United Club℠ Infinite Card review

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Advertiser Disclosure

Interest Rate: Purchases
17.49% ‐ 24.49% (Variable)
Balance Transfer
17.49% ‐ 24.49% (Variable)
Rewards
1 - 2 Miles
Signup Bonus
100000 miles (after spending $5,000)


7.7/10
Informr score
The United Club℠ Infinite Card currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 2 sources including reviews from users and the web's most trusted critics.

Am I eligible?


United Club℠ Infinite Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


CreditCards.com

Frequent flyers looking to earn United miles and enjoy premium perks can get a lot of value out of this card thanks to its impressive rewards rate. That said, the annual fee will be hard to justify if you’re not a die-hard United fan.

- Nouri Zarrugh, CreditCards.com
The Points Guy

If you spend thousands of dollars on United flights each year, the United Club Infinite Card is definitely worth considering. You’re getting a great earn rate for a cobranded card, a solid lineup of perks, United Club access and solid travel protections. Even though it has a higher annual fee than t...

- Madison Blancaflor, The Points Guy

Details


Interest Rates
Regular APR Interest Rate 17.49% ‐ 24.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 17.49% ‐ 24.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $525.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 100000 miles after spending $5,000

On purchases within the first 3 months.

Rewards
All Purchases 1 mile for $1 spent
Restaurants 2 miles for $1 spent
Gas No
Groceries No
Hotels No
Travel 2 miles for $1 spent


Pharmacy No
Bills No
Additional Details

4 miles per $1 spent on purchases from United, including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Android Pay
Virtual Cards No
Additional Benefits
  • United Club membership – up to a $650 value per year
  • Up to $100 Global Entry or TSA PreCheck™ fee credit
  • 25% back on United inflight purchases
  • Free first and second checked bags
  • No blackout dates
  • Premier Access
  • Hertz Gold Plus Rewards® President's Circle®
  • Premier upgrades on award tickets
  • The Luxury Hotel & Resort Collection
  • United Card Events from Chase and United MileagePlus Events
  • Trip Cancellation/Trip Interruption Insurance
  • Baggage Delay Insurance
  • Lost Luggage Reimbursement
  • Trip Delay Reimbursement
  • Return Protection
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


CreditCards.com

Impressive rewards rate on travel purchases

from CreditCards.com

Frequent flyers looking to earn United miles and enjoy premium perks can get a lot of value out of this card thanks to its impressive rewards rate. That said, the annual fee will be hard to justify if you’re not a die-hard United fan.

Read full review

Frequent flyers looking to earn United miles and enjoy premium perks can get a lot of value out of this card thanks to its impressive rewards rate. That said, the annual fee will be hard to justify if you’re not a die-hard United fan.

Read full review

Less

The Points Guy

Best suited for loyal United flyers

from The Points Guy

If you spend thousands of dollars on United flights each year, the United Club Infinite Card is definitely worth considering. You’re getting a great earn rate for a cobranded card, a solid lineup of perks, United Club access and solid travel protections. Even though it has a higher annual fee t...More

If you spend thousands of dollars on United flights each year, the United Club Infinite Card is definitely worth considering. You’re getting a great earn rate for a cobranded card, a solid lineup of perks, United Club access and solid travel protections. Even though it has a higher annual fee than the current United Club Card, the extra $75 in cost is well worth it if you’re flying with United enough to warrant a premium cobranded credit card. It’s not the best time for United to be launching a new airline credit card. But 100,000 miles can be a lifesaver in an emergency where you or a family member needs to travel last minute.

Read full review

Less

User Reviews


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