United Club℠ Infinite Card review

This card is designed for frequent United travelers, offering several key benefits including a generous welcome bonus, ongoing rewards on purchases, and numerous travel perks to satisfy your wanderlust.

Written by
Jennifer Doss
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Miles Card

United Club℠ Infinite Card

  • Rewards
  • Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.
  • Welcome Bonus
  • Limited-time offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
  • Annual Fee
  • $525
Credit Score: Excellent
on Chase's secure website
Terms and Limitations Apply

Key Features

Editor Analysis:

  • Limited-time offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.
  • Cardholders can enjoy United Club membership, which has a value of up to $650 per year! Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi and more.
  • Enjoy a Global Entry, TSA PreCheck, or Nexus fee credit up to $100 every four years.
  • Free first and second checked bags for you and a companion could save up to $360 per roundtrip itinerary.
  • If United isn't your airline of choice, you'll likely have trouble offsetting the annual fee. If you prefer flexibility with which airline you travel, you might want to consider a more general travel rewards card.


Credit Score: credit_score_needed

The CardName is a premium travel credit card offered by Chase and designed for frequent United travelers. This card offers several key benefits, including a generous welcome bonus, ongoing rewards on purchases, and numerous travel perks. However, the card also has some downsides, notably a large annual fee, so it’s certainly not right for everyone.

If you are wondering if the CardName is right for you, we’re here to help you decide by breaking down some of the perks of this credit card, the downsides, and how it compares to other similar cards.

CardName rewards

As you would expect from any premium travel credit card, the CardName offers some impressive rewards for cardholders.

First, you’ll earn the limited-time offer of 90,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening. Depending on how you use those bonus miles, they could be worth anywhere from 1.2 cents to 2 cents per mile, for a total potential value between $960 and $1,600. This offer is available to anyone who doesn’t currently have a United Club card and hasn’t received a United Club new cardmember bonus within the past two years.

In addition to the sign-up bonus, the CardName also offers rewards for your spending. Here’s what you can look forward to:

  • 4 miles per $1 for United purchases
  • 2 miles per $1 for other travel purchases
  • 2 miles per $1 for dining, including eligible delivery services
  • 1 mile per $1 for all other purchases

CardName travel benefits

As a premium travel credit card, the CardName also comes with some key travel benefits. Here are some of the most attractive perks:

  • United Club membership with a value of up to $650 per year (worth more than the card’s annual fee). You’ll get access to United Club locations and participating Star Alliance affiliated lounges around the world.
  • Free first and second checked bags. This added benefit can save you up to $360 per round trip itinerary and applies to both you and a companion traveling on the same reservation. It’s a savings of $35 per first checked bag and $45 per second checked bag.
  • Global Entry, TSA PreCheck, or Nexus fee credit up to $100 every four years.
  • Earn 25% back on United inflight purchases, including food, beverages, and Wi-Fi.
  • Premier upgrades on awards tickets when you’re traveling with one companion on the same reservation.
  • No foreign transaction fees.
  • Access to the Luxury Hotel & Resort Collection with more than 1,000 properties, including hotels, resorts, lodges, and spas. Benefits include daily breakfast for two, free room upgrades, free Wi-Fi, and more.
  • United Card events from Chase and United MileagePlus events.
  • Avis President’s Club enrollment with free two-car class upgrades, guaranteed availability, expedited service, and more.

CardName annual fee

One big downside to the CardName is its annual fee. At AnnualFees, it’s probably enough to scare some travelers away, especially given the availability of travel credit cards with lower annual fees. But in this case, the high fee may very well be worth it.

If you’re a frequent United traveler, then the value of the CardName almost certainly exceeds the annual fee. First, the United Club membership alone has a potential value that’s more than the annual fee. And considering the free checked bags can be worth as much as $360 per round trip flight, the value could be exceptional.

Just those two key card benefits have the potential to be worth more than double the annual fee, and that’s without taking into account all of the other travel perks listed above. Before you shy away from the high fee on this card, run the numbers to see if your travel habits can make the card worth it.

That being said, the high annual fee does mean the card isn’t right for everyone. If you aren’t loyal to United when you fly, then it doesn’t make sense to pay so much for a card when the benefits are specific to a single airline.

What are the potential downsides of the CardName?

