United Club Infinite card evaluate: Earn 100,000 miles and get impressive advantages, including full United Club membership and hotel elite status

Insider’s consultants select one of the best merchandise and providers to assist make good selections together with your cash (here’s how). In some circumstances, we obtain a fee from our our partners, nevertheless, our opinions are our personal. Terms apply to gives listed on this web page.

While there are different rewards playing cards which are nice for United flyers, the United Club℠ Infinite Card is probably the most high-end of the bunch. Not solely does it supply a full United Club airport lounge membership, however it might additionally enable you rack up the miles at no cost journeys shortly by way of on a regular basis spending. The card gives an elevated United Club℠ Infinite Card. That’s value a median of United Club℠ Infinite Card in journey, per Insider’s valuations.

Review: Is the United Club Infinite one of the best credit score card for you?

United Airlines frequent flyers have quite a lot of nice selections in relation to rewards bank cards. The United℠ Explorer Card is a strong possibility for people who need elite-style perks with out a big annual payment, for example. However, United and its issuer associate, Chase, supply a premium credit card — the United Club℠ Infinite Card — that may simply be the most suitable choice of all.

The United Club℠ Infinite Card is providing a welcome bonus of United Club℠ Infinite Card. That’s 20,000 factors greater than the earlier supply.

One of this card’s true standout advantages is United Club airport lounge membership. Cardholders and as much as two visitors or speedy household get entry to all United Club places plus collaborating Star Alliance lounges worldwide. If you steadily journey by way of airports with these lounges, this perk can prevent some huge cash and make your journey expertise rather more comfy. 

If you verify baggage with United, the United Club℠ Infinite Card gives different huge financial savings. The main cardholder and as much as one companion on the identical reservation can get their first and second checked baggage free on United flights — value as much as $320 round-trip if each passengers every verify two baggage.

The United Club℠ Infinite Card accrues a whopping 4 miles per greenback on United purchases, including not solely tickets, but additionally extras like Economy Plus seat assignments, inflight meals, drinks, and Wi-Fi, and different expenses like if it’s essential verify additional baggage. That’s greater than nearly some other airline credit score card earns by itself co-branded service, and can enhance your mileage steadiness into the stratosphere if you are going to buy quite a lot of United fares.

Aside from the airline bonus, the United Club℠ Infinite Card additionally racks up 2 miles per greenback on a broad vary of journey purchases, that means you could possibly use it for all the things from hotel bookings and automotive leases to coach tickets and rideshares. It additionally earns 2 miles per greenback on eating, including eligible meals supply providers like GrubHub, Seamless, and DoorDash. It earns 1 mile per greenback on all the things else.

The United Club℠ Infinite Card‘s present welcome bonus supply and different advantages like complimentary IHG Rewards hotel elite status, free checked baggage, and a reduction on saver award flights nonetheless make it value contemplating — particularly if it’s essential begin saving up some miles to your subsequent journey. 

We’re targeted right here on the rewards and perks that include every card. These playing cards will not be value it in the event you’re paying curiosity or late charges. When utilizing a credit score card, it is vital to pay your steadiness in full every month, make funds on time, and solely spend what you’ll be able to afford to pay.

How to earn miles with the United Club Infinite card

The United Club℠ Infinite Card has a wonderful incomes fee on eligible United purchases, however you will additionally earn bonus miles on a broad vary of different bills. Cardholders earn:

• 4 miles per greenback on eligible United purchases (including airline tickets bought from United, United seat upgrades, Economy Plus, inflight meals, drinks, and Wi-Fi, baggage service expenses, different United charges, and United Card Events from Chase)
• 2 miles per greenback on journey (including airfare, trains, native transit, cruise strains, lodges, automotive leases, taxicabs, resorts, rideshare providers, and tolls)
• 2 miles per greenback on eating (including eligible supply providers)
• 1 mile per greenback on all different eligible purchases

How to make use of United miles

You can redeem United miles for flights on United and its Star Alliance companions, like Lufthansa, Air Canada, and Singapore Airlines. United additionally companions with a handful of airways outdoors of main alliances, including Aer Lingus and Hawaiian Airlines.

