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Pros & Cons
Pros
- +Welcome Bonus: 80,000 miles
- +Up to 5x on United flights
- +Lounge access included
Cons
- –High annual fee ($695/yr)
Our Review
Elevate Every Journey with The United Club℠ Infinite Card
- 80,000 bonus miles after $5,000 in purchases within 3 months
- 4X miles per $1 on United purchases
- 2X miles per $1 on dining and all other travel
- 1X mile per $1 on all other purchases
- Complimentary United Club℠ membership for you and eligible guests
- Free first and second checked bags for you and a companion on United flights
- Premier Access℠ airport services, including priority boarding
- Up to $120 Global Entry or TSA PreCheck® credit every four years
- 25% back on in‑flight purchases
- Up to two 10,000‑mile award flight discounts each year
- No foreign transaction fees
- $695 annual fee
Ideal for frequent United flyers, this premium card transforms travel into a seamless experience. Earn accelerated miles on every United purchase and enhance your airport journey with lounge access, priority services and complimentary bags. Annual credits and award discounts help offset the fee, while robust travel protections and intuitive online tools keep you covered and in control. Make every trip more rewarding and comfortable.
Terms apply. Bonus miles, credits and benefits require qualifying purchases. Annual fee applies. See issuer for complete details.
Rewards
All Spending
1x
United MileagePlus pts per dollar
United flights
5x
United MileagePlus pts per dollar
Restaurants
2x
United MileagePlus pts per dollar
Transit
2x
United MileagePlus pts per dollar
Travel
2x
United MileagePlus pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
36,600
United MileagePlus/yr
Estimated Value
$366
After Fees
$-329
1st Year Value
$471
incl. welcome bonus
Breakdown
Annual benefits
- $200
- $150
- $100
- $240
- $200
Perks & Benefits
Airport lounge access
Concierge
24/7
Priority Boarding
Included
Priority check-in
Included
Renowned Hotels & Resorts credit
$200
Rideshare credit
$150
Avis / Budget credit
$100
Instacart credit
$240
JSX flight credit
$200
Additional Benefits
- Unlimited United Club membership for you and a guest, a $750+ value per year, with All Access membership unlocked at Premier Gold status or $50,000 in annual spend.
- Four United Club one-time passes starting with your first anniversary when you have United Club All Access Membership and an authorized user.
- Free first and second checked bags for the primary Cardmember and one companion, a saving of up to $440 per roundtrip.
- Premier Access travel services: priority check-in, security screening, boarding and baggage handling privileges, where available.
- Up to $200 back in statement credits each anniversary year on hotel accommodations prepaid through Renowned Hotels and Resorts.
- Up to $150 back in statement credits each calendar year on rideshare purchases, with yearly opt-in required.
- Up to $120 statement credit every four years as reimbursement for the Global Entry, TSA PreCheck or NEXUS application fee.
- IHG One Rewards Platinum Elite status for the primary Cardmember, and complimentary Premier upgrades on award tickets for Premier members and one companion.
- Complimentary Visa Infinite Concierge Service.
Travel Insurance
Trip Cancellation
Up to $10,000
Trip Interruption
Up to $10,000
Delayed Baggage
Up to $300
Lost Baggage
Up to $3,000
Flight Delay
Up to $500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Up to $10,000 / 120 days
Extended Warranty
+1 years
Auto Rental Collision (primary)
Up to $60,000 / 31 days
Fees and interest rates
- Annual Fee$695
- Foreign currency conversion fee0%
Terms & Conditions
Card Features
- Earn 80,000 bonus miles.
- 4x miles on United® purchases.
- 2x miles on dining and all other travel.
- 1x mile on all other purchases.
- United ClubSM card membership (at least a $750 value).
- Free first and second checked bags (terms apply) and Premier Access® travel services.
- 10,000-mile award flight discount after $20,000 in purchases (up to 2x per calendar year).
- Member FDIC
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Chase. All trademarks are property of their respective owners.