Editorial take: United Club Infinite Card
Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.
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Side-by-side
United Club Infinite Card vs United Club Business Card
Both are well-respected travel cards. The United Club Infinite Card comes from Chase at $695/yr; the United Club Business Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | United Club Infinite Card | United Club Business Card |
|---|---|---|
| Annual fee | $695 | $695 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 100,000 miles + 2,000 PQP |
| Bonus value (est.) | $1,120 | $1,500 |
| Min spend to unlock bonus | $5,000 in 3 mo | $5,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | business |
| Best earning category (United) | 4x | 2x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP
Editorial take: United Club Business Card
Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or United Club Business Card?
- The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus 80,000 miles (up to 90,000 with authorized user) (~$1,120) on the United Club Infinite Card.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the United Club Business Card?
- Premium cards like the United Club Infinite Card ($695/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The United Club Business Card at $695/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and United Club Business Card?
- Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the United Club Infinite Card or the United Club Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite Card: $5,000 spend in 3 months. United Club Business Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.