Because United not has an award chart, the variety of miles required for a flight varies based mostly on demand, paid ticket worth, and season.

One-way home economic system award tickets begin at 5,000 miles, however can go as much as over 30,000 miles. You can discover saver enterprise or first-class awards inside the US for as few as 25,000 miles. From the US to different areas, costs begin at round 32,500 miles in economic system and circa 60,000 miles in enterprise class.

United additionally gives a redemption possibility referred to as “Money + Miles.” Similar to Delta’s Pay With Miles, it is presently out there on choose United flights, and permits you to pay for a part of your fare with money and the remainder with miles, at a set fee of 1 cent per mile.

That’s a decrease fee than our common United miles worth, however this may be useful if you do not have sufficient miles for an award ticket however wish to cut back your out-of-pocket prices.

If you are not able to journey but, there is no rush to spend your miles as a result of United miles don’t expire. There are different redemption choices, however you will usually get a a lot decrease worth:

• Seat upgrades
• United Club memberships
• Inflight Wi-Fi passes
• TSA PreCheck application fees
• Merchandise
• Gift playing cards
• Experiences
• Hotels and cruises 
• Charitable donations

Benefits and options

Any airline credit card you are contemplating ought to embrace a number of journey perks to make the flying expertise that a lot better and, in some circumstances, cheaper. The United Club℠ Infinite Card is not any exception, with a slew of elite-like advantages.

United Club airport lounge entry

While many travel credit cards offer airport lounge access, it normally comes with quite a lot of situations. If you are truly a frequent United flyer, although, and can use the airline’s personal lounges when touring, the perk provided by the United Club℠ Infinite Card is that this card’s greatest promoting level.

That’s as a result of, as a substitute of simply entry to golf equipment, this card confers full United Club membership. This means the first cardmember can enter United Clubs together with as much as two grownup visitors, or one different grownup and any youngsters underneath the age of 21. They can even get into lots of the airline’s Star Alliance associate airways’ lounges around the globe.

Just keep in mind that United Club membership doesn’t get you into the airline’s swanky Polaris Lounges. For that, you will want a same-day boarding move for journey in United Polaris or enterprise class on one other Star Alliance member airline on a long-haul worldwide flight.

United Club membership prices $650 for non-cardholders, so in the event you do plan to make use of this profit, getting the United Club℠ Infinite Card scores you a reduction of about $125.

Free first and second checked bag

The main cardholder and one companion touring on the identical reservation will every obtain their first and second checked bag on United flights at no cost once they use the card to pay for his or her ticket (or taxes and charges on an award ticket).

That’s value as much as $80 per particular person every means, as a result of United expenses $35 for the primary checked bag and $45 for the following.

Premier entry

Along with United elites, United Club℠ Infinite Card members can benefit from precedence check-in, safety screening, boarding, and baggage dealing with when flying United.

Inflight reductions

Need to buy a snack on board or make amends for some work emails? Cardholders obtain 25% back as a statement credit on purchases of meals, drinks, and Wi-Fi aboard United-operated flights once they use their card to pay.

Premier upgrades

If you will have this card and are additionally a United MileagePlus Premier elite member, you are eligible for complimentary upgrades for your self and one companion on the identical reservation on United flights, even when touring on an award ticket. 

Saver award reductions

A comparatively new good thing about the United Club℠ Infinite Card is a reduction on economic system saver award flights inside the continental US and Canada.

Primary cardholders pay 10% fewer miles, and you need to see the low cost whenever you’re signed in to your United account on-line and seek for an eligible award.

Expanded award availability

As with United’s other co-branded cards, United Club℠ Infinite Card members have entry to expanded award space not out there to non-cardholders, which ought to make reserving these mileage tickets just a little simpler.

