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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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United Club℠ Infinite Card
U.P. Rating
The rating for this card has been determined by our own industry
experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates
and fees are all taken into account. Compensation from the issuer does not affect our rating.
We only recommend products we either use ourselves or endorse.
4
80,000 miles
$525
Excellent (740-850)
United Club℠ Infinite Card
Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
U.P. Rating
The rating for this card has been determined by our own industry
experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates
and fees are all taken into account. Compensation from the issuer does not affect our rating.
We only recommend products we either use ourselves or endorse.
The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.
United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.
Card Details
Card Snapshot
Welcome Bonus & Info
Earn 80,000 bonus miles after qualifying purchases
Earn 4 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent on all other travel and dining
Earn 1 mile per $1 spent on all other purchases
Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services
10% United Economy Saver Award discount within the continental U.S. and Canada
Earn up to 8,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
You want to reach higher levels of United elite status
Don’t Get If
You seldom fly with United
You prefer a card that earns transferable points
You don’t think the benefits justify the card’s annual fee
United Club Infinite Card — Is It Worth It?
The United Club Infinite card is ideal for United loyalists that are looking for a premium card that provides great perks and an annual United Club membership so that they can enjoy airport lounge access.
A great option for those who are looking to reach higher levels of United elite status, the United Club Infinite card allows you to earn up to 8,000 PQPs each year through your card spending.
Put simply, if you are a United Airlines loyalist and are looking to reach high levels of elite status with the airline, then the United Club Infinite card would be a good fit for you.
United Club Infinite Card Top Benefits
United Club Infinite Card Travel Benefits
If you’re looking for a card that provides tons of perks to United flyers, then you’ll love what the United Club Infinite card has to offer.
United Club Access — Cardholders receive complimentary access to all United Club lounges.
Free Checked Baggage — You and 1 companion on the same reservation will each receive your first and second standard checked bag free when you pay for your flight with the United Club Infinite card.
United Premier Access — Premier Access not only offers priority boarding, but also priority check-in, security screening (where available), and baggage handling.
25% Back on United Inflight Purchases — When you use your United Club Infinite card to purchase food, beverages, or Wi-Fi on board, you’ll receive 25% back as a statement credit.
Complimentary Premier Upgrades — Get a space-available seat upgrade to the next cabin class when flying on United award tickets.
Expanded Award Availability — Cardholders have no restrictions or blackout dates on award flight availability.
Up to 8,000 Premier Qualifying Points — For every $12,000 spent on your card, you’ll earn 500 PQPs towards your next level of United elite status, up to 8,000 PQPs each year.
10% Discount on United Economy Saver Awards — Receive a discount within the continental U.S. and Canada.
Complimentary IHG One Rewards Platinum Elite Status and $75 Annual Credit — Receive complimentary room upgrades and extended checkout, plus up to $75 in statement credits as reimbursement for IHG Hotels and Resorts purchases.
Complimentary Avis President’s Club Elite Status — Enjoy complimentary 2-car class upgrades, guaranteed car availability, expedited rental service, and more.
$70 Discount on CLEAR Membership Plus 10,000 Bonus Miles — Receive a $70 discount on the $179 CLEAR annual membership and 10,000 bonus miles for a new CLEAR subscription.
United Club Infinite Card Travel and Purchase Protections
Frequent travelers will love the protections they receive thanks to their United Club Infinite card.
Trip Delay Coverage — When you purchase your flight with your United Club Infinite card, and it is delayed by more than 12 hours, or overnight, you’re covered for up to $500 in charges towards necessities like food and lodging.
Lost or Delayed Baggage Insurance — If your luggage is lost or damaged by the airline, you’re covered for up to $3,000. If the airline delays your bag by more than 6 hours, you’re covered up to $100 a day, for up to 3 days, towards necessary expenses.
Trip Cancellation Insurance — Trips that must be canceled due to covered situations are covered for up to $10,000 per traveler, and $20,000 per trip, for non-refundable travel expenses.
Rental Car Insurance — Primary rental car insurance coverage covers theft and collision damage to your rental vehicle.
Return Protection — You’ll be reimbursed for items that the store will not accept a return for within 90 days of purchase, up to $500 per item and $1,000 per year.
Purchase Protection — Items purchased with your card are covered in the case of theft or accidental damage, up to 120 days from the purchase date, for up to $10,000 per claim and $50,000 per year.
Extended Warranty Coverage — Any items purchased with your card that have extended warranties of 3 years or less will be extended by 1 additional year.
Best Ways To Earn and Redeem United Miles
Besides flying and using your credit card, how else can you rack up United miles? Well, there are quite a few options actually! From transfer partners to airline shopping and dining programs, there are tons of great ways to earn United miles.
As most award travelers know, earning miles can be the easy part, but putting them to good use can be a bit more difficult. We’ve got you covered, though, with our guide to the best ways to redeem United miles for max value.
