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 Citi / AAdvantage Executive World Elite Mastercard
Both are well-respected travel cards. The United Club Infinite Card comes from Chase at $695/yr; the Citi / AAdvantage Executive World Elite Mastercard from Citi at $595/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 | Citi / AAdvantage Executive World Elite Mastercard |
|---|---|---|
| Annual fee | $695 | $595 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 70,000 miles |
| Bonus value (est.) | $1,120 | $980 |
| Min spend to unlock bonus | $5,000 in 3 mo | $7,000 in 3 mo |
| Issuer | Chase | Citi |
| Card category | travel | airline |
| Best earning category (United) | 4x | 1x |
| 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
Citi / AAdvantage Executive World Elite Mastercard
$595/yr · 70,000 miles
Editorial take: Citi / AAdvantage Executive World Elite Mastercard
Pure Admirals Club access card. If you spend more than ~$850/year on lounge passes or visit AA hubs frequently, the $595 fee is a layup. The 2024 refresh added ~$360/year in Lyft/Grubhub/Avis credits that often go unclaimed, plus the free checked bag for 9 travelers is undersold for family travelers.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or Citi / AAdvantage Executive World Elite Mastercard?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus 70,000 miles (~$980) on the Citi / AAdvantage Executive World Elite Mastercard.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Citi / AAdvantage Executive World Elite Mastercard?
- 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 Citi / AAdvantage Executive World Elite Mastercard at $595/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and Citi / AAdvantage Executive World Elite Mastercard?
- Yes, since they're from different issuers (Chase and Citi) the application rules don't conflict. 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 Citi / AAdvantage Executive World Elite Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite Card: $5,000 spend in 3 months. Citi / AAdvantage Executive World Elite Mastercard: $7,000 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.