United Club Infinite Card is offering 90,000 points after spending $5000 in 3 months with a $525 annual fee.. That's up 10,000 points over their standard offer of 80,000 points after spending $5000 in 3 months. Offer expires 1/29/25
United Club Credit Card Review
Key Takeaways
The United Club Card caters to a specific audience, and only those who fly United multiple times per year will find the high annual fee ($695) justifiable. If you’re not a United loyalist but have a few United flights planned in the upcoming year, you could still benefit from getting the card and then cancelling. The signup bonus of 95,000 miles and United Club membership alone make this card valuable. If you’re at the point in your miles journey where you’re looking at co-branded airline cards, United is the one we recommend first. It’s our favorite airline for collecting points, as it offers great redemption, particularly for international and business flights, and it’s a partner with Chase, making topping off easy.
Why This Card Could Be Right For You
The United Club membership is its most significant perk, valued at about $750 annually. This membership provides unlimited access for you (and eligible companions) to United Clubs and select Star Alliance lounges. Additional travel benefits include first and second checked bags for you and one companion on the same reservation, TSA PreCheck/Global Entry reimbursement (up to $120 every four years), and Platinum Elite status with IHG One Rewards. You’ll also get premier access travel services such as priority check-in, security screening, boarding, and baggage handling.
This card covers its bases by offering a range of credits to entice cardmembers to stick around. You’ll receive:
- $150 in annual rideshare credits ($12 per month, plus $18 in December)
- $240 in annual Instacart credits (two $10 credits per month)
- $200 in annual credits on prepaid hotel stays through Renowned Hotels and Resorts
- $200 in annual credits on flights purchased through JSX
- $100 in Avis or Budget credits (split into two $50 credits) and complimentary Avis President’s Club membership
You’ll also enjoy a 10% Saver Award discount when booking award flights. Remember, you can redeem MileagePlus miles with any Star Alliance partner airline to maximize your miles.
When The Usual Advice Doesn't Apply
Here are some exceptions where the card might not be good for you:
- If you don’t fly United/Star Alliance multiple times per year
- If you don’t often travel through airports with United Club or participating Star Alliance lounge
What to Know About United MileagePlus
United is our favorite point system for international flights, especially for business class.
- United has ample cards for collecting large sums of points.
- International business class seats can be found for as low as 120,000 points.
- They’re a partner in our favorite rewards system, making top offs from Chase Ultimate Rewards both easy and a good value.
- United is also a decent option for domestic flights and standard international fares, but we generally use Southwest, American or Delta for those.
- We save our United points for those long international flights where business class is a difference maker.
How The United Club Credit Card Fits In The United MileagePlus Ecosystem
United has a card for everyone, depending on travel habits:
- United Gateway: $0 annual fee, low sign-up bonus, limited benefits (in line with no annual fee).
- United Explorer: $150 annual fee (waived the first year), decent 80,000-mile sign-up bonus, plus two United Club passes per year.
- United Quest: $350 annual fee, 90,000-mile sign-up bonus, two free checked bags, $200 in annual United credits, and additional credits to compare with the Explorer card.
If you’re close to hitting your 5/24 limit, there are two business cards to consider:
- United Business Card: 125,000-mile sign-up bonus, $150 annual fee (waived the first year), two United Club passes per year, and a free checked bag.
- United Club Business Card: $695 annual fee, offering United Club membership and similar perks to the personal United Club Credit Card.
Card Information
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee |
1st Year Value
|
|---|---|---|---|---|---|
| 95,000 | $5,000 | 1.3 ¢ | $100 | $695 |
$705
|
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Int. Biz Class | United Club Access + Star Alliance lounges, 2 bags free for you & 1 companion | 24 from Bonus , 5/24 , Chase 2/30 , Chase 4/6 |
Spend Categories
Airfare - »
9X points
11.7¢ Per Dollar Spent
All Other = »
1X points
1.3¢ Per Dollar Spent
Hotels - »
5X points
6.5¢ Per Dollar Spent
Restaurants = »
2X points
2.6¢ Per Dollar Spent
Travel = »
2X points
2.6¢ Per Dollar Spent
Rideshare and Transit = »
2X points
2.6¢ Per Dollar Spent
Card Benefits
Lounge Access »
Get unlimited access to United Club lounges and Star Alliance when flying United.
Get unlimited access to United Club lounges and Star Alliance when flying United.
TSA Pre Check »
You will receive up to $120 credit for TSA Precheck or Global Entry.
You will receive up to $120 credit for TSA Precheck or Global Entry.