Alternative Cards to the United Club Infinite Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
The newest addition to United’s lineup of cards is the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.
2x miles per $1 spent on travel, dining, and select streaming services
$125 annual United credit
2 5,000-mile anniversary award flight credits
Free first and second checked bag for you and 1 traveling companion
Priority boarding
25% back on United inflight purchases
Complimentary Premier Upgrades on United-operated award tickets (when available)
Expanded award availability
Up to 3,000 Premier Qualifying Points
Up to $100 Global Entry/TSA PreCheck/NEXUS credit
Travel and shopping protections including trip delay insurance, lost/delayed luggage insurance, rental car insurance, purchase protection, and extended warranty protection
Cons
Does not earn transferable rewards
Does not offer airport lounge access
$250 annual fee
Earn 60,000 bonus miles and 500 PQP after qualifying purchases
Earn 3 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent on all other travel, dining and select streaming services
Earn 1 mile per $1 spent on all other purchases
Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
Up to a $125 United® purchase credit and two 5,000-mile anniversary award flight credits each year (terms apply)
Earn up to 6,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
<ul><li><a href="/credit-cards/best-chase-united-credit-cards/">Best Chase United Credit Cards</a></li><li><a href="/credit-cards/best-credit-cards-for-united-flyers/">Best Credit Cards for United Flyers</a></li></ul>
If you’re a frequent United flyer but aren’t interested in paying the high annual fee of the United Club Infinite card, then the United Quest card is a happy medium. It offers 3x miles per $1 on United purchases and 2x miles per $1 on travel, dining, and streaming purchases. Plus, it offers many of the benefits that the United Club Infinite card offers, like free checked bags, priority boarding, and complimentary premier upgrades.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros
The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges,Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
5x points per $1 spent on prepaid hotels booked with American Express Travel
Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
TSA PreCheck or Global Entry credit
Access to American Express Fine Hotels and Resorts
Airline credit does not cover airfare (only incidentals like checked bags)
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
If you want a premium card with ultra-premium perks like airport lounge access, all while earning transferable points, then the Amex Platinum card might be the perfect card for you. Not only does the card earn 5x points per $1 on airfare (up to $500,000 per calendar year), but you also receive airport lounge access to multiple lounge networks, Hilton and Marriott elite status, Saks Fifth Avenue credits, and much more. Terms apply and some benefits require enrollment.
For rates and fees of The Platinum Card® from American Express, click here.
Frequently Asked Questions
There is no set credit score that you need in order to be approved for the United Club Infinite card. Your approval will be based on a variety of factors like your stated income, years of credit history, and the number of new accounts you’ve opened recently. However, as long as your credit score is 720 or higher, you should have good approval odds.
Since the United Club Infinite card is a Visa Infinite card, approved applicants will have a starting credit limit of at least $5,000, but it might be much higher depending on qualifying factors like your credit score and income.
Yes, the United Club Infinite card earns 500 Premier Qualifying Points (PQPs) for every $12,000 spent on the card, up to a maximum of 8,000 PQPs each year.
If you’re a frequent United flyer and want benefits like a complimentary United Club membership, free checked bags, United Premier Access, and the ability to spend your way to higher levels of elite status, then yes, the United Club Infinite card would definitely be worth it to you.
Yes, the United Club Infinite card is metal.
The best United Airlines card is whichever card makes the most sense for your personal travel needs.
If you are a United loyalist and frequent flyer that wants United Club access, then your best and only option is the United Club Infinite card.
If you don’t fly all that much prefer a lower annual fee card that offers many of the benefits you’d receive from low-level elite status with United, then select the United℠ Explorer Card.
Those that want a middle-of-the-road card that charges a higher than average annual fee, but packs a lot of great United perks and benefits, will find the United Quest card to be the perfect fit.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.
2 comments
Donna uliva
October 19, 2022
How do I report a death of a United credit card holder? There is a balance on the card and it has been assessed a 2-month penalty. The cardholder died June 28, 2022. Please give me steps to clear this balance and get rid of the penalty charges.
Hi Donna. So sorry to hear you are going through this. You can call the number on the back of the card if you do have the physical card. You can also visit a Chase banking branch and they can walk you through the process. It’s important to do this as soon as possible to avoid possible fraud. I found this United cardholder customer service number as well: 1-800-888-8756.
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
2 comments
Donna uliva
October 19, 2022
How do I report a death of a United credit card holder? There is a balance on the card and it has been assessed a 2-month penalty. The cardholder died June 28, 2022. Please give me steps to clear this balance and get rid of the penalty charges.
Christine Krzyszton
October 20, 2022
Hi Donna. So sorry to hear you are going through this. You can call the number on the back of the card if you do have the physical card. You can also visit a Chase banking branch and they can walk you through the process. It’s important to do this as soon as possible to avoid possible fraud. I found this United cardholder customer service number as well: 1-800-888-8756.
Any thoughts or questions? Comment below!
Email needed if you'd like comment updates. It will NOT be published.
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