going to close the Delta Biz Gold after using up.most of.pur miles 15% last year before refresh – the Plat/Reserve CP was to hard to use and only lower 48..
But upgradedback to Biz Plat after Refresh the $200 Delta stays (Calendar year – figured just double-dip it).
But have been banking ride share with Lyft. (also get $50 Uber Amex credits monthly) – I’m sometimes finding Lyft cheaper than Uber.
I actually have been using the monthly $10 Resy credit (sometimes on same.meal.as the $50 Resy Gold credits (2 cards). The CP has actually been easier to use.
That said I also have UA Quest and got the UA Biz last month (no match to 125K via SM). But the new credits are easy to use amd credits post fast.
We also earned the SW CP in January (the one card promo that ended 9.16.2024).
We are covered for lounges Amex Plat, VenX (1 Chase Sapphire visit per year), USB AR (8* $28 F&B at PriortyPass credit per card member year). We also get 10X Delta visits from Amex Plat and 2 UA club visits from Biz card – we typically. Fly UA domestic at least 1X year – the rest typically UA Polaris or Partner so we have lounge access that way (but occasionally partner contracted lounges are just meh.
We also have PP memeberships from some other cards (I do wonder if they also offer 1X Chase lounge visit- would have to manually setup and login to each account just to use – but TBH have yet to visit a city with a Chase lounge – but we made 55ish airport lounge visits last year between US/Asia/Ocenia and EU. So we got good use out lounge access last year – don’t have as many flights booked this year and mainly US/Canada/Caribbean.
Looks like Uber loads are now $20 min. Any easy ways to use $8 credit without loading $20?
When are these credits active?
Is it possible to add the Insta+ free months to my current sub (which is from the Freedom benefit last year)? Last year you could add all your Chase Freedom free months together to get a mega subscription.
Yes, I did it.
iiuc the instacart credits aren’t actually statement credits, they’re credits at checkout time on instacart, if you’ve done the special little process to register your card for the benefit with them
I wonder if the rideshare statement credit works on Uber One monthly fees?
Instacart’s documentation says that the instacart monthly credits are only given to those with an instacart plus membership. If that’s true it’s kind of an unfortunate benefit for the cards that only give you instacart plus for 3 months like the business.
I was able to Instacart+ membership with the United Club card (anniversary was Dec), and also shows I have a credit, which is applied when you order (like Uber Eats does it with Amex) and not after you paid.
I did a add funds on Uber, lets see if I get a credit.
Adding these to my DONT EVER GET card list… along with all Amex cards.
Amex does have some nice signup bonuses and do give retention offers. To keep cards long term, yes, need to make sure you use the coupons anyway, and is not forced spending something you usually don’t do.
Chase does also give retention offers (got that for the quest once).
Pre loading Lyft works for statement credit. Lowest amount to load is $25.
Finally figured out how to activate rideshare on iPhone. Had to navigate to benefits via a UR card (CSP, CIC, CFF), then from there switched to UA card, then I could activate. So dumb the benefits view from UA card doesn’t work!
That’s probably on purpose
I did this, and I still don’t see anything to activate? (I still just see “Credit Card Benefits” menu that, when I select the rideshare benefit, tells me to “activate through the Chase Mobile App” or call the number on the back of my card…)
The app’s main menu has three buttons: Accounts, Pay & collect, and Benefits & travel. Select Benefits & travel and in the drop-down menu select your United cards and you will see the activate button.
I kept doing that without success. Turned out, I needed to update my app. ¯\_(ツ)_/¯
Thank you! I’ve been trying to find the activate button for days now. Updating the app right now.
I’m trying to decide whether it’s a better value to keep Explorer or upgrade to Quest. I’ll keep a United card of some kind for bags and, especially, to make basic economy suck less.
Managing coupons has become exhausting. Grab the SUBs then punt.
I was planning to close United Quest anyway, but maybe worth waiting the benefits to kick in. When will these be added to an existing cc holder?
Biggest change for the Gateway card: Beginning August 1, 2025, Cardmember pricing on award travel redemption will only be available after spending $10,000 in purchases each calendar year.
