United Club℠ Infinite Card Review 2025 – Is the $695 Fee Worth It?

Maximize Your Miles and Benefits with the United United Club℠ Infinite Card

When it comes to frequent flying, especially with United Airlines, having the right travel credit card can make a huge difference. The United Club℠ Infinite Card stands out as one of the top options for those seeking to elevate their travel experience. It offers more than just a regular credit card—it combines luxury travel perks, significant bonus miles, and unparalleled access to United Club lounges. In this review, we will explore all the benefits and fees, as well as how you can maximize the value of the United Club℠ Infinite Card.

 Overview: United Club℠ Infinite Card

The United Club℠ Infinite Card is a luxury travel credit card that offers exclusive benefits for loyal United Airlines customers and frequent flyers. Issued by Chase, this card gives cardholders a multitude of valuable United Airlines perks, including United Club membership, access to special MileagePlus rewards, and the ability to earn miles on a variety of purchases.

This card stands apart from many other travel credit cards because it focuses specifically on enhancing the experience of travelers who fly frequently with United Airlines. If you enjoy luxury travel, access to premium airport services, and the ability to earn significant bonus miles quickly, the card could be a perfect fit.

Card Highlights of United Club℠ Infinite Card

• Earn 95,000 bonus miles after spending $5,000 on qualifying purchases in the first 3 months.
• Earn 4x miles on United purchases, including flights, upgrades, and United hotel stays.
• 2x miles on dining and travel-related expenses.
• 1x mile for all other purchases.
• Get a 10,000-mile discount on award travel after spending $20,000 — available up to twice per calendar year.
• Enjoy a United Club membership, providing access to over 45 lounges worldwide.
• Bring one guest with you to the United Club lounges on the same reservation.
• Free first and second-checked bags for the cardholder and one companion on United flights. You can save up to $360 per roundtrip (terms apply).
• Get 25% back on eligible United inflight purchases like food, beverages, and Wi-Fi.
• Priority check-in, security screening, and boarding are available through Premier Access services.
• Receive Global Entry or TSA PreCheck credit of up to $120 every 4 years.
• Complimentary Premier Upgrades when available on United flights.
• There are no foreign transaction fees, making it ideal for international travel.
• 5x miles on United flights for MileagePlus Premier Members.
• Access to Avis President’s Club and IHG One Rewards Platinum Elite status.
• Trip cancellation insurance, baggage delay protection, and auto rental collision coverage.
• $695 annual fee with value-packed travel perks.
• MileagePlus rewards allow miles never to expire.

These highlights showcase the essential perks and features that make the United Club℠ Infinite Card an excellent choice for frequent flyers.

Rates and Fees of United Club℠ Infinite Card

• Annual Fee: $695.
• APR for Purchases: 20.49% – 28.99% variable APR, based on creditworthiness.
• APR for Cash Advances: 29.99% variable APR.
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater.
• Late Payment Fee: Up to $40.
• Returned Payment Fee: Up to $40.
• Foreign Transaction Fee: None. No fees for purchases outside the U.S.
• Balance Transfer Fee: Either $5 or 5% of the transfer amount, whichever is greater.
• Rewards Redemption Fee: No fee for redeeming MileagePlus miles or other rewards.
• Over limit Fee: None.

See Full Rates and Fee

These rates and fees provide transparency on the costs of holding a United ClubSM Infinite Card. While the annual Fee is relatively high, the value of the rewards and benefits, like access to United lounges and travel perks, may justify the cost for frequent travelers.

Key Benefits of United Club℠ Infinite Card

The United Club℠ Infinite Card offers a wide range of benefits tailored to frequent flyers. Let’s review some of the most important features in detail.

• Earning Miles and Rewards: One of the standout benefits of this card is the ability to earn miles on both United Airlines purchases and everyday spending. Here’s how you can make the most of the earned miles on United purchases:
• 95,000 Bonus Miles: You’ll earn 95,000 bonus miles after spending $5,000 on qualifying purchases within the first 3 months. This offer can provide a significant boost to your MileagePlus rewards balance right away.
• 4x Miles on United Purchases: The card offers 4x miles for every dollar spent on United Airlines purchases, including flights, seat upgrades, and hotel stays booked through United. As a United credit card, this offers substantial earning potential on all things related to the airline.
• 2x Miles on Dining and Travel: Whether you’re dining at your favorite restaurant or booking your next vacation, you earn 2x miles for each dollar spent on dining and travel. This makes the card an excellent choice for those who dine out often or travel regularly.
• 1x Mile on Other Purchases: On all other purchases, you’ll still earn 1 mile per dollar. While not as lucrative as the different categories, it’s still a bonus to have this feature for general purchases.

