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 Strata Elite Card
Both are travel travel cards. The United Club Infinite Card comes from Chase at $695/yr; the Citi Strata Elite Card 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 Strata Elite Card |
|---|---|---|
| Annual fee | $695 | $595 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 75,000 points |
| Bonus value (est.) | $1,120 | $1,350 |
| Min spend to unlock bonus | $5,000 in 3 mo | $6,000 in 3 mo |
| Issuer | Chase | Citi |
| Card category | travel | travel |
| 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 Strata Elite Card
$595/yr · 75,000 points
Editorial take: Citi Strata Elite Card
Citi's premium answer to Amex Platinum + Sapphire Reserve. The 12x on Citi-booked hotels is the best earning rate in the category; the $200 Blacklane and 4 Admirals Club passes are differentiated perks. $595 fee penciled out if you'll actually use the hotel + Splurge credits.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or Citi Strata Elite Card?
- The Citi Strata Elite Card has the bigger bonus, 75,000 points, worth roughly $1,350, 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 Citi Strata Elite 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 Citi Strata Elite Card at $595/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and Citi Strata Elite Card?
- 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 Strata Elite 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. Citi Strata Elite Card: $6,000 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.