The Chase United Club Infinite Card Review (2021)


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The United Club Infinite Card is issued by Chase and is a card very clearly designed with United Airlines frequent flyers in mind. As the card which earns the most United Miles per dollar spent with United Airlines, and as the card that offers United Club membership as one of its benefits, this is a card that’s well worth considering if you fly with United Airlines with any great frequency.

Key Facts

Annual fee

  • $525

Welcome Bonus

  • Earn 75,000 bonus miles after spending $3,000 on your new card in the first 3 months of card membership (more details).

Earning Rates

  • 4 miles/dollar spent on purchases made directly with United Airlines
  • 2 miles/dollar spent on all other travel purchases
  • 2 miles/dollar spent on dining (includes delivery services like GrubHub and DoorDash)
  • 1 mile/dollar spent in all other categories

Note: This product is available to applicants who do not currently hold any United Club cards and who have not received a new cardmember bonus for any United Club card in the past 24 months.

Key Card Benefits

United Club Membership

The biggest benefit that the United Club Infinite Card offers is United Club Membership which, depending on your elite status with United, can be worth up to $650 per year.

The current cost of United Club membership

Two Free Checked Bags On United Airlines

The primary cardholder and one companion traveling on the same booking will each receive their first and second checked bags for free on United-operated flights as long as the booking is paid for using their United Club Infinite Card. With the first checked bag costing $35 and the second checked bag costing $45, this can represent a saving of up to $320 per roundtrip.

Priority Treatment At Airports

Holders of the United Club Infinite Card and their traveling companions receive access to priority check-in, priority security screening (where available), priority boarding, and priority baggage handling.

25% Rebate On United Airlines Inflight Purchases

When a cardholder uses their United Club Infinite Card to purchase food, drinks, or wi-fi onboard a United Airlines operated flight, they will receive a statement credit equal to 25% of the amount paid.

Global Entry Or TSA PreCheck Credit

A holder of the United Club Infinite Card receives a statement credit of up to $100 every four years to cover the cost of Global Entry or TSA PreCheck when they use their card to pay for their enrolment into either of those programs.

Where This Card Shines

The United Club Infinite Card is a card that United Airlines frequent flyers should find pays for itself with quite a bit of ease…and more. The Infinite Card costs $525 per year while the cheapest United Club annual membership costs $550 (for Premier 1K members) so, straight away, all United Club members would be better holding the Infinite Card (and enjoying all of its benefits) rather than paying for Club membership.

The 25% back on inflight purchases, the free checked bags, and the Global Entry/TSA PreCheck credit that the United Club Infinite Card offers all just add to the fact that, in the right hands, this is a card that shouldn’t cost anything extra to hold.

It’s also worth pointing out that there isn’t another available credit card that will earn a cardholder more United Miles for spending with United Airlines than the United Club Infinite Card. At 4 miles/dollar for all spending with United Airlines, this is the card anyone looking to boost their MileagePlus balance should be using.

Bottom Line

The United Club Infinite Card is a good card to hold if you’re a United Airlines frequent flyer because it offers United Club membership together with a host of other benefits for less than the cost of standalone United Club membership and earns cardholders more miles per dollar of direct spending with United Airlines than any other card on the market.

Find out how to apply for the United Club Infinite Card

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