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 Mastercard Black Card
Both are travel travel cards. The United Club Infinite Card comes from Chase at $695/yr; the Mastercard Black Card from Barclays (Luxury Card) at $699/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 Mastercard Black Card's. Get the United Club Infinite Card first; revisit the Mastercard Black Card after you've earned that bonus.
| Feature | United Club Infinite Card | Mastercard Black Card |
|---|---|---|
| Annual fee | $695 | $699 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | No public welcome offer |
| Bonus value (est.) | $1,120 | $0 |
| Min spend to unlock bonus | $5,000 in 3 mo | $0 in 0 mo |
| Issuer | Chase | Barclays (Luxury Card) |
| Card category | travel | travel |
| 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
Mastercard Black Card
$699/yr · No public welcome offer
Editorial take: Mastercard Black Card
The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or Mastercard Black 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 No public welcome offer (~$0) on the Mastercard Black Card.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Mastercard Black 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 Mastercard Black Card at $699/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and Mastercard Black Card?
- Yes, since they're from different issuers (Chase and Barclays (Luxury Card)) 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 Mastercard Black 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. Mastercard Black Card: $0 in 0 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.