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United Club℠ Infinite Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.99% ‐ 27.99% (Variable)
Interest Rate: Purchases
20.99% ‐ 27.99% (Variable)
Balance Transfer
20.99% ‐ 27.99% (Variable)
Balance Transfer
20.99% ‐ 27.99% (Variable)
1 - 4 Miles
1 - 4 Miles
Signup Bonus
80000 points (after spending $5,000)
Signup Bonus
80000 points (after spending $5,000)

Informr score
The United Club℠ Infinite Card currently has an Informr score of 8.3 out of 10. This score is based on our evaluation of 16 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...


The United Club℠ Infinite Card includes a high annual fee. However, cardholders can make up for it by maximizing its benefits. If you are a frequent traveler looking to enjoy exclusive benefits, this card may be right for you — especially if you plan to make international purchases. The United Club℠...

- Brett Holzhauer, MoneyGeek
One Mile at a Time
One Mile at a Time

The 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. On top of that...

- Ben Schlappig, One Mile at a Time
The Points Guy
The Points Guy

If you spend thousands of dollars on United flights each year, the United Club Infinite Card is worth considering. You’re getting a great earning rate for a cobranded card, a strong lineup of perks, United Club access and solid travel protections. Use this opportunity to start stockpiling MileagePlu...

- Jennifer Yellin, The Points Guy

The hefty $525 annual fee of the Chase United Club Infinite Card outweighs most of the benefits of the card for the average traveler, but for those looking to buy United Club lounge access at a discount, it can offer tremendous value.

- John Csiszar, GOBankingRates

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,


Interest Rates
Regular APR Interest Rate 20.99% ‐ 27.99% (Variable)

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

Balance Transfer Interest Rate 20.99% ‐ 27.99% (Variable)

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

Cash Advance Interest Rate 29.49% (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


Sign up bonus 80000 points after spending $5,000

On purchases within the first 3 months.

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
  • Spent on purchases from United, including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
  • 2 miles per $1 spent on all other travel purchases
  • 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
    • United Club membership – up to a $650 value per year
    • Up to $100 Global Entry or TSA PreCheck™ fee credit
    • 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card.
    • Free first and second checked bags
    • Premier Access
    • Hertz Gold Plus Rewards® President's Circle®
    • No blackout dates
    • 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
    • Free year of DoorDash DashPass
    • $75 IHG Credit from January 1, 2023, through December 31, 2023
    • 10% Saver Award discount
    • IHG Rewards Platinum Elite Status
    Minimum Security Deposit $0
    Minimum Age 18
    Minimum Personal Income
    Temporary Residents No
    Additional comments -
    Terms & Conditions Official Terms & Conditions
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