United Club℠ Infinite Card
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United Club℠ Infinite Card
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United Club℠ Infinite Card Review: Abundant United miles, airport lounge access and excellent travel coverage

United Club℠ Infinite Card Review: Abundant United miles, airport lounge access and excellent travel coverage

The United Club℠ Infinite Card is an excellent option for frequent United Airlines customers due to its numerous travel perks and benefits.

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Quick facts

More details

Rates & fees

  • Credit needed: 720 - 850
  • Sign-up bonus: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
  • Earning rate: Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.
  • Annual fee: $525
  • Foreign transaction fee: $0
  • Other key benefits: United Club℠ membership, Global Entry, TSA PreCheck® or NEXUS credit, IHG Rewards Platinum Elite status, Avis President's Club, Premier upgrades on award tickets

Quick facts

  • Credit needed: 720 - 850
  • Sign-up bonus: Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
  • Earning rate: Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.
  • Annual fee: $525
  • Foreign transaction fee: $0
  • Other key benefits: United Club℠ membership, Global Entry, TSA PreCheck® or NEXUS credit, IHG Rewards Platinum Elite status, Avis President's Club, Premier upgrades on award tickets

More details

  • 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 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
  • Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

Rates & fees

  • Intro Purchase APR: N/A
  • Regular Purchase APR: 18.74% - 25.74% Variable
  • Intro BT APR: N/A
  • Regular BT APR: 18.74% - 25.74% Variable
  • Annual Fee: $525
  • Foreign Transaction Fee: $0
  • Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Pros

  • Stellar sign-up bonus
  • High earning rate
  • $0 foreign transaction fees
  • United Club membership
  • Two free checked bags
  • IHG Rewards Platinum Elite status
  • Excellent travel perks
  • Top travel and purchase coverages

Cons

  • $525 annual fee
  • Requires 720 - 850 credit
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Is the United Club℠ Infinite Card worth it?

First Year Savings

$963 ?

The United Club℠ Infinite Card is teeming in value and is well worth its annual fee, especially for frequent United fliers looking for a luxury experience. We estimate it offers more than $900 in value for the average cardholder, just from its sign-up bonus and rewards.

The card also grants you:

  • Complimentary United Club lounge access (which normally retails for up to $650)
  • A Global Entry/TSA PreCheck/NEXUS credit (up to $100)
  • Two free checked bags for you and a companion (worth at least $30 each way)
  • Excellent travel and purchase protections, and much more

The caveat, however, is that there is a $525 annual fee. The card's numerous luxury travel perks make up for the annual fee several times over. However, if this is outside your budget, you might prefer another United credit card or even a general travel rewards credit card instead.

Sign-up bonus

The United Club℠ Infinite Card offers a generous sign-up bonus:

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Since we value United miles at 1.2 cents per mile, we estimate this bonus to be worth around $960 in United airfare, which is more than double the card's annual fee.

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How much is it worth? Around $960.

Who is eligible to earn it? You will be eligible for this card if you do not currently own any United Club card and have not received a sign-up bonus for any United Club card within the past 24 months.

Earning rate

The United Club℠ Infinite Card offers a strong earning rate with useful spending categories:

Earn 4 miles per $1 spent on United® purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.

While sign-up bonuses are a great way to boost your rewards balance, credit card spending is essential to keep it growing. Many airline credit card cards have limited spending categories that only give bonus miles for spending with the airline. The United Club℠ Infinite Card differentiates itself from the pack with expanded spending categories that let you stack up miles on travel and dining, on top of United purchases.

As you can see from the chart below, the United Club℠ Infinite Card beats many credit cards, including the United℠ Explorer Card, in the rate that it earns miles on ongoing purchases:

Average rewards earned per $1 spent

We estimate an earning rate for the average consumer based on U.S. Bureau of Labor data and multiply that by the value of each card’s points or miles.

Redeeming rewards

United miles are fairly easy to redeem and you'll find a large number of options through United or one of its Star Alliance partners. United uses dynamic pricing — meaning the cost of award flights is based on demand and fluctuates rather than being based on a fixed chart — so it's difficult to tell up front how many miles you'll need for an upcoming trip. However, you can find great values for your miles (especially if you are flexible enough to book a Saver award), with award flights starting at around 5,000 miles.

