United Club℠ Infinite Card

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Last updated on May 6th, 2022

United Club Infinite Card

United Club Infinite Card
  • Regular Purchase APR 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee $525
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
  • Processing Network Visa
Best Benefits
  • 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 including eligible delivery services
  • 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 on board United-operated flights when you pay with your Club Infinite Card
Rates & Fees
  • Regular Purchase APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 16.74% to 23.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Annual Fee: $525
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
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At a Glance

A premier travel card for those who journey often, the United Club℠ Infinite Card includes a host of benefits found in very few other airline credit cards.

Ideal for Those Who:

  • Travel often
  • Frequently book with United Airlines
  • Make use of airport lounges
  • Want a credit card that can be used worldwide without being charged foreign transaction fees
  • Want to take advantage of additional perks when staying at hotels around the globe

United Club℠ Infinite Card Review

Competing with The Platinum Card® from American Express, and even Chase’s own Sapphire Reserve®, the United Club Infinite Card has plenty of features at its disposal for the frequent voyager. And since the United Club Card is a competitor for some of the heaviest hitters in the travel credit cards space, it naturally also features a lucrative welcome offer. New accounts can earn a bonus of 100,000 miles after spending $5,000 on purchases from account opening in the first three months.

Remember that Chase welcome offers are only 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.

After adding in the miles earned for your purchases totaling that $5,000 goal, new cardholders could be looking at anywhere between 126,000 and 144,000 MileagePlus miles. This means the initial bonus could reach upwards of 140,000+ miles for spending just $5,000.

How to Earn MileagePlus Miles

The United Club Infinite Card offers enhanced miles on select purchases- but not at the levels you might expect from a card with a $525 annual fee. The card earns 4x miles on United purchases, 2X on all other travel, 2X on dining, and 1X miles per $1 spent on all other purchases.

The 4X MileagePlus miles per dollar spent on United-operated flights is great. However, an additional point on all other travel purchases may position the card better against other luxurious travel cards. Fortunately, that 2X point “all other travel” category includes airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare services, and tolls.

Miles in the MileagePlus program never expire.

How to Redeem Miles

Redeeming MileagePlus miles is a straightforward process. The most common is to redeem rewards for flights, either with United Airlines directly or through Star Alliance partners. Bonuses also apply to several other airline partners, retail, and travel options.

The simplest way to redeem is by booking United or United Express award tickets and flights. MileagePlus currently offers two types of award seat: Saver Awards and Everyday Awards:

  • Saver Awards: More economical, with redemption flights from 5,000 to 12,000 miles. These low-cost award flights have lower availability, making them difficult to book.
  • Everyday Awards: More availability – at a higher price. Everyday Award flights offer unrestricted access for elite-tier MileagePlus members.

Rewards are also redeemable for award flights with codeshare and Star Alliance partners:

Star Alliance and Other United Travel Partners

  • Adria Airways
  • Aegean Airlines
  • Air Canada
  • Air China
  • Air Dolomiti
  • All Nippon Airways
  • Air India
  • Air New Zealand
  • Asiana Airlines
  • Avianca
  • Brussels Airlines
  • Austrian Airlines
  • Copa Airlines
  • Croatia Airlines
  • EgyptAir
  • Ethiopian Airlines
  • EVA Air
  • LOT Polish Airlines
  • Lufthansa
  • Scandinavian Airlines
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • Swiss International Air Lines
  • TAP Air Portugal
  • Thai Airways
  • Turkish Airlines
  •  Azul Brazilian Airlines
  • Cape Air
  • Boutique Air
  • Olympic Air
  • Edelweiss
  • Eurowings
  • Great Lakes Airlines
  • Hawaiian Airlines
  • Silver Airways
  • Aer Lingus
  • Choice Hotels
  • IHG Hotels
  • Hyatt
  • Marriott
  • Radisson
  • Wyndham
  • Hertz Car Rentals
  • Dollar Rent-a-Car
  • Carnival Cruises
  • Holland America
  • Norwegian Cruises

Note: For a complete listing of United and Star Alliance partners, please visit the Ultimate Star Alliance Program Guide

United Benefits

As you plan and embark on your travels with the United Club Infinite Card by your side, you can take advantage of free first and second checked bags for yourself and one companion. Premier Access® services allow you to undergo an expedited check-in and security screening process, as does up to $100 as a statement credit for Global Entry or TSA PreCheck™ every four years as reimbursement for the application fee for either program when charging the fee to the card.

You can wait for your flight with your eligible companions at any United Club and participating Star Alliance™ lounge around the world thanks to a complimentary United Club℠ membership. And once you arrive at your destination, you have the option to choose from over 900 partner hotels and resorts that will grant you exclusive benefits like daily breakfast, room upgrades, and extended check-in/check-out times.

Other notable United benefits include :

  • Earn 500 PQP for every $12,000 you spend on purchases (up to 4,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level
  • Save 10% on United Economy Saver Awards on United and United Express flights when traveling within the continental U.S. or between the continental U.S. and Canada

Other Travel Perks

United perks are the only travel benefits with the United Club℠ Card. It also enjoys a huge selection of other travel-centric and globe-trotting benefits, starting with no foreign transaction fees.