Premier Qualifying Points (PQP)

Cardholders obtain 500 Premier Qualifying Points (PQP) for each $12,000 spent on purchases with the card, as much as 3,000 PQP per calendar 12 months. Starting January 1, 2022, the utmost has been elevated to 4,000 PQP per calendar 12 months.

This is helpful in the event you’re working towards the following degree of elite status and want a lift.

IHG Rewards elite status and assertion credit

United Club℠ Infinite Card cardholders are eligible for complimentary IHG Rewards Club Platinum status, which will get you perks like room upgrades (the place out there), late checkout, complimentary web, a welcome present, bonus factors, free drinks in some lodges, and extra.

In addition, cardholders obtain as much as $75 in assertion credit towards IHG Hotels and Resorts purchases charged to their card between January 1, 2022, and December 31, 2022.

CLEAR membership low cost

The main cardholder can obtain a $70 low cost on CLEAR membership (usually $189 per 12 months). CLEAR is an expedited security program that permits you to skip safety screenings at choose US airports (and a number of sports activities stadiums). Instead of displaying your ID and or paperwork, CLEAR makes use of your biometrics, like face and eyes, to verify your id and mean you can go on to secondary screening. 

Application payment credit score for Global Entry, TSA PreCheck, or NEXUS

Like many different premium rewards playing cards, this one will reimburse you for a TSA PreCheck ($85), Global Entry ($100), or NEXUS software payment as soon as each 4 years, which ought to enable you pace by way of safety, customs, and immigration that a lot sooner.

Primary rental automotive insurance coverage

Only a handful of journey rewards bank cards, including the Chase Sapphire Reserve® and Chase Sapphire Preferred® Card, lengthen main protection on automotive leases.

With the United Club℠ Infinite Card, you’ll be able to decline the company’s normally costly protection and will not must take care of your individual private insurance coverage in case your rental automotive is broken or stolen. Just be aware that it would not cowl medical bills, however pertains to the automotive itself.

Trip cancellation/interruption insurance coverage

This card covers you if your trip is canceled or cut short for a lined purpose and will reimburse you for pre-paid non-refundable bills as much as $10,000 per particular person and $20,000 per journey.

Trip delay protection

If your widespread service (like an airline or cruise ship) is delayed by more than 12 hours or requires you to remain someplace in a single day, United Club℠ Infinite Card cardholders can declare as much as $500 per ticket for bills reminiscent of lodging or meals.

Baggage delay insurance coverage

If your bag is delayed by greater than six hours, you’ll be able to anticipate as much as $100 per day for as much as three days to buy requirements like clothes and toiletries.

Lost baggage reimbursement

If your bag (or your speedy member of the family’s) is misplaced altogether, you’ll be able to declare as much as $3,000 per lined passenger.

Emergency evacuation insurance coverage

This card covers as much as $100,000 for you, your partner or home associate, and your legally dependent youngsters for emergency evacuation and associated emergency medical providers.

Purchase safety

If an merchandise you buy together with your card is damaged or stolen inside 120 days, the United Club℠ Infinite Card will think about claims of as much as $10,000 per declare and $50,000 per 12 months.

Return safety

If a service provider will not take again an merchandise you purchased, in the meantime, you could possibly be eligible for reimbursement of as much as $500 per merchandise and $1,000 per 12 months inside 90 days of buy.

Extended guarantee

When you utilize the United Club℠ Infinite Card to pay, it extends the US authentic producer’s guarantee on eligible objects by a 12 months, on warranties of three years or much less. 

Visa Infinite concierge

The Visa Infinite concierge might help you coordinate issues like hard-to-get tickets to theater and sporting occasions or restaurant reservations. The service itself is free, however any third-party prices are your accountability.

