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United Club Infinite Card: Is it worth it?

Chase’s newest co-branded credit card offers major perks to United flyers – but you’ll have to pay a steep annual fee

Summary

If you’re a frequent flyer who prefers United, wants to take advantage of high-level travel rewards and has time to visit United Club lounges before your flights, applying for the United Club Infinite Card could be a smart move.

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If you regularly fly United Airlines, you might be interested in Chase’s newest co-branded credit card: the United Club℠ Infinite Card. This card is the latest in a growing trend of high-rewards, high-annual-fee travel credit cards, and its $525 annual fee (waived in the first year) puts it right in line with the competition.

With the United Club Infinite Card, you can get what you pay for. You’ll receive full United Club membership, which can be worth up to $650 per year. Add in additional travel benefits like first and second checked bags free, United Premier access, 25% off onboard purchases and more, and this card could be very valuable for the frequent United flyer.

But is the United Club Infinite Card right for you? Let’s take a closer look.

What does the United Club Infinite Card offer?

The United Club Infinite Card offers a high-level package of rewards and benefits designed to appeal to United Airlines frequent travelers. You’ll have the opportunity to earn plenty of United MileagePlus miles, starting with 4 miles per dollar on United purchases and 2 miles per dollar on all other travel, including travel with other airlines.

The card is not currently offering a sign-up bonus, but it is waiving its high annual fee in the first year. That’s virtually unheard of for luxury travel cards.

The United Club Infinite Card offers a number of additional benefits, including full United Club membership, which comes with access to United Club lounges and is worth up to $650 per year. You’ll also get United Premier access, which allows you to take advantage of designated check-in lines and priority baggage handling, among other perks. Plus, you get your first and second checked bag free, a Global Entry/TSA Precheck credit of up to $100, 25% off onboard purchases and more – all of which can help you save money as you travel and help offset the cost of the United Club Infinite Card’s annual fee after the first year.

United Club Infinite Card

Why should you get this card?
If you’re a frequent United flyer and value comfort when you travel, the rewards and benefits the Chase United Club Infinite card offers can offset its high annual fee.

Rewards rate:

  • 4 miles per dollar on United purchases
  • 2 miles per dollar on all other travel (including other airlines)
  • 2 miles per dollar on dining
  • 1 mile per dollar on other purchases

Annual fee:

  • $525, waived in the first year

Other card benefits:

  • Up to $100 credit for TSA Precheck or Global Entry
  • Full United Club membership
  • United Premier Access
  • First and second checked bags free
  • Hertz Gold Plus Rewards® President’s Circle®
  • 25% off onboard purchases
  • No blackout dates
  • No foreign transaction fees

How much is the United Club Infinite Card’s annual fee?

The United Club Infinite Card has a $525 annual fee, but it is waived in the first year. That’s significantly more than what you’ll pay with many of the top travel credit cards, but it’s on par with some of the highest-reward travel cards on the market – including the Chase Sapphire Reserve® and The Platinum Card® from American Express (both of which have $550 annual fees).

The big difference here is that the United Club Infinite Card is designed specifically for United travelers. The Chase Sapphire Reserve and the Platinum Card offer rewards that can be redeemed for different kinds of travel purchases or transferred to a number of travel loyalty programs, but the United Club Infinite Card really only benefits United members who spend serious time flying United. If that’s you, the United Club Infinite Card might be worth the $525 annual fee.

Who should consider the United Club Infinite Card?

If you fly United regularly and want to take advantage of United Club membership, the United Club Infinite Card might be worth considering. Your United Club membership by itself can be worth up to $650 per year, depending on how much lounge access you’re able to take advantage of.

You can also take a look at your history of United Airlines spending and ask yourself how many miles you might have earned. At 4 miles per dollar on United purchases and an estimated value of 1.5 cents per mile on average, you’d need to spend $8,750 per year on United to earn 35,000 miles or a potential $525 in value (not including the rewards you earn on other purchases).

Of course, you’ll also enjoy free checked bags, the Global Entry/TSA Precheck credit and other cost-saving perks.

If you evaluate your previous United spending and decide the United Club Infinite Card might not be worth the cost, you might want to consider the United Explorer Card instead. The United Explorer Card also earns MileagePlus miles – 2 miles per dollar on United purchases, restaurants and hotel stays – and comes with its own sign-up bonus and travel perks. With an annual fee of $0 the first year and $95 every subsequent year, the United Explorer Card could be an affordable, rewarding alternative.

Is the United Club Infinite Card worth it?

If you’re a frequent flyer who prefers United, wants to take advantage of high-level travel rewards and has time to visit United Club lounges before your flights, applying for the United Club Infinite Card could be a smart move. Yes, the $525 annual fee is a little steep compared to other airline credit cards, but the value of the card’s many benefits – not to mention the fact that there is no fee in the first year – can make the United Club Infinite Card more than worth it.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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