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 Premier Card
Both are travel travel cards. The United Club Infinite Card comes from Chase at $695/yr; the Citi Strata Premier Card from Citi at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the Citi Strata Premier Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | United Club Infinite Card | Citi Strata Premier Card |
|---|---|---|
| Annual fee | $695 | $95 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 60,000 bonus points |
| Bonus value (est.) | $1,120 | $1,020 |
| Min spend to unlock bonus | $5,000 in 3 mo | $4,000 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 Premier Card
$95/yr · 60,000 bonus points
Editorial take: Citi Strata Premier Card
A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or Citi Strata Premier Card?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus 60,000 bonus points (~$1,020) on the Citi Strata Premier Card.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Citi Strata Premier 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 Premier Card at $95/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and Citi Strata Premier 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 Premier 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 Premier Card: $4,000 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.