United Club Infinite Card Review

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Chase is running a limited-time 100,000-mile offer on the United Club℠ Infinite Card. This card launched in March 2020, replacing the United MileagePlus® Club Card (which is now closed to new applicants).

The United Club Infinite comes with some great benefits for United fans. Perks include a full United Club membership, free checked bags, and a top return on United purchases. Here's our full review to help you decide if now is the right time to add this card to your wallet.

United Club℠ Infinite Card
United Club℠ Infinite Card
Annual Fee$525
Special Offer Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
The United Club Infinite is the top-tier United co-brand card, and offers some great perks like United Club℠ membership, priority check-in, security screening (where available), boarding and baggage handling privileges. If your not an elite, holding this card means you'll be treated like one of United's most loyal and valuable customers. If you already hold MileagePlus Premier status, the card also grants access to Complementary Premier Upgrades on United flights.
  • Earn 100,000 Bonus Miles
  • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services including GrubHub, Caviar, Seamless and DoorDash
  • Earn 1 mile per $1 spent on all other purchases
  • Up to $100 Global Entry or TSA PreCheck™ Fee Credit
  • Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply
  • 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
  • Earn 4 miles per $1 spent on United purchases
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining
  • Earn 1 mile per $1 spent on all other purchases

Increased 100,000-Mile Welcome Bonus

Since you may not be taking full advantage of some of this card's benefits for at least part of the first year, the limited-time 100,000-mile bonus is a big part of the value proposition.

100,000 United miles can open up a lot of travel possibilities. So, it's a pretty safe bet you'll come out ahead for at least the first couple of years. The spending requirement to get this bonus is just $5,000 in the first 3 months. That's a refreshingly achievable amount — especially after we've seen other big offers require higher minimum spending amounts.

United Club Membership

The United Club Infinite‘s headline benefit is a complimentary United Club membership for as long as you remain a cardmember. Buying membership without the card costs $650 for general members and Premier Silver and Gold elites. Premier Platinum elites receive a discount to $600 and Premier 1K® and Global Services® pay $550.

If you're already paying this membership fee, the United Club Infinite card easily covers its annual fee. Even better, existing United Club members receive a pro-rated refund for any unused portion of their current membership if the refund is greater than $15.

To access the United Club, you will be required to show a same-day boarding pass for travel on United or a Star Alliance partner. Club members can be accompanied up to two guests or one adult and dependent children under 21.

Premier Access & Free Checked Bags

While other co-brand cards like the United℠ Explorer Card offer a free checked bag and priority boarding, the United Club Infinite takes these benefits to the next level.

Cardmembers and companions traveling on the same reservation are eligible for Premier Access. This access makes your airport experience pretty similar to what you'd get by holding elite status:

  • Access to designated check-in lines
  • Exclusive security lanes
  • Priority boarding
  • Priority baggage handling

Cardmembers also get their first and second checked bag free for themselves and one companion. This benefit applies only to United- and United Express-operated flights. Also, you must use your card to purchase your tickets.

Earning Rates

One of the major weaknesses of the MileagePlus Club Card was the fact that it earned fewer miles on United purchases than dozens of other rewards cards. The United Club Infinite earns a solid 4x miles on United purchases, 2x on dining and all other travel, and 1x on everything else.

Depending on the other cards you hold, this card may not be the best choice for spending. Still, the earning categories are a significant improvement over the previous version of the card.

Expanded MileagePlus Award Availability

If you care about getting maximum value from your United miles, this is one of the most underrated co-brand benefits out there. Like most frequent-flyer programs, United limits the number of seats available to book with miles. They want to sell as many tickets as possible to paying customers. So, the cheapest awards often include inconvenient extra stops or long layovers.

But if you have the United Club Infinite card, you'll get access to a lot of award options that aren't available to regular MileagePlus members.

If you don't have a United card, flights like this one won't show up in your search results.

Although it may not seem like a big deal, that extra award space can help you avoid an overnight layover or turn three stops into a single connection. It comes in especially handy if you happen to live near a smaller airport and need to connect to a major hub before an international flight. You can find more detail in our dedicated post on maximizing United's hidden award space for cardmembers.

Top-Tier Travel Protections

In addition to the other benefits we've covered, the United Club Infinite comes with some of the strongest travel and purchase protections available through a rewards card. These benefits are triggered when you use the card for eligible purchases. Before you rely on one of the coverages summarized below, be sure to review additional terms in your cardmember agreement.

  • Purchase Protection — Purchases made with your card are covered for 120 days from damage or theft. There's a limit of $10k/claim, 50k per year
  • Return Protection — Reimbursement for items the store won't take back within 90 days of purchase. This benefit is limited to $500/item, $1,000 per year
  • Extended Warranty — Extends the manufacturer's warranty by an additional year for warranties of three years or less.
  • Trip Cancellation / Interruption — Reimbursement up to $10,000 per person if your trip is cut short for a covered reason. ($20k limit per trip)
  • Trip Delay — If your trip is delayed more than 12 hours (or overnight), you may be covered for expenses like meals and lodging (up to $500 per ticket)
  • Lost Luggage — Get up to $3,000 per passenger if you or an immediate family member's checked or carryon luggage is lost.
  • Baggage Delay — Reimburses you for essential purchases like toiletries or clothing for baggage delays over 6 hours (up to $100/day for 3 days)
  • Auto Rental Collision Damage Waiver — Primary coverage for theft and collision damage for most rental cars in the U.S. and abroad.

