The content of this page is accurate as of the publication date; however, some offers from our partners may have expired. Browse our list of the best credit cards or use our CardMatch™ tool to find the cards that suit your needs.
If you regularly fly with United Airlines, you might be interested in the Chase United Club℠ Infinite Card, a premium travel credit card with high rewards and a high annual fee of $525.
With the United Club Infinite Card, you get what you pay for. You will receive a full membership to the United Club, which can cost up to $650 per year, and the opportunity to earn 100,000 bonus miles for signing up by spending $5,000 in the first three months. Add to that additional perks such as free first and second checked baggage, access to United Premier, 25% refund on United in-flight purchases and more, and this card can be very valuable to the airline’s frequent flyers.
But in general, is the United Club Infinite Card right for you? Let’s take a closer look at whether or not to apply.
When is the United Club Infinite card beneficial?
The United Club Infinite Card offers a high-level rewards and benefits package designed for United Airlines frequent flyers. You will have the opportunity to earn many United MileagePlus miles:
- 4 times more miles for purchases at United
- Double miles on all other trips
- Double Meal Miles (including eligible delivery services such as GrubHub, Caviar, Seamless and DoorDash)
- 1X miles on all other purchases
Also, as noted above, if you spend $5,000 within the first three months of owning the card, you will receive a signup bonus of 100,000 bonus miles. According to recent estimates by The Points Guy, United MileagePlus miles can cost up to 1.21 cents apiece for travel with United Transfer partners – meaning your bonus miles can be worth up to $1,210.
The United Club Infinite card also offers a range of additional travel benefits, including a full United Club membership that gives you access to United Club lounges and costs up to $650 per year. You will also gain access to United Premier Access, which allows you to take advantage of dedicated check-in lines and priority baggage handling, among other perks. Plus, you get free first and second checked baggage, Global Entry or TSA PreCheck credit, 25% refund on United purchases on board, and more to help you save money while traveling and offset your fares. this hefty annual fee.
If you’re a frequent flyer, prefer United, want to take advantage of high-end premium travel, and have time to visit United Club Lounges before you fly, applying for a United Club Infinite Card is a smart decision. Yes, the $525 annual fee is a bit high compared to other airline credit cards, but the value of this many perks – not to mention the excellent sign-up bonus – might make this card more than worth it.
When is the United Club Infinite card not worth it?
The United Club Infinite card is designed specifically for frequent flyers with United. If that’s you, the United Club Infinite Card might cost $525 a year, but if not, you might be better off considering travel credit cards.
American Express’s Chase Sapphire Reserve and Platinum Card® cards also have high annual fees, but they offer rewards that you can redeem for a variety of travel purchases or transfer to a wide range of travel loyalty programs, which can be more. useful if you are not a dedicated United traveler.
On the other hand, if you frequently fly with United, consider reviewing your flight history to see how many miles you’ve earned on those flights. If you evaluate your previous spending on United and still decide that the United Club Infinite Card may not be worth the cost, you may want to consider the United Explorer Card instead.
The United Explorer Card also allows you to earn MileagePlus Miles – 2x miles on directly purchased hotels, restaurants and United tickets, plus 1X miles on regular purchases – and includes its own check-in bonus and travel privileges. With no annual fee the first year and $95 a year thereafter, this can be an affordable and rewarding alternative.
Is it worth getting the United Club Infinite Card?
While the United Club Infinite Card has a significantly high annual fee, it still holds its own against many of the premium travel cards on the market. If you frequently fly with United and appreciate comfort while traveling, consider choosing United Club Infinite. Its rewards and perks help offset high annual fees and are of great benefit to United’s frequent flyers.
You’ll also have access to an impressive 4x miles reward rate on United purchases, no foreign transaction fees, a solid first year bonus, and a United Club membership (worth up to $650/year, whichever you choose). how much lounge access you can use).
bottom line
Despite the high annual fee, the reward structure and benefits of the United Club Infinite Card can easily justify it for airline loyalists.
Be sure to check out other United Airlines credit cards before you apply: there may be another option that better suits your spending style or preferred perks.
Editorial disclaimer
The editorial content on this page is based solely on the objective judgment of our contributors and is not based on advertising. It was not provided or ordered by credit card issuers. However, we may receive compensation when you click on links to our partners’ products.