The United Club℠ Infinite Card is more than just a credit card—it’s your gateway to luxurious travel experiences. With exclusive perks like United Club membership, free checked bags, and the opportunity to earn up to 90,000 bonus miles, this card is designed for frequent flyers seeking convenience and rewards.

Whether you’re booking United flights or enjoying other travel expenses, the United Club Infinite Card allows you to earn miles faster. Coupled with premium travel perks and a robust rewards program, it’s a standout choice for avid travelers.

Key details about the United Club℠ Infinite Card

How does the annual fee work?

The United Club℠ Infinite Card comes with an annual fee of $525. While this fee may initially seem high, it’s important to consider the extensive benefits that offset the cost. For instance, cardholders receive United Club membership, which is valued at up to $650 annually. This membership provides access to comfortable lounges where you can relax, work, or enjoy complimentary snacks and beverages before your flight.

Additionally, the card includes travel perks like free checked bags, priority airport services, and valuable statement credits. When combined, these features not only enhance your travel experience but can also save you hundreds of dollars annually, making the annual fee a worthwhile investment for frequent travelers.

How is the credit limit determined?

The credit limit for the United Club℠ Infinite Card is determined by Chase based on various factors, including your credit score, income, and overall financial health. Applicants with higher creditworthiness typically receive higher credit limits, which can accommodate larger travel-related purchases.

If you’re new to credit cards or have a limited credit history, Chase may start you with a moderate limit and increase it over time as you demonstrate responsible usage. Unlike prepaid cards where you decide the spending cap through deposits, this card’s limit is tailored to your financial profile to ensure it meets your needs while maintaining manageable repayment terms.

Benefits of the United Club℠ Infinite Card

This card is loaded with benefits designed to make travel more rewarding and stress-free. Here are some of the standout features:

• Earn up to 90,000 bonus miles: New cardholders can earn 90,000 bonus miles by spending $5,000 in the first three months. Additionally, you can earn 5,000 bonus miles when you add an authorized user within the same period.
• 4x miles on United purchases: This includes tickets, in-flight purchases, and other United services, helping you rack up rewards faster.
• 2x miles on travel and dining: Whether it’s a hotel stay, ride-sharing service, or a meal at your favorite restaurant, you earn double the miles.
• 1x mile on other purchases: For everyday spending, you still earn valuable rewards.
• Free first and second checked bags: You and a companion can each check two bags for free on United flights, potentially saving up to $360 per roundtrip.
• United Club membership: Enjoy exclusive access to United Club lounges, valued at up to $650 per year.
• Global Entry/TSA PreCheck credit: Receive up to $120 in statement credits every four years to cover the application fees for these programs.
• 25% back on in-flight purchases: Save on Wi-Fi, snacks, and premium drinks when you use your card onboard United flights.

A standout feature: earning miles

One of the most compelling aspects of the United Club℠ Infinite Card is its robust rewards program. Cardholders can earn up to 9x miles on United purchases by combining MileagePlus membership benefits with card rewards.

For instance, you earn 5x miles as a MileagePlus member on United flights and an additional 4x miles with the card. This accelerated earning potential ensures that frequent flyers can quickly accumulate miles for future trips. With additional rewards for dining and general travel expenses, the card is designed to maximize your spending, making it a top choice for those who travel often.

Drawbacks to consider

While the United Club℠ Infinite Card offers numerous benefits, it’s important to consider some of its limitations:

• High annual fee: At $525, the fee may be prohibitive for occasional travelers.
• Limited rewards for non-United purchases: The highest earning rates are tied to United Airlines, which may not appeal to those who prefer other airlines.
• Not ideal for low-spending travelers: To maximize the rewards, you need to make significant use of the card’s features.

Main drawback: high annual fee

The $525 annual fee is undoubtedly one of the biggest drawbacks of the United Club℠ Infinite Card. For travelers who don’t frequently use United Airlines or take advantage of the card’s premium benefits, the cost may outweigh the value. However, for loyal United customers, the benefits—from lounge access to free checked bags—can easily offset this expense.

Who can apply for the United Club℠ Infinite Card?

This premium credit card is best suited for individuals who meet the following criteria:

• Minimum age: Applicants must be at least 18 years old (19 in some states).
• Good to excellent credit score: A credit score of 700 or higher is typically recommended.
• Stable income: You’ll need to demonstrate financial stability to qualify for this card.
• Active MileagePlus membership: While not required beforehand, you’ll need to enroll in United’s MileagePlus program to fully utilize the card’s benefits.
• No recent cardmember bonuses: The card is not available to those who have received a new cardmember bonus for this card in the past 24 months.

Applicants with good credit standing and a steady income are more likely to be approved. If your credit history has some negative marks, consider improving your score before applying.

How to apply for the United Club℠ Infinite Card

Applying for the United Club℠ Infinite Card is a simple and convenient process. You can choose from the following methods:

Applying online

Visit Chase’s official website, navigate to the credit card section, and select the United Club℠ Infinite Card. Fill out the application form with your personal and financial details. Approval decisions are often instant but can take a few business days in some cases.

Applying via the Chase mobile app

Download the Chase mobile app, log in (or create an account), and locate the card application section. This process is quick and user-friendly, allowing you to apply from your smartphone.

Visiting a Chase branch

For those who prefer in-person assistance, you can visit a Chase branch to apply. A representative will guide you through the application process, answer any questions, and help you complete the required paperwork.