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 Custom Cash
Both are well-respected travel cards. The United Club Infinite Card comes from Chase at $695/yr; the Citi Custom Cash from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the United Club Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($920 more in estimated value) than the Citi Custom Cash's. Get the United Club Infinite Card first; revisit the Citi Custom Cash after you've earned that bonus.
| Feature | United Club Infinite Card | Citi Custom Cash |
|---|---|---|
| Annual fee | $695 | $0 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | $200 cash back |
| Bonus value (est.) | $1,120 | $200 |
| Min spend to unlock bonus | $5,000 in 3 mo | $1,500 in 6 mo |
| Issuer | Chase | Citi |
| Card category | travel | cashback |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | citi-ty |
| 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 Custom Cash
$0/yr · $200 cash back
Editorial take: Citi Custom Cash
Genuinely clever. 5% on whichever category you spent most on each month, capped at $500/month. Earns $25/month = $300/year effortlessly. Pairs with Premier to convert to transferable ThankYou Points.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or Citi Custom Cash?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus $200 cash back (~$200) on the Citi Custom Cash.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Citi Custom Cash?
- 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 Custom Cash at $0/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and Citi Custom Cash?
- 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 Custom Cash 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 Custom Cash: $1,500 in 6 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.