Beyond the near-global acceptance of the visa payment network, cardholders enjoy a exclusive President’s Circle tier of the Hertz Gold Plus Rewards program. This perk entitles the primary accountholder to 50% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers,  and more upon enrollment.

They’ll also enjoy access to the Visa Infinite Luxury Hotel & Resort Collection. This collection provides exclusive access to premium resorts, plus room upgrades, complimentary daily breakfast for two, early check-in & late check-out (if available) and other amenities at more than 900 luxury hotels and resorts worldwide.

Other travel perks and privileges include:

  • IHG Rewards Platinum Elite status, with up to $75 in statement credits
  • $70 discount on CLEAR® membership

United MileagePlus Credit Card Comparison

Unsure which United Airlines credit card is right for you? Here is a quick breakdown of all of Chase’s personal United Airlines credit cards:

United Gateway℠ Card

Visa Signature
20,000 bonus miles (after $1,000 spend in first 3 months of account opening)
  • No annual fee
  • 2X miles on United purchases
  • 2X miles on gas, local transit and commuting
  • 0% intro APR for 12 months from account opening on purchases
United℠ Explorer Card

United℠ Explorer Card

Visa Signature
50,000 bonus miles (after $3,000 spend in first 3 months of account opening)
  • $0 intro annual fee for the first year, then $95
  • Free first checked bag - terms apply
  • 2X miles on United purchases
  • 2X miles on dining and hotels
  • 2 United Club one-time passes per year
  • Up to 1,000 Premier qualifying points
  • Up to $100 Global Entry® or TSA PreCheck® fee credit

United Quest℠ Card

Visa Signature
70,000 bonus miles (after $4,000 spend in first 3 months of account opening)
  • $250 annual fee
  • $125 annual United purchase credit
  • 3X miles on United purchases
  • 2X miles on dining, all other travel and select streaming services
  • Two 5,000-mile anniversary award flight credits – terms apply
  • Free first and second checked bags – terms apply
  • Up to 3,000 Premier qualifying points
  • Up to $100 Global Entry® or TSA PreCheck® fee credit

United Club℠ Infinite Card

Visa Infinite
100,000 bonus miles (after $5,000 spend in first 3 months of account opening)
  • $525 annual fee
  • United ClubSM membership
  • Free first and second checked bags – terms apply
  • 4X miles on United purchases
  • 2X miles on dining and all other travel
  • Up to 4,000 Premier qualifying points
  • Up to $100 Global Entry® or TSA PreCheck® fee credit

Be Wary of the Annual Fee

As eye-opening as all the perks included with this card is its annual fee: $525 is no small amount, and you’ll have to cash in on everything the United Club Infinite Card has to offer to offset the yearly charge. As you start to add the value of each individual amenity, though, you’ll eventually surpass the annual fee, hence the benefit in using every feature.

Other Card Features

Other notable features of the United Infinite include:

  • Trip Cancellation Insurance: If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels.
  • Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
  • Visa Concierge access
  • Lost luggage and baggage delay insurance
  • Visa Auto Rental Collision Damage Waiver
  • Extended warranty protection

Card Availability

Chase credit, debit, and banking products are available in all 50 U.S. states plus the District of Columbia.

card available nationwide

FAQs About the United Club Infinite

Here are some of the most commonly asked questions regarding the United Quest Visa Signature, along with the answers:

  • The United Club℠ Infinite Card offers 4X miles per $1 spent on United purchases, 2X miles per $1 spent on dining, including eligible delivery services and all other travel, and 1X mile per $1 on all other purchases. The card also provides CLEAR and TSA Precheck statement credits, lounge access through Priority Pass Select and United Club, and more. 
  • Award flights in the United MileagePlus start as low as 12,500 miles for economy flights and 30,000 miles for business fares. 
  • The annual fee for the United Club card is currently $525.

JP Morgan Chase and United Club Visa Card Ratings

How does the Chase United Airlines Visa stack up? Here are a selection of expert reviews for the card, as well as an overview of JP Morgan Chase as a bank:


TrustPilot Rating


User Rating


Should You Apply for the United Club℠ Infinite Card?

The United Card’s annual fee of $525 may have your head spinning, but it offers much for that charge. Frequent travelers willing to invest their money towards travel rewards and airline benefits won’t be disappointed. There is so much to offer with this card that it easily recoups the annual fee. Of course, for those that don’t fly with United, the $525 value isn’t there. Fortunately, there are many other great airline cards. This includes options at a lower price point. or even ones with no annual fee.

While the annual fee is steep, the United Club Infinite is oriented towards the premier United MileagePlus member. The card doesn’t earn any PQPs (premier qualifying points) on its own, but for those that fly with United, it is a great tool for racking up PQPs and PQFs (Premier qualifying flights) at a dizzying rate.

The United Club access makes this a card that begs to be used for its original intent – and it will repay the user in spades. In the realm of airline cards, Chase’s United Infinite Card is an excellent choice – for those who can offset the big yearly price tag.

Browse Other United Credit Cards