Chase Luxury Hotel and Resort assortment

United Club℠ Infinite Card cardholders can guide by way of the Chase Luxury Hotel & Resort Collection. These are upscale lodges that supply elite-like perks whenever you guide by way of this system, like complimentary breakfast, distinctive advantages or credit particular to every property, room upgrades, and different extras like early check-in and late checkout (when out there).

Be certain to check the charges and perks you will get whenever you guide by way of the Chase Luxury Hotel & Resort Collection to reserving with the hotel instantly. Sometimes Chase charges are costlier, and the advantages do not all the time outweigh the upper price.

Complimentary DoorDash DashPass membership 

With the United Club℠ Infinite Card, you’ll be able to activate a 12 months of complimentary DashPass membership, a service that may prevent cash whenever you order meals for supply or pickup by way of DoorDash. With DashPass, you will get waived supply charges and decreased service charges on orders of $12 or extra.

Pickup orders are additionally eligible for five% again in DoorDash credit score. Normally, a subscription prices $9.99 per 30 days, and DoorDash says the typical DashPass consumer saves about $5 per order, so this may translate into important financial savings in the event you use the service commonly. Activation of this profit is required by December 31, 2024.

Fees and prices

The United Club℠ Infinite Card has an annual payment of $0 for the primary 12 months, then $525. As we mentioned above, it may be well worth the annual payment in the event you use the United Club membership and different United advantages. There are no foreign transaction fees.

The key to avoiding different charges with this card – as with all different playing cards — is to pay your steadiness in full every month so you do not rack up curiosity. If you do want to hold a steadiness, there is a 16.49% – 23.49% Variable APR. There’s no introductory APR period on the United Club℠ Infinite Card, so you will begin accruing curiosity instantly if you cannot pay your assertion steadiness every month.

Balance transfers cost 5% with a $5 minimal, and cash-advance transactions cost 5% with a $10 minimal. Late fee and returned fee charges are as much as $40 per prevalence.

Comparison: United Club Infinite vs different United bank cards

*When you utilize your card to pay to your ticket, or the taxes and charges on an award ticket

****Up to 1,000 PQP in a calendar 12 months for the United Explorer Card; as much as 3,000 PQP in a calendar 12 months for the United Quest and United Club Infinite card (as much as 4,000 PQP in a calendar 12 months on the Infinite card beginning January 2022)

United Club Infinite vs different premium airline bank cards

United Club Infinite card — Frequently Asked Questions (FAQ)

Is the United Club Infinite Club value it?

The United Club℠ Infinite Card has a steep annual payment, however it may be value it in the event you can benefit from the card’s many advantages. It’s greatest suited to frequent United flyers who can take advantage of United Club airport lounge entry, free checked baggage, precedence boarding, and different journey perks.

If you are excited by getting some United perks (like a free checked bag and precedence boarding) and not using a huge annual payment, the United℠ Explorer Card is probably going a greater match. This card additionally comes with two one-time United Club passes annually, so you’ll be able to nonetheless get a style of the airline’s airport lounges.

Who is eligible for the United Club Infinite card?

The United Club℠ Infinite Card is just out there to people who don’t presently have a United Club card, and haven’t obtained a brand new cardmember bonus for some other United Club card within the final 24 months.

This card can also be topic to Chase’s 5/24 rule — in the event you’ve opened 5 or extra playing cards (from any financial institution) up to now 24 months, you are not eligible.

What credit score rating do you want for the United Club Infinite card?

Because it is a premium card, you will want an excellent credit score to be authorised for the United Club℠ Infinite Card. This means a FICO score of a minimum of 800.

If you are still engaged on getting your credit score rating into that vary, make sure you learn Insider’s guides to improving your credit score and how using credit cards can help boost your score.

When do you get United Club membership with the United Club Infinite card?

Your United Club membership will activate inside about two weeks of opening a brand new United Club℠ Infinite Card. Chase says to anticipate your United Club membership card to reach within the mail about six weeks after the account open date.