Point value
Pros
Cons
1.2 cents
  • Part of Star Alliance
  • Miles never expire
  • Large portfolio of transfer partners
  • Numerous global destinations
  • Excellent award availability
  • Hard to tell how many miles you'll need for a flight
  • Low points value compared to other programs
  • MileagePlus program is moderately complex

You can redeem United miles for a wide variety of options, including:

  • Award travel
  • Seat upgrades
  • Rental cars
  • Cruises
  • Online shopping
  • Apple products
  • Gift cards
  • Unique experiences
  • Tickets to live sports, concerts and theater events

However, you'll get the most value from your miles when you redeem them for award travel. United is part of the Star Alliance, meaning you can use your United miles to book flights with any of their partnering airlines.

The Star Alliance partners include the following:

  • Aegean
  • Air Canada
  • Air China
  • Air India
  • Air New Zealand
  • ANA
  • Asiana Airlines
  • Austrian
  • Avianca
  • Brussels Airlines
  • Copa Airlines
  • Croatia Airlines
  • Egypt Air
  • Ethiopian
  • EVA Air
  • LOT
  • Lufthansa
  • SAS
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • Swiss
  • TAP Air Portugal
  • Thai Airways
  • Turkish Airlines

United Club and Star Alliance lounge access

Sitting at an airport gate can be an inconvenient part of traveling, especially if you would like a quiet space to relax or be productive before your flight. With the United Club℠ Infinite Card, you will have access to all United Club lounges and participating Star Alliance lounges around the globe.

Airport lounges vary in their amenities, but many of them have complimentary food, drinks, showers, Wi-Fi, play areas for children and more. It’s a great way to escape the stressful environment of an airport terminal.

Extensive travel benefits

The United Club℠ Infinite Card comes with a variety of terrific travel perks:

These services can save you time, energy and stress when at the airport, allowing you to breeze through security and customs when reentering the U.S.

This benefit alone can save you hundreds of dollars on a round-trip flight for you and a companion. If you regularly fly with United, this is an essential perk.

These include:

  • Trip cancellation/interruption insurance — Up to $10,000 per person and $20,000 per trip reimbursement for prepaid, non-refundable travel expenses.
  • Baggage delay insurance — Up to $100 reimbursement per day for 3 days for baggage delays over 6 hours.
  • Lost luggage reimbursement — For luggage lost or damaged by the carrier, you are covered for up to $3,000 per passenger.
  • Trip delay reimbursement — If your trip is delayed more than 12 hours or requires an overnight stay, you can get an up to $500 reimbursement per ticket.
  • Auto Rental Collision Damage Waiver — You'll get primary car rental insurance when you decline the insurance with the rental company and charge the full cost to your card. You'll get reimbursed up to the actual cash value of your vehicle for theft and collision damage for most rentals within the U.S. and internationally.

The United Club℠ Infinite Card does not charge foreign transaction fees on purchases outside the United States. This is an important benefit for travel credit cards, as it will save you money on every purchase made abroad, which can add up quickly over the course of a vacation.

United Club℠ Infinite Card cardholders get Platinum Elite status with IHG Rewards. This benefit offers complimentary room upgrades and extended checkout, where available, when you stay at IHG properties. You can also earn points towards free nights with IHG. Plus, you'll receive up to $75 in statement credits for IHG purchases charged to your card between Jan. 1, 2022, through Dec. 31, 2022.

United Club℠ Infinite Card Cardholders can enjoy easy access through the airport with priority check-in and security screening where available, as well as boarding and baggage handling privileges. This can be extremely valuable for those looking to navigate airport procedures with ease and speed.

Cardholders will have access to the Avis President's Club, which offers complimentary two-car class upgrades, expedited rental car service, guaranteed car availability and much more. Note that cardholders must enroll in Avis President's Club to receive this benefit.

United Club℠ Infinite Card cardmembers will receive complimentary benefits at over 1,000 luxury properties when you make a reservation through your card. Benefits include daily breakfast for two, complimentary Wi-Fi, room upgrades, early check-in and late checkout when available and more.

The primary cardholder and one companion on the same reservation will have access to Complimentary Premier Upgrades on select United and United Express flights, subject to availability. This is a fantastic way to elevate your flight experience simply by owning this card.

Other benefits

  • Purchase protection — Covered new purchases made on your card for 120 days against damage or theft. You can get up to $10,000 per claim and $50,000 per year.
  • Return protection — If the store won't take back an item within 90 days of purchase, you can be reimbursed up to $500 per item and $1,000 per year.
  • Extended warranty protection — Cardholders can have the U.S, manufacturer's warranty extended by an additional year on eligible warranties of three years or less.