“ Starting May 1, 2025, the way you can use one-time passes will change in a few ways:
• You can enter United Club locations up to 3 hours prior to your United or Star Alliance partner flight’s scheduled departure time (no time limit on connecting flights).
• One-time passes will be valid only at standard United Club locations, and will no longer grant access to locations like United Club Fly.
• If you received one-time passes as part of our MileagePlus® co-brand credit card benefits, these passes can only be redeemed by the primary cardmember, authorized user, or their accompanied guests so long as the primary cardmember or authorized user is present.”
You want to mention this change too! I can gift my friend United Club Pass anymore
Biz card Instacart $10 monthly is not a statement credit. It’s supposed to show in the app at beginning of month. From T&C:
“The monthly credit will be made available to you in your Instacart+ account at the beginning of each month and will only be available on that platform for the remainder of that calendar month”
Ahh, my mistake. I’ll update the post, thanks
Rideshare credit is a joke. AE Platinum has the same language. Only in the USA. Well, for those of us who don’t use rideshare in the USA but use it lot for international travels, this is no bueno.
Does anyone know where the language that makes it only in the USA? I’m in the same boat that I’d only want to use the benefit when abroad.
I have an Explorer card. I’ll be a little off topic: I don’t care for instacart, DoorDash, and rideshare is meh. I value all these at $0.
But I’ve already made two hotel registrations via United hotels for the new benefit. One hotel was the same price as direct while another was $25 more expensive than direct. So i am valuing the $100 hotel credit anywhere from $50 – $100.
Dare I say it? I am at worst at a wash or at best coming out ahead due to changes.
Additional notes:
I’m also assuming the CSR will get these rideshare/Instacart credits too, alongside an AF bump to $695 like the Club card. CSP will probably go up to $150 if the United changes are any indication of what’s to come.
Added some of these notes, thank you
Where do I register for the rideshare credit in the app? Is Instacart a statement credit or does it add to Instacart balance once enrolled? Terms are unclear to me
I wrote in the post that it’s a statement credit, that’s my understanding from what I’ve read.
Added a note about registering for the rideshare benefit in app.
If you just have a regular instacart account you don’t get the credit. At least that’s what it says on the instacart website, although the wording on chase implies otherwise that it is a statement credit. If this really is the case, people who don’t have one of the club cards and won’t keep their membership past 3 months will only get 30 dollars of value there.
The app is saying enroll in the app, but there isn’t an option for rideshare.
See Esquiar’s solution above. Best of luck.
any benefits for no annual fee version?
Nope. I’ll add a section for the Gateway card since people are asking about it.
Some things on this page are inaccurate.
You wrote:
That doesn’t apply to the no-AF United Gateway card, per a card comparison I just did on the Chase website, which says rideshare benefits are available on the Explorer card but not on the Gateway card.
And you forgot to list the United Gateway card at all above. Even if the United Gateway card doesn’t come with these rideshare benefits, that should be explained above.
I believe the Doordash benefit is on the Gateway card. I left off the Gateway card since it doesn’t have rideshare and Instacart benefits.
Boo! We did not want higher annual fees, more restrictive lounge access, or coupon-book-style credits like this. That said, I’ll still churn these cards for the sign-up bonuses, then attempt retention offers, before ultimately closing the cards after 12-months, until they stop that ‘game.’ Rinse and repeat.
You close the cards after 1-2 months?
Does Chase not mind if you are clearly churning? I’ve seen others say you have T I wait a year?
You might want to re-read – pretty sure they said “12-months”
Thank you,
HW. You are correct.
As far as Chase’s anti-churning rules, depending on the card product, you often need to wait 24-48 months before eligible to earn bonuses again.
I follow those rules, religiously. And personally, I do consider that ‘game’ to be a form of ‘churning.’ Like, even over a 4 year period, to rotate each of these United card’s sign-up bonuses–I’ll ‘churn’ that.
So-called ‘churning’ is not illegal–but, yes, the banks don’t like it– card issuers would prefer that we earn no bonus, keep the cards forever, pay higher annual fees, and use no benefits that cost them anything.
I haven’t forgotten that banks are businesses, not charities. Likewise, we consumers can often be gullible, yet some of us are not. Be vigilant.