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.
All credit cards
Side-by-side
United Club Infinite Card vs IHG One Rewards Premier
Both are well-respected travel cards. The United Club Infinite Card comes from Chase at $695/yr; the IHG One Rewards Premier from Chase at $150/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 ($1,120 more in estimated value) than the IHG One Rewards Premier's. Get the United Club Infinite Card first; revisit the IHG One Rewards Premier after you've earned that bonus.
| Feature | United Club Infinite Card | IHG One Rewards Premier |
|---|---|---|
| Annual fee | $695 | $150 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 180,000 bonus points |
| Bonus value (est.) | $1,120 | - |
| Min spend to unlock bonus | $5,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Chase | Chase |
| Card category | travel | hotel |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
|
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
Read the full review
IHG One Rewards Premier
$150/yr · 180,000 bonus points
Editorial take: IHG One Rewards Premier
A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $150 annual fee.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or IHG One Rewards Premier?
- The United Club Infinite Card has a public bonus (80,000 miles (up to 90,000 with authorized user), worth roughly $1,120), while the IHG One Rewards Premier doesn't advertise one right now.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the IHG One Rewards Premier?
- 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 IHG One Rewards Premier at $150/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and IHG One Rewards Premier?
- 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 IHG One Rewards Premier first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite Card: $5,000 spend in 3 months. IHG One Rewards Premier: $3,000 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.