Chase waives the annual fee for the New United Club Infinite card

In lieu of a miles-based bonus, new cardholders will receive complimentary card membership for a year
United Business Credit Card Launch

The travel industry is undergoing drastic changes, and — in response to those changes — Chase and United have launched a great new offer for United’s luxury travel card, the United Club℠ Infinite Card. New cardholders now have the opportunity to sample the card’s benefits without having to pay an annual fee for the first year. This includes prime benefits such as priority boarding and access to United Club airport lounges.

As travel begins to pick up for the summer, this could be the perfect opportunity to kick back in an airport lounge while you wait for your next flight.

A look at the new United Club℠ Infinite Card

United Club℠ Infinite Card

  • On Chase's Secure Website

$0 for the first year, then $525

16.49% - 23.49% Variable

Excellent

  • $0 intro annual fee, then $525
  • 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
  • Earn 1 mile per $1 spent on all other purchases
  • Up to $100 Global Entry or TSA PreCheck™ Fee Credit
  • Free first and second checked bags - a savings of up to $320 per roundtrip
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card.
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The United Club℠ Infinite Card is the leading card of the United portfolio with the most benefits and features. It also comes with a hefty annual fee. But like many premium credit cards with high annual fees, you can earn much of it back by using the card’s benefits.

United Club℠ Infinite Card benefits

The benefits of the card are catered to regular United flyers who enjoy luxury travel. When you’re approved for the card and pay the annual fee, you’ll have the following benefits:

  • Introductory annual fee: $0 for the first year, then $525
  • United Club membership
  • Earn 4x miles on United purchases, 2x miles on restaurants and travel and 1x miles on all other purchases.
  • $100 TSA PreCheck/Global Entry statement credit every four years.
  • 25% back as a statement credit for United in-flight purchases
  • First and second checked bags fee for the cardholder and one traveling companion
  • Premier access: priority check-in, security screening, boarding and baggage handling
  • Complimentary Hertz Gold Plus Rewards President’s Circle status
  • When traveling on an award ticket, the primary cardholder can take advantage of Complimentary Premier Upgrades (CPU)
  • Additional benefits such as early check-in, late checkout and complimentary breakfast for two when you stay at properties from The Luxury Hotel & Resort Collection
  • Comprehensive travel insurance coverage such as: trip cancellation/interruption insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement and rental car insurance
  • Visa Concierge service is available to help you find tickets to events, make dinner reservations and arrange sending a perfect gift.

Limited time offers for the United cards

If the United Club℠ Infinite Card sounds enticing, be sure to consider the United℠ Business Card to go along with it, to capture a bonus 5,000 United MileagePlus miles. It’s a great strategy to hold both a co-branded personal and business credit card to earn miles to your preferred airline or hotel on all of your purchases.

If you’re not interested in the United Club℠ Infinite Card, there are three other United co-branded credit cards offering limited time signup bonuses:

United℠ Business Card bonus

United℠ Business Card

United℠ Business Card

$99

17.99% - 24.99% Variable

Good

  • The All-New United Business Card with limited-time offer: 100,000 bonus miles after qualifying purchases
  • New benefit: Earn 2 miles per $1 spent on local transit and commuting- including train tickets, taxi cabs, mass transit, tolls and ride share services
  • New benefit: $100 annual United travel credit after 7 flight purchases of $100 or more
  • New benefit: annual "better together" bonus - 5,000 miles when you have UnitedSM Business Card and a personal Chase United credit card
  • Earn 2 miles per $1 spent on United, at gas stations, restaurants and office supply stores. Plus, earn 1 mile per $1 spent on all other purchases. No foreign Transaction Fees.
  • Free checked bag (terms apply), 2 United ClubSM one-time passes and 25% back on United inflight purchases
  • Priority boarding for you and companions on the same reservation on United-operated flights
  • Employee cards at no additional cost - miles earned from their purchases accrue in your account. Plus, you can set individual spending limits for each card.
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The United℠ Business Card is a great product for a small business owner who flies with United regularly, but doesn’t want to pay a large annual fee. The card has a modest $99 annual fee, which can be very easily earned back by taking advantage of its $100 travel credit, as well as other valuable features.

