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 Titanium Card
Both are travel travel cards. The United Club Infinite Card comes from Chase at $695/yr; the Mastercard Titanium Card from Barclays (Luxury Card) at $299/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 Titanium Card's. Get the United Club Infinite Card first; revisit the Mastercard Titanium Card after you've earned that bonus.
| Feature | United Club Infinite Card | Mastercard Titanium Card |
|---|---|---|
| Annual fee | $695 | $299 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | No public welcome bonus |
| 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 Titanium Card
$299/yr · No public welcome bonus
Editorial take: Mastercard Titanium Card
The entry tier of the Barclays Luxury Card lineup. The $299 AF buys Priority Pass Select and a real metal card, but earning is weak (1x base, 2x on Luxury Card Travel bookings) and the cash-back redemption rate is only 1 cent per point. Better only as a status-and-lounge play for people who do not want to carry a Sapphire Reserve or Venture X.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or Mastercard Titanium 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 bonus (~$0) on the Mastercard Titanium Card.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Mastercard Titanium 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 Titanium Card at $299/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and Mastercard Titanium 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 Titanium 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 Titanium 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.