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United Club℠ Infinite Card

United Club℠ Infinite Card

United Club℠ Infinite Card

Sign Up Bonus
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Rewards Rate
Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.
Travel Benefits
Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply
Edited by
Julie Sherrier
Reviewed by
Tracy Brackman
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Who is the United Club℠ Infinite Card card best for?

Chase and United’s premium airline credit card — the United Club℠ Infinite Card — offers a generous rewards rate on travel and dining purchases, as well as a number of travel benefits, including free checked bags and complimentary United Club membership.

These benefits come with a hefty $525 annual fee; however, when you figure in the signup bonus, free checked bags and United Club membership, that can help offset or at least justify that fee.

There is one caveat to applying for this card: The United Club℠ Infinite Card is only available if you do not have any United Club card and have not received a new cardmember bonus for any United Club card in the past 24 months.

We take a look at the pros and cons of the United Club℠ Infinite Card, and show how it compares to another premium travel card — the Chase Sapphire Reserve®.
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United Club℠ Infinite Card overview

    • Earn 100,000 Bonus Miles
    • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges
    • Earn 2 miles per $1 spent on all other travel
    • Earn 2 miles per $1 spent on dining including eligible delivery services
    • Earn 1 mile per $1 spent on all other purchases
    • Up to $100 Global Entry or TSA PreCheck® fee credit
    • Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply
    • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Infinite Card.
  • Credit needed:
    660 850
    Excellent
  • Global Entry or TSA Precheck fee credit of up to $100
  • Premier Access travel services, including priority check-in, security screening, boarding and baggage handling
  • 25% back on United in-flight purchases
  • Access to the Hertz Gold Plus Rewards program’s President’s Circle tier, upon enrollment
  • Visa Infinite® Concierge Service
  • Benefits from the Luxury Hotel & Resort Collection
  • Trip cancellation / trip interruption insurance, up to $10,000 per person and $20,000 per trip
  • Baggage delay insurance, up to $100 per day for three days
  • Trip delay reimbursement, up to $500 per ticket
  • Purchase protection, up to $10,000 per claim and $50,000 per year
  • Extended warranty protection

Intro Purchase APR

N/A

Regular Purchase APR

16.49% - 23.49% Variable

Intro BT APR

N/A

Regular BT APR

16.49% - 23.49% Variable

Annual Fee

$525

Cash Advance Fee

Either $10 or 5% of the amount of each transaction, whichever is greater.

Foreign Transaction Fee

$0

Balance Transfer Fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Pros and cons

Pros

  • Rewards rate
  • Free checked bags
  • United Club membership
  • Signup bonus

Cons

  • Annual fee
  • No intro APR

What we like about the United Club℠ Infinite Card

  • Rewards rate

    Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.

  • Free checked bags

    The primary cardholder and one companion traveling on the same reservation will each receive their first and second standard checked bags for free. That’s a savings of up to $320 per roundtrip.

  • United Club membership

    The United Club℠ Infinite Card offers the primary cardholder and an eligible traveling companion access to the more than 45 United Club locations and participating Star Alliance lounges across the globe. According to United, this benefit is valued at up to $650 per year.

  • Signup bonus

    New United Club℠ Infinite Card cardholders can earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening..

What to watch out for with the United Club℠ Infinite Card

  • Annual fee

    The United Club℠ Infinite Card‘s premium benefits come with an expensive $525 annual fee.

  • No intro APR on purchases

    If you’re planning to finance a vacation or other large purchases, this card is not ideal, since it doesn’t offer an introductory APR on purchases. If you do carry a balance, you will be subject to interest charges of 16.49% - 23.49% variable APR.

Alternate high-end travel card

Compare it with the Chase Sapphire Reserve®

Disclosures |
Chase Sapphire Reserve®
Chase Sapphire Reserve®
on Chase's secure site
N/A
16.99%-23.99% Variable
$550
5X total points on air travel and 10X total points on hotels
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
750 850

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you want to earn valuable travel rewards and take advantage of premium benefits, but you’re not a United Airlines loyalist, you may want to consider the Chase Sapphire Reserve®.

The Chase Sapphire Reserve® offers a lucrative sign-up bonus that’s worth $500 when redeemed for cash and gift cards, and $750 when redeemed for travel through Chase Ultimate Rewards™. Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

You can also transfer points at a rate of 1:1 to several airline and hotel loyalty programs, including United MileagePlus, British Airways Executive Club, Flying Blue Air France KLM, JetBlue TrueBlue, Virgin Atlantic Flying Club, World of Hyatt and Marriott Bonvoy.

Like the United Club℠ Infinite Card, the Chase Sapphire Reserve® offers an elevated rewards rate on travel and dining at restaurants. The card also comes with several travel benefits common to premium travel credit cards: a Global Entry/TSA Precheck credit, complimentary airport lounge access, trip cancellation/interruption insurance, auto rental collision damage waiver, lost luggage reimbursement and trip delay reimbursement.

Plus, the Chase Sapphire Reserve® offers up to $300 in statement credits each account anniversary as reimbursement for travel purchases that are charged to your card.

Compare the United Club℠ Infinite Card to similar cards

Comparison of four different credit cards
United Club℠ Infinite Card Chase Sapphire Reserve<sup>®</sup> United℠ Explorer Card Chase Sapphire Preferred<sup>®</sup> Card
United Club℠ Infinite Card Chase Sapphire Reserve® United℠ Explorer Card Chase Sapphire Preferred® Card
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Apply Now
on Chase's secure site
Annual Fee
$525 $550 $0 Intro for the First Year, then $95 $95
Welcome Offer
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Rewards Rate
Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases. 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases Earn 2 miles per $1 spent on dining, hotel stays and United purchases. 1 mile per $1 spent on all other purchases 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases
Intro Purchase APR
N/A N/A N/A N/A
Regular APR
16.49% - 23.49% Variable 16.99%-23.99% Variable 16.49% to 23.49% Variable 15.99% - 22.99% Variable
Recommended Credit
Excellent Excellent Excellent/Good Excellent
Card Details
United Club℠ Infinite Card Chase Sapphire Reserve® United℠ Explorer Card Chase Sapphire Preferred® Card

Is the United Club℠ Infinite Card right for you?

If you frequently fly on United Airlines, the United Club℠ Infinite Card offers a great opportunity to earn a large amount of points in a short period of time — which can be redeemed for flights, hotel stays, rental cars and more. But if you’re not partial to United Airlines, a card like the Chase Sapphire Reserve®, that allows you to transfer points to several popular airlines (including United) and hotel partners, may be a better fit.

Or, if you want to earn United miles, but don’t want to pay a steep annual fee of $525, you may want to consider the United℠ Explorer Card.

With an annual fee of $0 intro for the first year, then $95, the United℠ Explorer Card allows you to earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.. Cardholders also earn 2 miles per $1 spent on dining, hotel stays and United purchases. 1 mile per $1 spent on all other purchases.

Apply Now
on Chase's secure site