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United Club℠ Infinite Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.49% ‐ 23.49% (Variable)
Balance Transfer
16.49% ‐ 23.49% (Variable)
1 - 4 Miles
Signup Bonus
100000 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 11 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...


Overall, the United Club℠ Infinite Card is hands-down the best option for United flyers who enjoy access to the United Club, especially if they are considering purchasing a membership outright. Not only will this card cut the cost of the membership, but it will also enable you to fly more for less.

- Justin Estes, SimpleMoneyLyfe
Travel Update

Overall, despite the hefty annual fee, this card offers great value to United loyalists. Firstly, access to United Club lounges and select Star Alliance lounges is the main draw. Secondly, for heavy spenders, this card offers a pathway to elite status via credit card spend. If you’re simply looking...

- Travel Update
Traveling For Miles

The United Club Infinite Card is a good card to hold if you’re a United Airlines frequent flyer because it offers United Club membership together with a host of other benefits for less than the cost of standalone United Club membership and earns cardholders more miles per dollar of direct spending w...

- Ziggy, Traveling For Miles

If you consider lounge access a must-have and you frequently fly (and check bags on) United, then this card's jumbo annual fee can be a relative bargain. Occasional travelers should look elsewhere, maybe even to a different United card.

- Gregory Karp, NerdWallet

The welcome bonus makes adding the United Club℠ Infinite Card to your wallet easy; the $525 regular annual fee makes keeping it there difficult. Unless you regularly fly United, check bags, and want to have United Club and Star Alliance Lounge access, there are better options to consider.

- Jeffrey Brownson, Forbes


Interest Rates
Regular APR Interest Rate 16.49% ‐ 23.49% (Variable)

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

Balance Transfer Interest Rate 16.49% ‐ 23.49% (Variable)

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

Cash Advance Interest Rate 24.99% (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


Sign up bonus 100000 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
    Minimum Security Deposit $0
    Minimum Age 18
    Minimum Personal Income
    Temporary Residents No
    Additional comments
    Terms & Conditions Official Terms & Conditions
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