1. United Club Membership Benefits

One of the most significant perks of this United credit card is the inclusion of a United Club membership. For travelers who frequently use United Airlines, this is a game-changer. The United Club lounges are available at airports around the world, providing a comfortable space to relax before flights. Membership includes:

• Access to United Club Lounges: Enjoy access to over 45 United Club locations at airports globally. Unwind in a comfortable environment with free snacks, beverages, and Wi-Fi. This membership is worth up to $750 annually, depending on the airport.
• Guest Access: When traveling together on the same reservation, you can also bring a guest to the lounge. This makes it easy for you and a companion to enjoy premium services without any additional cost.

2. Travel Perks

• For frequent travelers, the United Club℠ Infinite Card offers a host of valuable premium travel perks. These include everything from priority check-in to free checked bags:
• Free Checked Bags: Cardholders and one companion traveling on the same reservation can check up to two free checked bags on United-operated flights. This perk alone can save you up to $360 per round trip.
• Priority Services: With Premier Access services, you’ll enjoy expedited check-in, security screening, and boarding, making your airport experience smoother and quicker.
• TSA PreCheck or Global Entry Credit: Every 4 years, you’ll receive up to $120 in statement credits for Global Entry, TSA PreCheck, or NEXUS application fees. These services help you skip long security lines and streamline your travel experience.
• 25% Back on United Inflight Purchases: On United Airlines flights, you’ll receive 25% back on eligible purchases such as food, beverages, and Wi-Fi. This can add up quickly if you travel often.
• Complimentary Premier Upgrades: As a United Airlines credit card holder, you’re eligible for complimentary Premier Upgrades when available. This can help you enjoy a more comfortable flight experience.

What is the United Club℠ Infinite Card Annual Fee?

The United Club℠ Infinite Card comes with a $695 annual fee. While this is on the higher end for credit cards, the value of the benefits more than justifies the cost for frequent United Airlines travelers. The ability to access United Club lounges, earn bonus miles, and receive priority check-in and boarding are significant advantages for those who fly often.

If you use your card strategically—by earning bonus miles, taking advantage of free checked bags, and enjoying TSA PreCheck benefits—the Fee can pay for itself in terms of the value you receive.

How to Earn Bonus Miles with United Club Infinite Card?

One of the most compelling reasons to choose the United Club℠ Infinite Card is its ability to help you rack up bonus miles quickly. Here’s a deeper look at how to earn miles on your purchases:

1. Earn 4x Miles on United Purchases: The card rewards you with 4x miles for every dollar spent on United Airlines purchases. This includes flights, seat upgrades, baggage fees, and even hotels booked through United.
2. Earn 2x Miles on Dining and Travel: The 2x miles on dining and travel-related expenses add significant earning potential for those who enjoy eating out and taking trips.
3. Earn 1x Mile on Other Purchases: You’ll still earn 1 mile per dollar on all non-United purchases. This ensures you continue earning miles for everyday spending.

Additionally, cardholders can maximize the bonus miles through MileagePlus rewards and special promotions. For example, if you book hotels with United Airlines, you can earn even more miles, often with 5x miles for MileagePlus members.

Who Should Apply for the United Club℠ Infinite Card?

The card is an ideal choice for travelers who:

• Frequently fly with United Airlines or other Star Alliance™ carriers.
• Want to enjoy luxury travel credit card perks, including United Club membership and priority check-in?
• Value TSA PreCheck or Global Entry benefits for expedited airport security.
• Are looking to maximize their MileagePlus rewards and earn bonus miles quickly on both United Airlines and everyday purchases.

If you’re a frequent flyer who loves the convenience and comfort of United Airlines perks, this card could be the right fit for you.

Most approved applicants tend to have scores around 725, with 815 being common among successful applicants. To maximize approval chances, aiming for a credit score of at least 720 is a good goal. Keep in mind that Chase will also consider factors like your income, existing debt, and overall credit health when reviewing your application.

Maximizing Your United Club℠ Infinite Card Benefits

To get the most out of your United Club℠ Infinite Card, here are some tips to help you maximize its perks:

1. Spend to Earn Bonus Miles: Be sure to meet the spending requirements early to earn the 95,000 bonus miles in the first 3 months. This could jumpstart your MileagePlus rewards balance, giving you a great start.
2. Use the Card for United Purchases: Earn 4x miles on United purchases. Book flights, pay for upgrades, and check baggage to earn maximum rewards.
3. Take Advantage of Lounge Access: Enjoy the United Club membership and relax in the United Club lounges before your flight. Bring a guest with you to enhance your travel experience.
4. Use Your TSA PreCheck Credit: Don’t forget to apply for TSA PreCheck or Global Entry and use the card to cover the application fee, getting the credit on your statement.

By using this Card for all your United Airlines and travel-related purchases, you’ll easily accumulate miles while enjoying a wealth of perks.

Comparison of United Club℠ Infinite Card vs United℠ Explorer Card vs United Quest℠ Card vs United Gateway℠ Credit Card

When choosing the right United Airlines credit card, consider your travel habits, rewards potential, and the value of benefits offered. Here’s a breakdown of the key differences between the United Club℠ Infinite Card, United℠ Explorer Card, United Quest℠ Card, and United Gateway℠ Credit Card to help you decide which one best suits your needs.