In addition, the card comes with broad earning categories and unlimited employee cards.

United℠ Business Card benefits

  • Earn 100,000 bonus miles after $10,000 in purchases in the first three months from account opening.
  • 5,000 bonus miles each anniversary when you have this card along with a United personal card
  • $100 annual United travel credit after seven United flight purchases of $100 or more
  • Earn 2 miles per $1 spent on United, local transit and commuting and at gas stations, office supply stores and restaurants. Plus, earn 1 mile per $1 spent on all other purchases.
  • Free first checked bag
  • Priority boarding
  • 2 United Club one time use passes at account opening and each account anniversary
  • $0 foreign transaction fees

United Club℠ Business Card bonus

With the United Club℠ Business Card, you can Earn 100,000 bonus miles after $10,000 in purchases in the first three months from account opening. The United Club℠ Business Card is an outstanding option for a small business owner looking for a more luxurious flying experience that includes access to the United Club and Premier access travel services.

The card comes with a hefty $450 annual fee, but if you utilize these benefits, you should be able to earn the value back for the annual fee — especially if you use the card to avoid United Airlines checked bag fees.

United Club℠ Business Card benefits

  • 2 miles per $1 spent on United purchases
  • 1.5 miles per $1 on all other purchases
  • United Club membership
  • 25% statement credit on purchases of food and beverages onboard United flights
  • First and second checked bag free for the primary cardmember and one companion traveling on the same reservation
  • Premier Access travel services which included priority check-in, security screening and boarding and baggage handling
  • Additional perks at The Luxury Hotel & Resort Collection, including daily breakfast for two, room upgrades (when available) and dining or spa credits
  • Visa concierge service

United℠ Explorer Card bonus

The United℠ Explorer Card lets you 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. One of this card’s best features is a waiver for its $0 Intro for First Year, then $95 annual fee for the first year, making it the most affordable option for earning United miles.

United Explorer Card benefits

  • Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
  • $100 fee credit to enroll in either TSA PreCheck or Global Entry
  • 25% statement credit on purchases of food and beverages onboard United flights
  • First checked bag free for the primary cardmember and one companion traveling on the same reservation
  • Priority boarding when flying United
  • 2 United Club passes

United Credit Card eligibility

Still, there are several restrictions to keep in mind before you decide to apply for a United MileagePlus® Club Card.

First, are you over the dreaded Chase 5/24 rule? If you’ve been approved for more than five credit cards (from any issuer) in the past 24 months, it’s very likely you won’t be approved for any Chase cards. This rule is in place to protect Chase against consumers who practice credit card churning. This is the practice of signing up for a credit card to earn the signup bonus and then cancel the card. With the 5/24 rule in place, it retroactively eliminates any applicants that may be involved in churning.

If you are over 5/24 but still want the ability to earn United MileagePlus points, consider applying for the Marriott Bonvoy Brilliant™ American Express® Card or the Marriott Bonvoy Business™ American Express® Card. With either card, you will earn Marriott Bonvoy points, which can then be transferred to the United MileagePlus program.

Second, have you had a United card before? If you recently owned and closed that card, you may have to wait to apply again. For example, Chase states in its offer details for the United Explorer card that the offer is not available to “current cardmembers of this credit card” and “previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.” If you’re unsure, check with Chase to ensure you’re eligible to apply.

Comparing co-branded United cards

From the details above, the Club cards and Explorer cards are very similar. However, it is important to distinguish the two apart when selecting a card that works best. The Explorer card aims towards an audience that flies a few times per year, while the Club cards are designed for frequent United flyers. It is important to remember these factors when selecting a card that works best for you.

Brett Holzhauer

Brett Holzhauer is ValuePenguin’s travel rewards expert, focusing on credit card rewards maximization, consumer travel trends, and personal finance news. He has earned and burned over 5 million points and miles throughout his travels, saving him roughly $75,000 in travel expenses.

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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).