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Offers for the United MileagePlus® Club Card and United MileagePlus® Club Business Card are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.
The United Club℠ Infinite Card launched in March 2020, replacing the United MileagePlus® Club Card (which is now closed to new applicants). This card 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.
- Earn 80,000 bonus miles after qualifying purchases
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel and dining
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
- 10% United Economy Saver Award discount within the continental U.S. and Canada
- Earn up to 8,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
- Member FDIC
- 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
Welcome Bonus
The current offer is 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. This is a solid bonus for the United Club Infinite, although it falls short of the card's all-time-high bonus of 120,000 miles that ended in May 2022.
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 long-term 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 by 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.
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 carry-on 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
- Complimentary IHG Rewards Platinum Elite Status — A recently added benefit to this card is complimentary IHG Rewards Platinum status.
- Avis Presidents Club — Includes complimentary two-car class upgrades, guaranteed car availability, and expedited rental service.
- 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 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.
- Earn 80,000 bonus miles after qualifying purchases
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel and dining
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
- 10% United Economy Saver Award discount within the continental U.S. and Canada
- Earn up to 8,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
- Member FDIC
- 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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