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CardPerks Rewards
CardPerks Rewards makes earning simple. Use your eligible United card(s) for everyday purchases and watch your points add up.
turn everyday purchases into cashback
with CardPerks Rewards
You’re already spending on the things you need. Why not get rewarded for it?¹ With CardPerks Rewards, qualifying purchases made with an eligible Visa® credit card automatically earn points that can be redeemed for cash rewards as they add up. Eligible card types include:
- U Rewards Visa® Signature Credit Card
- Commercial Visa® Credit Card
- Platinum Plus Visa® Debit Card
here's how it works
Earn
From gas to groceries and everything in between, earn reward points on your everyday purchases with no special categories or tiers to keep track of.
Redeem
As your points add up, redeem them for cash back deposited directly into the eligible checking, savings, or rewards credit card account of your choice.
Repeat
The more you use your card, the more you’ll earn! Once you reach the minimum redemption threshold, you can redeem your points as often as you’d like.
enrollment
Enrollment in CardPerks Rewards is automatic and lets you cash in on your everyday spending. Every purchase run as credit with eligible debit and credit cards earns you points to be used for cash rewards. There’s no need to sign up.
tracking points
From the Digital Banking home screen, you can quickly view your points balance, available points, and cash back amount. You can also access your rewards anytime by navigating to Services > CardPerks™ Rewards from the main menu.
CardPerks Rewards
Point Balance: 2,198
Additional Points Needed: 7,802
Available Cash Back: $21.98
(Sample Digital Banking CardPerks Rewards Tile)
earning points
The standard rate at which reward points are earned varies by card type, as follows:
redeeming points
Ready to redeem? Click here and log in to Digital Banking to go directly to your CardPerks Rewards dashboard.
Alternatively, you can also access your rewards anytime by navigating to Services > CardPerks™ Rewards from the main menu or contact us by phone at (888) 982-1400 to request a redemption.
CardPerks Rewards FAQs
No. Eligible cards are automatically enrolled in CardPerks Rewards when the account is opened.
United offers three card types that are eligible to earn CardPerks Reward points:
- U Rewards Visa® Credit Card
- Commercial Visa® Credit Card
- Platinum Plus Visa® Debit Card (no longer offered)
Ready to redeem your CardPerks Reward points? Simply log in to Digital Banking and find CardPerks Rewards under the Services menu, or click here for direct access.
You can also redeem by calling us at (888) 982-1400 or visiting any United branch during lobby business hours.
The easiest way to monitor your CardPerks Reward point balance is through Digital Banking. From the home screen, you’ll see a dedicated tile displaying your point balance, available points, and available cash back.
To access your rewards, simply select the tile or navigate to the Services menu and choose CardPerks™ Rewards.
The standard rate at which reward points are earned varies by card type, as follows:
- U Rewards Visa® Credit Card: Up to 1.5 points per $1 spent1,2
- Commercial Visa® Credit Card: 2 points per $1 spent1
- Platinum Plus Visa® Debit Card: 1 point per $3 spent1
Note: United may periodically offer special promotions that allow eligible cardholders to earn points at a higher rate.
Yes, but you’ll need to do quite a bit of spending to reach the limit. For all consumer CardPerks accounts, you can earn up to 35,000 points on Qualifying Purchases per calendar month. For Commercial Visa® accounts, the monthly limit increases to 70,000 points per calendar month. Points earned through bonus specials do not count toward these limits.
Yes. All unredeemed points will expire at the earlier of (i) the end of the twenty-fourth (24) month after the month in which such points were posted to the CardPerks Account, if no purchase was made using any of your enrolled cards associated with the CardPerks Account in any twenty-four (24) month period; or (ii) the end of the thirty-sixth (36) month after the month in which such points were posted to the CardPerks Account.
No. All qualifying purchases earn reward points at the same rate based on the card type used. The only exception is when a special promotion may offer an increased reward rate for purchases within a specific merchant category during a defined period of time.
First and foremost, there’s no need to worry. Your points won’t be forfeited or lost. Reward points are tied to your CardPerks Account, not to an individual card. If you need a replacement card for any reason, your new card will automatically begin earning points in addition to your existing account balance.
Note: When a card is closed for any reason, your CardPerks Account will temporarily appear as closed until your replacement card is activated. Your points will remain available during this time. If you need to redeem points before activating your new card, please call us at (888) 982-1400.
All redeemed cash back is deposited in near real-time to the account you specified in your redemption request.
We’re here to help! Our Member Service Center is available by live chat and phone at (888) 982-1400, Monday - Friday: 8:00 am to 9:00 pm ET and Saturday: 8:00 am to 4:00 pm ET.
If you need assistance (not available for redemptions) outside these standard business hours, AMP, our CardPerks vendor is available via phone at (866) 346-9916. They are available Monday - Friday: 6:00 am to 11:00 pm ET and Saturday: 6:00 am to 8:00 pm ET.
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All loans subject to credit approval. We may modify, restrict, or change the CardPerks Program at any time; your participation in the program after the changes have gone into effect constitutes your agreement to the changes, and you will be bound by the revised Terms and Conditions.
[1] Certain restrictions, limitations, and exclusions apply. Please refer to your CardPerks Program Terms and Conditions for further details.
[2] You will earn one (1) point for each $1.00 of a Qualifying Purchase made with your eligible enrolled Visa U Rewards credit card. Each month, you will earn an additional one half point (0.5) for each $1.00 of a Qualifying Purchase made in the prior month with your enrolled Visa U Rewards credit card when, in such prior month, (i) you are a borrower-cardholder for your eligible enrolled Visa U Rewards and are the Primary Cardholder on a United consumer checking account; (ii) such consumer checking account had at least one (1) direct deposit or ACH transaction posted; (iii) such consumer checking account was actively enrolled in eDocuments for the entire month; and (iv) a combined total of at least twenty (20) Qualifying Purchases with your enrolled card were made and/or signature-based (non-PIN) debit card transactions posted to such checking account.