Am I eligible?
To get this card, you must also:
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...
- Nouri Zarrugh, CreditCards.comFrequent 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.
- Alene Laney, TimeThe United Club℠ Infinite Card’s main benefit is its lounge access, which is valued at $650 per year. If you spend a lot of time in the United Club—or wish you could—this card may hold a lot of value for you. However, almost any other scenario doesn’t make financial sense, even with the card’s numer...
- Jeffrey Brownson, Robin Saks Frankel, ForbesThe United Club℠ Infinite Card is best reserved for loyal United customers. If you value United Club and Star Alliance Lounge access, free first and second checked bags and plan to book award travel on United, this card should definitely be in your wallet for at least the first year. On the other ha...
- Ben Schlappig, One Mile at a TimeThe United Club Infinite Card is United’s most premium personal credit card. While the card has a $525 annual fee, it offers incredible perks, including a United Club membership, a free first and second checked bag, upgrades on award tickets (including for a companion), and much more. If you’ve been...
- Robin Ratcliff, LendingTreeWith benefits such as United Club access, comprehensive travel insurance and lucrative spending categories, the United Club℠ Infinite Card is a great card for those looking to earn United miles and enjoy luxurious benefits. However, it does come with a high $525 annual fee, which can be a deterrent...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
21.99% ‐ 28.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
21.99% ‐ 28.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Cash Advance Interest Rate |
29.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee |
$525.00 Waived on the first year |
| 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 |
$40.00 Maximum |
| Promotions | |
| Sign up bonus |
80000 points 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 |
4 miles for $1 spent |
| Pharmacy | No |
| Bills | No |
| Additional Details |
2 miles per $1 spent on eligible delivery services including GrubHub, Caviar, Seamless and DoorDash. |
| 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, Google Pay |
| Virtual Cards | No |
| Additional Benefits |
|
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.
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.
The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.
Use this card?
Help inform others by sharing your experience with United Club℠ Infinite Card