We’ve already talked about the annual fee, which is likely the biggest downside of the CardName for most consumers. However, there are a few other potential downsides to know about.

First, as is the case with most premium travel credit cards, this one doesn’t offer an introductory APR. As a result, it’s not appropriate for balance transfers or large purchases you don’t expect to pay off right away.

Another downside is that the rewards aren’t transferable, since it’s specifically a United card. There are plenty of general travel cards whose benefits can apply to any airline or hotel you’re traveling with. But with this card, you’re limited to United and its partner airlines, which could still get you just about anywhere you want to go.

How do cardholders rate the CardName?

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results for the CardName:

 Current ScoresPast Scores
Overall Score78.370.8
Features Satisfaction7.87.1
Customer Service7.67
Website/App Usability8.16.9
Likelihood of Continuing to Use87.1
Recommend to a Friend/Colleague7.97.3
Scores above reflect the results of surveys with actual cardholders. Full methodology below.

How does the CardName compare to other cards?

Before signing up for the CardName, be sure to see how it stacks up against some of the other top travel credit cards on the market.

CardName vs. CardName


The CardName and CardName may be offered by the same card issuer, but they have some important differences. Perhaps the most important difference is that while the United card has benefits that are specific to that airline, the CardName has much more flexible benefits. You can use them to book travel through any airline or hotel through Chase Travel℠ to make the most of your points.

The cards are also very different in the rewards you can earn. While the CardName has a limited-time offer bonus of 90,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening, the CardName offers 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening, which are worth $900 toward travel when spent through the Chase Travel.

The CardName also allows you to earn points from your spending. When you purchase through Chase Travel, you’ll earn 5X points on flight purchases and 10X points on hotel and car rentals (both after earning your annual travel credit), 3X points on other travel (again, after earning your $300 travel credit annually), 10X points on Chase Dining, 3X points on other dining, and 1X point on all other purchases.

As for travel perks, the CardName falls behind the United card. It has a few of the same benefits, including Global Entry, TSA PreCheck or Nexus fee credit, complimentary Priority Pass Select lounge access, and a $300 annual travel credit.

As for the annual fee, the cards are pretty close. While the United card has a fee of AnnualFees, the CardName has a fee of AnnualFees.

CardName vs. CardName

The CardName is another United travel card that’s offered by Chase, but it’s a more downgraded version of the CardName. With the Explorer Card, you can earn the limited-time offer of 60,000 miles after spending $3,000 in the first three months, which is lower than the Infinite Card’s offering.

The spending rewards on the Explorer Card are also quite a bit lower. You’ll get 2X miles on United Airlines purchases, 2X miles on dining (including eligible delivery services), 2X miles on hotel accommodations booked directly with the hotel, and 1X mile on all other purchases.

As for travel and other benefits, you can look forward to rental car insurance; delayed or lost baggage insurance; trip cancellation, interruption, and delay insurance; purchase protection; Visa Concierge; and extended warranty protection.

One the biggest attractions of the Explorer Card is that, unlike the Infinite Card, this card has a AnnualFees. As a result, this card is much more suitable for those who are new to travel cards or who don’t travel United as often.

Is the CardName worth it?

The CardName is a premium travel card designed with United travelers in mind. And while the high annual fee can be intimidating, it’s more than worth it for many people. As with any credit card with a fee, it’s important to consider whether you’ll be able to take advantage of the card’s benefits.

If you regularly fly with United and can take advantage of the United card’s most important benefits, then the fee is easy to offset, and the card is likely worth it. But if you aren’t loyal to a single airline or don’t travel often enough to maximize the benefits, you might prefer a more flexible and affordable option.

Frequently asked questions

Yes, the CardName includes United Club membership which gets you access to United Club locations and participating Star Alliance affiliated lounges around the world.
To qualify for the CardName you need an excellent credit score. However, approval can also depend on other factors such as your income, debt levels, and overall credit history. It's important to check your credit score and ensure your credit report is in good shape before applying.
The CardName has an annual fee of AnnualFees.

Our Methodology

Survey methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents’ scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to “How likely are you to recommend this card to a friend, coworker or family member?” was double weighted. Current Scores reflect scores from the most recent survey (2023); “Past Scores” reflect scores from the 2022 survey.

Disclaimer:The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.

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