United Club Infinite Card
Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
Earn 80,000 bonus MileagePlus miles after spending $5,000 on purchases in the first 3 months your account is open, plus an additional 10,000 bonus miles after adding an authorized user and making a purchase in the first 3 months (up to 90,000 total).
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.
Earning Rates
At a glance
- United Club access
- 4x on United
- Hyatt Discoverist
- Priority everything
Earning rates
5- 11xflights
11x total miles per dollar on eligible United flight purchases (Basic Economy and base option tickets excluded from the bonus structure), composed of 6x as a MileagePlus member plus 5x from the card itself; Premier members earn additional miles per United (per Chase issuer page and Upgraded Points review). NOTE: This refreshed earning rate replaces the legacy 4x United structure cited in the user brief.
- 5xflights
5x miles per dollar on all other eligible United purchases beyond flights (United Vacations, Cruises by United, inflight, MileagePlus award fees, etc., per Chase issuer page)
- 5xlodging
5x miles per dollar on prepaid hotel stays booked through Renowned Hotels and Resorts for United Cardmembers (per Chase issuer page and Upgraded Points review)
- 2xdining
2x miles per dollar on all other travel (airfare, trains, transit, cruises, hotels, car rentals, rideshare, tolls) AND on dining including delivery and takeout (per Chase issuer page and Upgraded Points review). NOTE: This is broader than the dining-only / travel-only categories cited in the user brief.
- 1xeverything else
1x mile per dollar on all other purchases (per Chase issuer page)
Statement credits
12- $200Renowned Hotels CreditYearly
Up to $200 annual statement credit on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers
- $200JSX CreditYearly
Up to $200 annual statement credit on JSX semi-private jet flight purchases
- $150Rideshare CreditMonthly
Up to $12/month Jan-Nov and up to $18 in December rideshare statement credits (enrollment required)
- $100United TravelBank Car Rental CreditTwice a year
Up to $100 annual United TravelBank cash on Avis/Budget car rentals via cars.united.com ($50 first rental + $50 second rental)
- $240Instacart CreditMonthly
Up to $240 in calendar-year Instacart statement credits delivered as two $10 credits each month (enrollment required)
- $30Global Entry/TSA PreCheck/NEXUS CreditYearly
Up to $120 statement credit every 4 years for Global Entry, TSA PreCheck, or NEXUS application fees (amortized $30/yr)
- 25% back as a statement credit on purchases of food, beverages, and Wi-Fi on board United-operated and United Express-operated flights when paid with the card, plus 25% back on premium drink purchases at United Club locations (per Chase issuer page)
- $200Up to $200 in annual statement credits on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers each anniversary year, plus on-property perks (complimentary Wi-Fi, room upgrade, and early check-in / late check-out if available) when booked directly through the program (per Chase issuer page and Upgraded Points review)
- $200Up to $200 in annual statement credits on JSX semi-private jet flight purchases each anniversary year, booked directly through JSX with the card (per Chase issuer page and AskSebby refresh coverage)
- $150Up to $150 in annual rideshare statement credits, structured as up to $12 per month January through November and up to $18 in December, with annual enrollment required (per Chase issuer page and Upgraded Points review)
- $240Up to $240 in calendar-year Instacart statement credits delivered as two $10 credits each month, plus complimentary Chase Instacart+ membership through 12/31/2027 (enrollment required, per Chase issuer page)
- $120Up to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS application fees, available once every 4 years when the application fee is charged to the card by the primary cardmember or an authorized user (per Chase issuer page)
Perks & memberships
10- MembershipComplimentary United Club individual membership for the primary cardmember, valued by Chase at a minimum of $750 per year; includes the cardmember plus 1 adult guest and dependent children under 18 at 45+ United Club locations worldwide (per Chase Travel Benefits page and AskSebby refresh coverage)
- Lounge accessUnited Club All Access membership unlocked when the primary cardmember either earns MileagePlus Premier Gold status or spends $50,000 on purchases in a calendar year; All Access grants 2 adult guests (or 1 adult plus dependent children under 18), access to participating Star Alliance member-affiliated lounges, and 4 United Club one-time passes per year for authorized users (per Chase Travel Benefits page and AskSebby refresh coverage)
- Airline perkPremier Access travel services on United and United Express flights: priority check-in, priority security screening, priority boarding (Group 1 equivalent), and priority baggage handling where available, for the primary cardmember and companions on the same reservation (per Chase Travel Benefits page and Upgraded Points review)
- Award discount10% Saver Award Discount: primary cardmember and all passengers on the same reservation can book United Economy Saver Awards (fare classes X and XN) for travel within the continental United States or between the continental U.S. and Canada with 10% fewer miles; MileagePlus Premier members save even more (per Chase issuer page)
- Status earning1,500 Card Bonus Premier Qualifying Points (PQP) each year, deposited within 8 weeks of February 1 starting in the calendar year following account open, applied toward MileagePlus Premier status (per Chase issuer page)