Cardholders can purchase private, specially curated experiences. These events could include exclusive culinary events at the world's best restaurants, meeting sporting legends and more.

United Club℠ Infinite Card cardholders will have access to 24/7 assistance for items such as travel planning, restaurant reservations, sports tickets and more, available year round from home or abroad.

Drawbacks

  • $525 annual fee — This card's most significant drawback is its high annual fee. Though, as we've touched on previously, the available card perks can more than make up for this fee, as long as you're able to use them.
  • Requires 720 - 850 credit — Another drawback of the United Club℠ Infinite Card is that you must have 720 - 850 credit in order to be approved for the card. This can be a challenge for consumers who don't meet that requirement.

Alternatives to the United Club℠ Infinite Card

While the United Club℠ Infinite Card can be an excellent choice for some, the annual fee and co-branded nature of the card may be a deterrent for others. We've reviewed a few comparable options for other top travel rewards credit cards worth considering.

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Annual Fee
$525
$95
$0 Intro for the First Year, then $95
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United Club℠ Infinite Card vs. Chase Sapphire Preferred® Card

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Verdict: Rewards and luxury at a reasonable cost

If you book United flights regularly, the Chase Sapphire Preferred® Card could be the better option. The Chase Sapphire Preferred® Card earns miles that you can transfer to United and other loyalty programs for a much smaller fee.

In fact, we rate it as one of the best travel credit cards because it offers great rewards and travel benefits for a modest $95 annual fee. The card lets you earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases. The Chase Sapphire Preferred® Card also allows the flexibility of transferring points to other airlines programs at a 1:1 ratio, or redeeming through Chase's travel portal for a 25% bonus.

United Club℠ Infinite Card vs. United℠ Explorer Card

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Verdict: Top United perks for a much lower annual fee

The United℠ Explorer Card is better for semi-frequent travelers who don't care about airport lounge access. It comes with a much lower annual fee: $0 Intro for the First Year, then $95

The card grants you a free checked bag on United flights, which can easily make up for the fee each year. Plus, you get other valuable benefits like a $100 credit for TSA PreCheck/Global Entry, two United Club one-time passes each card anniversary and primary car rental insurance.

United Club℠ Infinite Card vs. The Platinum Card® from American Express

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Verdict: Better features and rewards, but doesn't include United

The Platinum Card® from American Express is an excellent card for someone interested in luxury travel benefits and more flexible rewards. The card rewards you with American Express Membership Rewards® points that can be transferred to a variety of travel partners, including Delta and JetBlue. While United is not in this list of partners, a few of the airlines on the list belong to Star Alliance. You can transfer your points to any of these programs to book United flights.

It comes with a larger lounge network, including access to Amex Centurion lounges, Priority Pass lounges (enrollment required) and Delta Sky Clubs. It also offers a multitude of travel and shopping credits. These benefits can more than make up for the card’s $695 annual fee, if you can take advantage of them.

For rates and fees of The Platinum Card® from American Express, please click here

Should you get the United Club℠ Infinite Card?

With benefits such as United Club access, comprehensive travel insurance and lucrative spending categories, the United Club℠ Infinite Card is a great card for those looking to earn United miles and enjoy luxurious benefits. However, it does come with a high $525 annual fee, which can be a deterrent for some consumers.

If you'd rather choose a non-co-branded travel rewards card or a credit card with no annual fee, there are plenty of excellent options to pick from as well.

Frequently asked questions

How much is the United Club℠ Infinite Card?

The United Club℠ Infinite Card has a $525 annual fee.

What credit score do you need for the United Club℠ Infinite Card?

The United Club℠ Infinite Card requires 720 - 850 credit for approval. You'll want to check your score ahead of time to make sure you're within the appropriate range to increase your chances of acceptance.

Does United Club pay Global Entry?

Yes, the United Club℠ Infinite Card includes up to $100 in statement credits for the Global Entry, TSA PreCheck or NEXUS fee credit every four years.

Is it worth joining United Club?

If you regularly fly with United and think you could take advantage of airport lounge access several times per year, it can definitely be worth it to join United Club. These clubs offer complimentary Wi-Fi, food and beverages and more. With the United Club℠ Infinite Card, you will automatically have access to all United Clubs for free.

For rates and fees of The Platinum Card® from American Express, please click here

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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