Comparison of United ClubSM Infinite Card vs. UnitedSM Explorer Card vs. United QuestSM Card vs. United GatewaySM Credit Card

Comparison Analysis

The United Club℠ Infinite Card stands out with its high rewards rate and luxury perks like United Club membership, priority boarding, and Global Entry credit. However, its annual Fee of $695 is the highest among the options.

The United℠ Explorer Card is a great option for budget-conscious travelers, offering a $0 intro annual fee for the first year. With a decent 50,000 bonus miles offer and 2x miles on dining, it’s ideal for those who fly less frequently but still want valuable perks like priority boarding and free checked bags.

The United Quest℠ Card offers 90,000 bonus miles and additional perks like a $125 annual purchase credit. With two free checked bags and 3x miles on United purchases, this card is great for frequent United Airlines travelers who want a balance of value and premium benefits at a moderate cost.

For travelers looking for an affordable option, the United Gateway℠ Credit Card offers 2x miles on United purchases and gas stations, plus no foreign transaction fees. With a $0 annual fee and an introductory 0% APR for 12 months, it’s a great entry-level card for casual travelers.

Which Card Offers the Best Value?

1. The United Club℠ Infinite Card is the best option for frequent United Airlines travelers who value lounge access and top-tier perks.
2. The United Quest℠ Card offers a solid mix of reward potential and premium travel benefits at a reasonable $250 annual fee.
3. The United℠ Explorer Card is ideal for occasional travelers looking for low-cost benefits.
4. The United Gateway℠ Credit Card is perfect for those starting or needing a low-fee travel card.

Why You Might Want to Choose Another Credit Card Instead of United Club℠ Infinite

While the United Club℠ Infinite Card offers a host of luxurious perks for frequent United Airlines travelers, it may not be the best fit for everyone. The high annual Fee of $695 and its focus on premium travel benefits, like United Club membership and Global Entry credit, may not align with every traveler’s needs or spending habits.

A few reasons why you might consider alternatives:

1. High Annual Fee: The United Club℠ Infinite Card’s annual Fee is one of the highest in the travel credit card category. If you don’t often use United Airlines or don’t need airport lounge access, it may be more cost-effective to choose a card with a lower annual fee.
2. Limited Airline Focus: If you travel frequently with multiple airlines, a card that offers rewards for a variety of airlines and travel categories could better serve you. The United Club℠ Infinite Card is highly tailored to United Airlines, so if you’re not loyal to United, you might miss out on rewards and benefits elsewhere.
3. Lack of Everyday Perks: While it’s a great card for luxury travel benefits, it doesn’t offer the most lucrative everyday rewards (e.g., groceries or gas). If your spending doesn’t align with travel rewards, you might not fully capitalize on the card’s offerings.

Ultimately, while the card is perfect for loyal United Airlines flyers seeking premium benefits, many other credit cards could offer better value depending on your travel and spending habits.

Best Alternatives to the United Club℠ Infinite Card

If you’re looking for credit cards that balance value, versatility, and benefits, here are a few great options:

1.     Chase Sapphire Preferred® Card

• Best for: Versatile travel rewards and excellent point transfers.
• Annual Fee: $95
• Why Consider It: Earn 2x points on travel and dining, with a huge sign-up bonus. Points transfer to numerous travel partners, giving you flexibility beyond United Airlines.

2.     Capital One Venture Rewards Credit Card

• Best for: Flat-rate travel rewards across all purchases.
• Annual Fee: $95
• Why Consider It: Earn 2x miles on every purchase, plus a large bonus miles offer. There are no blackout dates for flights or hotels, and it works with all airlines.

3.     American Express® Gold Card

• Best for: Earning rewards on dining.
• Annual Fee: $250
• Why Consider It: You can earn 4x points on restaurants and 3x on flights, offering flexibility in earning rewards for non-travel purchases.

4.     Chase Sapphire Reserve®

• Best for: Premium travel perks and high-value point redemptions.
• Annual Fee: $550
• Why Consider It: It offers luxury travel benefits like airport lounge access, a $300 annual travel credit, and 3x points on travel and dining. If you travel frequently, the benefits can far outweigh the Fee.

Ultimately, while the United Club℠ Infinite Card is perfect for loyal United Airlines flyers seeking premium benefits, many other credit cards could offer better value depending on your travel and spending habits.

Frequently Asked Questions (FAQs)

Conclusion

The United Club℠ Infinite Card offers an impressive array of travel benefits and luxury perks for frequent United Airlines flyers. With a United Club membership, free checked bags, priority airport services, and the ability to earn significant bonus miles, this card is an excellent choice for those who want to enhance their flying experience. Despite its annual Fee, the premium travel perks and MileagePlus rewards make it a great investment for frequent travelers.

If you’re looking for a United Airlines credit card that offers true value and comfort, the United Club℠ Infinite Card is worth considering.