- Elite statusComplimentary IHG One Rewards Platinum Elite status for the primary cardmember with enrollment; status includes complimentary room upgrades where available, extended check-out, points toward free nights, and elite points that never expire; status is maintained as long as the card account stays open and IHG One Rewards membership remains in good standing (per Chase issuer page and Upgraded Points review)
- Elite statusComplimentary Avis President's Club elite status for the primary cardmember with enrollment, including complimentary 2-car-class upgrades, guaranteed car availability, expedited rental service, and other Avis Preferred Plus benefits (per Chase issuer page and Upgraded Points review)
- ConciergeVisa Infinite Concierge: complimentary 24/7 Visa Infinite Concierge service for travel planning, restaurant reservations, sports / entertainment tickets, and similar requests (cardmembers are responsible for the cost of any goods or services arranged; per Chase issuer page and Visa Infinite network reference)
- No foreign feesNo foreign transaction fees on purchases made outside the United States (per Chase issuer page; Chase highlights that $5,000 in international spend would otherwise incur $150 in foreign transaction fees)
- Status earningMileagePlus miles never expire as long as the United Club Card account remains open, and cardmembers have access to expanded MileagePlus award availability on United-operated flights (per Chase issuer page)
Travel & purchase protections
9- Visa Infinite network benefits including Visa Infinite Luxury Hotel Collection, Visa Infinite Hotel Privileges, Visa Infinite Car Rental Privileges, and travel and emergency assistance services as part of the Visa Infinite tier the card sits on (per Visa Infinite network reference cited in Upgraded Points review)
- Primary auto rental collision damage waiver: when the entire rental is charged to the card and the rental company's CDW is declined, reimburses up to $60,000 for theft and collision damage on most rental vehicles with an MSRP of $125,000 or less; coverage is primary in the U.S. and abroad (per Chase issuer page)
- Trip cancellation and interruption insurance: up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable passenger fares, tours, and hotels when a trip is canceled or cut short by sickness, severe weather, or other covered situations (per Chase issuer page)
- Trip delay reimbursement: up to $500 per covered traveler for unreimbursed expenses such as meals and lodging when common carrier travel is delayed more than 12 hours or requires an overnight stay (per Chase issuer page). NOTE: The 6-hour / $500 trip delay benefit cited in the user brief is the Sapphire Reserve benefit; the United Club Card is at the 12-hour threshold per the Chase issuer page.
- Baggage delay insurance: up to $100 per day for up to 3 days for essential purchases (toiletries, clothing) when checked baggage is delayed more than 6 hours (per Chase issuer page)
- Lost luggage reimbursement: up to $3,000 per covered traveler for checked or carry-on baggage and personal property that is lost, damaged, or stolen by a common carrier (per Chase issuer page)
- Purchase protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft, up to $10,000 per item (per Chase issuer page). NOTE: Lower than the $500 / 120-day claim cap on some cards; United Club Card uses the higher $10,000 per-item Chase Visa Infinite tier.
- Extended warranty protection: extends the time period of the manufacturer's U.S. warranty by an additional year on eligible warranties of 3 years or less, for total coverage up to 4 years from the date of purchase (per Chase issuer page)
- Return protection: reimburses eligible items that the store will not accept within 90 days of purchase, up to $500 per item and up to $1,000 per 12-month period (per Chase issuer page)
More benefits & fine print (5)ShowHide
- Free first AND second standard checked bag on United-operated flights for the primary cardmember and one traveling companion on the same reservation, valued at up to $50 for the first bag and up to $60 for the second bag each way per person (savings of up to $440 per round trip, per Chase issuer page). NOTE: Per-bag cap values are higher than the $40/$50 quoted in the user brief because Chase refreshed the published bag fee values.
- Complimentary Premier Upgrades on award tickets for the primary cardmember and one companion on the same reservation, on select United-operated and United Express-operated flights, subject to availability (per Chase issuer page and Upgraded Points review)
- Up to $100 in annual United TravelBank cash on Avis or Budget car rentals booked through cars.united.com, structured as $50 on the first and $50 on the second eligible rental each anniversary year (minimum 2-day rental required, per Chase issuer page)
- MileagePlus Exclusive Events: cardmembers can use miles to access United-curated experiences such as multi-course dinners, sporting events, concerts, and behind-the-scenes operations facility tours (per Chase issuer page)
- Spend Instantly: the card can be added to a digital wallet and used immediately after approval, before the physical card arrives (per Chase issuer page)
How we verified this card (4 sources)ShowHide
Spotted something off? Report an issue. Read our verification methodology.
How to Earn the Bonus
Spend $5,000 in the first 3 months to earn the 80,000 miles (up to 90,000 with authorized user) bonus.
Ready to Apply?
Earn 80,000 miles (up to 90,000 with authorized user)
Apply NowAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