Other Great Perks

  • $100 statement credit for Global Entry or $85 for TSA PreCheck — Reimbursed once every four years when you pay the application fee with your card
  • Hertz Presidents Circle® Elite Status — Includes a guaranteed vehicle upgrade and 50% more points on rentals
  • Luxury Hotel & Resort Collection (LHRC) — Book through LHRC and enjoy early check-in, late check-out, a room upgrade (subject to availability), daily breakfast for two, free Wi-Fi, and a unique property amenity such as a spa or food-and-beverage credit.
  • United elites are eligible for upgrades on award tickets — United typically limits complimentary Premier upgrades to paid tickets. But, cardholders can be upgraded on awards too.
  • 25% back on United in-flight purchases
  • No foreign transaction fees

Application Restrictions

This card is subject to Chase's 5/24 policy, which means that your application won't be approved if your credit report shows five or more new credit-card accounts in the past 24 months. Many small business cards do not show up on your personal credit report, so those may not count. Please see our full post on the 5/24 policy if you aren't already familiar with the rule.

In addition, the application page for this card includes the following eligibility language (emphasis added):

This card product is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months.

In other words, if you already have the United Club Infinite, United Club℠ Business Card or the MileagePlus Club Card or you received a welcome bonus for any of these cards in the past 24 months, you won't be approved for a new application.

Final Thoughts

The limited-time 100,000-mile offer is perfect for boosting your mileage balance for future travel. When offers climb into six figures, it’s worth determining if you can fit them into your rewards earning strategy.

The United Club Infinite provides top benefits for United fans and offers a great return on United purchases, backed up by some of the strongest travel protection benefits of any card on the market.

If you can take full advantage of the benefits, you should have no trouble accounting for the out-of-pocket expense of holding the card over the long term. However, if you don't fly with United often, there are lots of other great cards with lower annual fees that could be a better fit.

United Club℠ Infinite Card
United Club℠ Infinite Card
Annual Fee$525
Special Offer Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
The United Club Infinite is the top-tier United co-brand card, and offers some great perks like United Club℠ membership, priority check-in, security screening (where available), boarding and baggage handling privileges. If your not an elite, holding this card means you'll be treated like one of United's most loyal and valuable customers. If you already hold MileagePlus Premier status, the card also grants access to Complementary Premier Upgrades on United flights.
  • Earn 100,000 Bonus Miles
  • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services including GrubHub, Caviar, Seamless and DoorDash
  • Earn 1 mile per $1 spent on all other purchases
  • Up to $100 Global Entry or TSA PreCheck™ Fee Credit
  • Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply
  • 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
  • Earn 4 miles per $1 spent on United purchases
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining
  • Earn 1 mile per $1 spent on all other purchases

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Comments

  • Thanks for the write-up. While I certainly appreciate this page – https://awardwallet.com/blog/hot-deals – highlighting current credit card offers, I do wish it had some AW rankings of some sort, eg #1 Signup Bonus by Value, #1 Grocery Spend Card, etc. Or, if not rankings, maybe a search filter where folks could easily get to the cards matching their needs. Just a thought.

  • This is probably one of the better cards. However, with lockdown rules, it’ll be hard to maximize the benefits of the card.

  • Not real useful until you can get real value out of the UC club membership. Many are closed and/or have limited hours and services.

  • Not traveling on UA that much for this card. I can see if you fly UA that this would be a good card though for the average person I’d think you’d have to be flying UA at least 3 times or more a year to be worth it. I fly AA more and I still don’t have their card that gives club access. I just cannot do that annual fee since I don’t fly them enough for it to be worth it.

    I mainly have the Explorer card for the added ablty and some club access.

  • $525 is a lot when not being able to use the lounge that much during the pandemic but the 100k miles offer is tempting.

  • James Chai says:

    Truly good! It’s worth to open this card if we have a long distance business trip. That’s should be good offer to have a Frist class or Business class.

  • Farid Kassam says:

    100K miles may seem a lot but there are better cards you can get for the price.

    • It’s basically only a good card for those who purchase Club memberships. Otherwise I can’t think of any scenario where this card comes out on top.

  • The signup bonus is not bad, and the benefits are quite good.
    I’d get this card in a heartbeat only if the annual fee was a bit lower.
    All cards with annual fees of $500+ are just not worth it IMHO.

  • Good deal if you use United frequently.

  • The best thing about this card is the expanded award availability on flights. If you spend to get access to the United Club then by all means get this card.

    • To play devil’s advocate though, the Explorer card also offers expanded award availability and if you’re flying United enough to justify this card, you probably have at least silver status anyway. I’d argue award availability carries no weight with the card.

  • I know United cardholders get access to Amtrak’s lounges but wonder if cardholders will get automatic admission to Classified, United’s invitation-only restaurant at EWR.

  • 100,000 for that price, is not enough incentive for me. The lounge has no value at this time nor do the flight purchase bonuses.

    • Even during travel, the Club lounges aren’t even that great. It’s nice in the sense you get guaranteed access unlike Priority Pass but they’re fairly subpar IMO.

  • The Hertz status is nice but I don’t see this card as a contender at all. It does good for United purchase but not great and I wouldn’t use it for anything other than United flights. It needs better categories or some other X factor, maybe two Polaris passes per year.

  • So.. If I have the club card I cannot side – step up to the infinite card?

    • If your club card is now closed, or you product changed to a different card, you should be eligible for the Club infinite as long as you didn’t get the bonus on the original club card in the past 2 years.

      If your club card account is still open, you can probably convert/product change to the new United Infinite, but you likely wouldn’t be eligible for a bonus that way.

  • I find this to be a great deal for frequent United travelers.

  • Honestly a tempting offer. 100k miles for a $5k spend is a very reasonable threshold, even when factoring in the $525 AF. I recall years ago when Citi offered 100k miles on the AA Executive card… the spend hurdle for that was $10k. Makes this one a walk in the park.

  • Great info, but the perks are not worth the fee at this time of low travel for most.