Preferred Boarding »
The Primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
The Primary Cardmember and companions on the same reservation will be invited to board United-operated flights prior to general boarding.
Airline Incidentals »
25% back on food, beverage and Wi-Fi purchases onboard United- and United Express-operated flights
25% back on food, beverage and Wi-Fi purchases onboard United- and United Express-operated flights
Car Rental Insurance »
Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Using this card gives you primary car rental insurance, providing reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.
Travel Insurance »
Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; trip cancellation insurance up to $10,000 per person; baggage delay insurance up to $100 per day for 3 days; trip delay reimbursement up to $500 per ticket.
Travel accident insurance up to $500,000; lost luggage insurance up to $3,000 per person; trip cancellation insurance up to $10,000 per person; baggage delay insurance up to $100 per day for 3 days; trip delay reimbursement up to $500 per ticket.
No Foreign Transaction Fees »
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
Concierge »
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Call 1-800-953-7392 to get complimentary assistance making dinner reservations, buying theater tickets, getting travel guides, sending gifts/flowers, and dozens of other specific requests.
Roadside Assistance »
Free roadside assistance through Cross Country Motor Club at 1-866-860-7978. Up to $50 maximum for each service event, up to 4 events each year, separated by at least 7 days.
Free roadside assistance through Cross Country Motor Club at 1-866-860-7978. Up to $50 maximum for each service event, up to 4 events each year, separated by at least 7 days.
Free Checked Bag »
You and one traveling companion will each receive 2 free checked bags.
You and one traveling companion will each receive 2 free checked bags.
Hotel Perks »
Automatic Platinum status includes: priority check-in, late checkout, free internet & complimentary room upgrades (not available during reward stays).
Automatic Platinum status includes: priority check-in, late checkout, free internet & complimentary room upgrades (not available during reward stays).
Purchase Protection »
Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.
Your new purchases are covered for 120 days against damage or theft, up to $10,000 per claim, and $50,000 per year.
Extended Warranty »
Eligible warranties of 3 years or less can be extended up to 1 additional year.
Eligible warranties of 3 years or less can be extended up to 1 additional year.
Price Protection »
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. The limit is $500 per item, $1,000 per year.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. The limit is $500 per item, $1,000 per year.
Point Transfer Options
Transfer To Spouse/Partner Yes - $$
Transfer To Friends Yes - $$
Travel Partner Transfers
Outside Point System United MileagePlus
Transfers In From
Chase Ultimate Rewards
1:1 81% value retained
Marriott Bonvoy
3:1.1 68% value retained
World of Hyatt
5:2 33% value retained
United Club Application Rules
If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus.
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if you apply for a third Chase card of any kind within 30 days
Chase will decline your application you apply for a 5th Chase card (personal or BUSINESS) in 6 months
Ranking of Cards Offering United MileagePlus
Best for Series
Below is a snapshot of where this card performs best compared to the other cards in our database:
Rank
6th
Rank
1st
Honorable Mention
Breaking Points
November 15, 2024
United Club Infinite Card
June 18, 2024
Time to stock up on United Points
- United Explorer Chase Card - 60,000 miles after spending $3000 in 3 months - Annual fee waived first year, then $95/year.
- United Quest Chase Card - 70,000 miles + 500 PQP after spending $4000 in 3 months - $250/annual fee.
- United Club Infinite Card - Up to 100,000 miles after spending $5000 in 3 months, using your promotional code & adding an authorized user - $525/annual fee.
November 14, 2023
Mini Points - December 2023
Limited Time Offers Going on NOW:
- United Explorer Chase Card - 60,000 Miles after spending $3000 in 3 Months - $95 Annual fee (waived the first year).
- United Quest Chase Card - 70,000 Miles after spending $4000 in 3 Months - $250 Annual fee (card comes with 5000 PQP).
- United Club Infinite Chase Card - 90,000 Miles after spending $5000 in 3 Months - $525 Annual fee (card comes with lot's of extras to off-set the annual fee).
November 10, 2022
United Sign Up Bonus on 3 different Cards
Chase United Cards have 3 Limited Time offers:
1. United Explorer - 60,000 Bonus miles after spending $3000 in 3 months, $95 annual fee is waived for the first year.
2. United Quest Card - 80,000 Bonus miles after spending $5000 in 3 months, $250 annual fee.
3. United Club Infinite Card - 100,000 Bonus miles after spending $5000 in 3 months, $525 annual fee.
Remember the higher the annual fee the more the card has to offer, so before you get scared away by that, look into if it makes sense for your upcoming travel plans.