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United Club Infinite Card – Full Review [2023]

Name: United Club Infinite Card – Full Review [2023]
Item: United Club Infinite Card
Rating: 4
Author: Jarrod West

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"A premium card for United travelers"

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Learn More (at Chase's secure site)

Jarrod West

- Updated: March 6, 2023, 3:05pm CST|

2Comments

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.

Pros

4x miles per $1 on United purchases
2x miles per $1 on travel and dining purchases
Complimentary United Club membership
Free first and second checked bag for you and 1 traveling companion
United Premier Access
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
$100 Global Entry/TSA PreCheck/NEXUS credit
Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
Shopping protections like return protection, purchase protection, and extended warranty protection
$70 discount on CLEAR membership, plus 10,000 bonus miles
IHG One Rewards Platinum Elite status and a $75 annual credit
Avis President’s Club elite status
10% discount on United Economy Saver Awards within the continental U.S. and Canada

Cons

$525 annual fee
Does not earn transferable rewards

United Club Infinite Card — Snapshot

Welcome Bonus & Info (Partner Content)
- Earn 80,000 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 500 Premier qualifying points for every $12K you spend on purchases, up to 8,000 PQP in a calendar year.
- Earn 1 mile per $1 spent on all other purchases
- Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
- Free first and second checked bags - a savings of up to $320 per roundtrip. Terms Apply.
Card Categories:
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Great Card If

You’re a frequent United flyer
You want United Club access
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 — Fees

Annual Fee
- $525
Foreign Transaction Fees
None
Interest Rates
- 20.99% - 27.99% Variable
Late fees
- Penalty APR: Up to 29.99% Variable
Balance Transfers
- 20.99% - 27.99% Variable
- Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance APR
- 29.49% Variable
- Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.

United Club Infinite Card - Is It Worth It?

New United Club at LaGuardia — The United Club Infinite card is a great option for frequent United flyers who want United Club access. Image Credit: United

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 3,000 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 3,000 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 3,000 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

United Polaris Business Class Seat — You can rack up United miles thanks to the United Club Infinite card’s 4x earnings on United airline tickets. Image Credit: United Airlines

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

United Quest℠ Card

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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 Platinum Card® from American Express

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.

Featured Image Credit: Chase

Frequently asked questions

What credit score do I need for the United Club Infinite card?

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.

What is the credit limit of the United Club Infinite card?

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.

Does the United Club Infinite card earn Premier Qualifying Points?

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 3,000 PQPs each year.

Is the United Club Infinite card worth it?

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.

Is the United Club Infinite card metal?

Yes, the United Club Infinite card is metal.

What is the best United Airlines credit card?

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.

About Jarrod West

Jarrod has been writing about the ins and outs of credit cards and loyalty programs, along with airlines and hotels, for over 6 years. He is regularly called upon to share his expertise on the latest news within the space, and has been featured in publications such as Matador Network, The New York Times, RetailMeNot, and Yahoo! Finance. Jarrod has over 20 credit cards in his wallet and has tested out dozens more in order to vet the very best card options for readers. As he is constantly sampling new cards, Jarrod also earns (and redeems) over 1 million points and miles each year. This allows him to book luxury travel experiences the world over, and save tens of thousands of dollars in the process.

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.

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