Chase United Club Card: purchase protection
What the Chase United Club Card's purchase protection covers as its issuer summarises it, which cards with dated benefits list the same thing for a lower fee, and whether the card's rewards pay its fee before the benefit is counted.
Read this first
This list comes from each issuer's benefit summary, read on the month shown beside each card. Summaries leave out the exclusions, the claim limits per year and the conditions — often that the whole trip or purchase has to go on the card — so read the card's full guide to benefits before you rely on one. 64 of the 118 cards in the catalogue have no benefits recorded here yet and are left out, so a card missing from this list may still have it.
What the summary says
Purchase protection up to $10,000 per item for 120 days after you buy
Stated limit: up to $10,000 per claim, 120 days. That is the largest stated limit among the 34 cards here whose summaries give one for purchase protection.
Read from the issuer's benefit summary 2026-11.
Who it is worth it for
If purchase protection is the reason you are looking at the Chase United Club Card, the Amazon Visa lists it too, with no annual fee — $695 a year less. 33 cards here carry it for a lower fee in all. What the difference buys is the rest of the Chase United Club Card: its rewards and the other benefits below. Compare the two summaries before deciding they are the same cover.
On rewards alone, the illustrative household spending $2,205 a month (the assumption, in full) earns about $390 a year on the Chase United Club Card, or −$305 once its $695 fee is paid. So the rewards leave $305 of the fee for the card's credits and benefits — this one among them — to make up. It is worth it for somebody who would use enough of them, at face value, to cover that gap; credits are not priced here because they are worth their face only if you would have spent the money anyway.
Every card here with purchase protection
| Card | Annual fee | What the summary says | Read |
|---|---|---|---|
| none | up to $10,000 per claim, 90 days Purchase protection up to $10,000 per claim for 90 days after you buy |
2026-09 | |
| $150 | up to $10,000 per claim, 120 days Purchase protection up to $10,000 per item for 120 days after you buy |
2026-11 | |
| $250 | up to $10,000 per claim, 90 days Purchase protection up to $10,000 per purchase for 90 days after you buy |
2026-10 | |
| $350 | up to $10,000 per claim, 120 days Purchase protection up to $10,000 per item for 120 days after you buy |
2026-11 | |
| $395 | up to $10,000 per claim, 90 days Purchase protection up to $10,000 per claim for 90 days after you buy |
2026-09 | |
Chase United Club Card (this card) |
$695 | up to $10,000 per claim, 120 days Purchase protection up to $10,000 per item for 120 days after you buy |
2026-11 |
| $795 | up to $10,000 per claim, 120 days Purchase protection up to $10,000 per item for 120 days after you buy |
2026-11 | |
| $795 | up to $10,000 per claim, 120 days Purchase protection up to $10,000 per item for 120 days after you buy |
2026-11 | |
| $895 | up to $10,000 per claim, 90 days Purchase protection up to $10,000 per claim for 90 days after you buy |
2026-09 | |
| none | up to $1,000 per claim, 90 days Purchase protection up to $1,000 per claim for 90 days after you buy |
2026-09 | |
| none | up to $1,000 per claim, 90 days Purchase protection up to $1,000 per claim for 90 days after you buy |
2026-09 | |
| none | up to $1,000 per claim, 90 days Purchase protection up to $1,000 per claim for 90 days after you buy |
2026-09 | |
| $95 | up to $1,000 per claim, 90 days Purchase protection up to $1,000 per claim for 90 days after you buy |
2026-09 | |
| $150 | up to $1,000 per claim, 90 days Purchase protection up to $1,000 per claim for 90 days after you buy |
2026-09 | |
| $150 | up to $1,000 per claim, 90 days Purchase protection up to $1,000 per claim for 90 days after you buy |
2026-09 | |
| $150 | up to $1,000 per claim, 90 days Purchase protection up to $1,000 per claim for 90 days after you buy |
2026-09 | |
| $350 | up to $1,000 per claim, 90 days Purchase protection up to $1,000 per claim for 90 days after you buy |
2026-09 | |
| none | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| none | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| none | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| none | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| none | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| none | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| none | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| none | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| none | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| $95 | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| $95 | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| $95 | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| $99 | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| $99 | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| $149 | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| $229 | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| $250 | up to $500 per claim, 120 days Purchase protection up to $500 per item for 120 days after you buy |
2026-11 | |
| $95 | Purchase Assurance Plus |
2026-11 | |
| $325 | 90 days Purchase protection for 90 days after you buy |
2026-09 | |
| $595 | Purchase Assurance Plus |
2026-11 |
The Chase United Club Card's other dated benefits
Questions people ask
Does the Chase United Club Card come with purchase protection?
Yes. Its benefit summary, read 2026-11, says: “Purchase protection up to $10,000 per item for 120 days after you buy”. The full guide to benefits sets the conditions, so read it before relying on the purchase protection.
Which credit card has purchase protection for a lower annual fee than the Chase United Club Card?
The Amazon Visa lists it with no annual fee, $695 a year less. 33 cards with dated benefits carry it for a lower fee in all.
What the Chase United Club Card earns, category by category · Every card with purchase protection · How the data here is kept