United Club Infinite Card review: 90,000 bonus miles and lounge access
United Club Infinite Card overview
The United Club Infinite Card is the ideal card for United lounge access — bar none. For any loyal United flyer who spends a significant amount of money with the airline each year, this card would make a great addition to your wallet. And with a welcome offer of 90,000 bonus miles, now is a good time to apply. Card rating*: ⭐⭐⭐
* Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
The United Club Infinite Card's $525 annual fee sounds high until you factor in the United Club membership included with the card. Membership normally costs $650 per year for non-elite members.
In addition, one of the primary disadvantages of many airline credit cards is a low return on spending, even on branded purchases, as most airline cards only offer 2 or 3 points per dollar on airline purchases. But the United Club Infinite Card sets a new standard with an impressive 4 points per dollar on United purchases.
Let's dive into the top-tier United Club Infinite Card to see if it makes sense for you.
Official application link: United Club Infinite Card with 90,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.
United Club Infinite welcome offer
The United Club Infinite has a welcome offer of 90,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.
Based on TPG's valuation of United miles at 1.45 cents per mile, this makes the miles alone worth a solid $1,305 toward air travel.
While this card is an entirely separate product from the United Club Card (which is no longer open to new applicants), you aren't able to have both cards at once, and sign-up bonuses are limited to one every 24 months. Here are the exact eligibility terms:
This card product is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months.
And given this is a card issued by Chase, which means it's subject to the issuer's infamous 5/24 rule. If you have opened five or more card accounts in the past 24 months (across all issuers, not just Chase), you will probably be denied for this one.
The information for the United Club Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: The best cards to get after you hit 5/24
Earning miles on the United Club Infinite
The earning rates on the United Club Infinite Card are what ultimately set it apart from other cobranded airline credit cards.
Cardholders accrue:
- 4 miles per dollar on United purchases.
- 2 miles per dollar on all other travel.
- 2 miles per dollar on dining purchases.
- 1 mile per dollar on everything else.
That's a 4.4% return on United spending (based on TPG valuations), higher than any other airline credit card.
Related: The best airline credit cards
Since Chase is the issuing bank, the travel and dining categories are broadly defined, just as they are with Ultimate Rewards credit cards such as the Chase Sapphire Reserve and Chase Sapphire Preferred Card.
If you have either of those cards, you'll want to use those for general travel and dining spending since Chase Ultimate Rewards points are worth more than United miles. But if you don't already have either of those cards, you'll still be able to earn rewards on those purchases with the United Club Infinite Card.
Related: All the ways to earn miles with the United MileagePlus program
Redeeming miles on the United Club Infinite
When you are ready to redeem miles, United does have some sweet spots in its MileagePlus program. Unfortunately, United no longer publishes an award chart, which means award redemption rates can be unpredictable.
But there are other ways to find value in the program, such as the United Excursionist Perk or booking partner awards with United miles. United doesn't pass on fuel surcharges on partner awards, which can save you hundreds of dollars per ticket when booking awards like first-class tickets on Lufthansa.
Related: Maximizing redemptions with United MileagePlus
United Club Infinite benefits
The United Club Infinite Card mirrors many of the United Club Card's travel perks and protections — with one significant addition.
United Club membership
The high point of the United Club Infinite Card is a United Club membership, which grants you access to United Clubs and select Star Alliance lounges when flying United and its partners.
You'll also be able to bring up to two adult companions (or one adult and any dependent children under the age of 21). Considering this benefit costs up to $650 each year, this perk alone makes up for the card's $525 annual fee.
Global Entry/TSA PreCheck application fee credit
If you don't already have Global Entry or TSA PreCheck, the United Club Infinite Card will refund your application fee (up to $100) once every four years. Travelers who already have the benefit can always gift this perk to a family member or friend.
IHG Platinum status and a $75 credit
The primary United Club Infinite cardholder is eligible for complimentary Platinum Elite status with IHG Rewards. Perks at this status level include complimentary room upgrades, extended checkout and bonus points on stays.
In addition, cardholders will receive a $75 statement credit for IHG Hotels & Resorts purchases charged to the card this year, through Dec. 31.
Related: The award travelers guide to IHG Rewards
Elite-like perks
The card comes with two free checked bags (for the primary cardholder and one traveling companion on the same reservation paid for with the card), Premier Access (which includes priority access for check-in, security screening where available, boarding and baggage handling), 25% back on United inflight purchases, expanded award availability and more.
If you have United elite status, these perks may not be as compelling. But for those who have yet to earn it, these are valuable benefits.
10% mileage discount
The primary United Club Infinite cardmember will also be able to book economy Saver Awards on United flights within the continental U.S. and Canada for 10% fewer miles than awards available to the general public.
If you are a Club Infinite cardholder, you will see the mileage difference once logged in to your MileagePlus account. For example, a Saver Award may show as 5,000 miles when you are not signed in, but the same award will show as 4,500 miles if signed in to your account.
This supplements the existing perk of access to expanded award availability for all United cobranded cardholders.
Related: How to unlock additional award availability with United
Elite status spending shortcut
United Club Infinite cardholders can earn up to 4,000 Premier qualifying points per calendar year. You earn 500 PQPs per $12,000 spent on your card. Of course, that will require spending a whopping $96,000 to fully maximize, but it still might be within reach for some.
Travel and purchase protections
With this card, you're getting various travel protection benefits, including:
- Trip cancellation/trip interruption insurance.
- Baggage delay insurance.
- Lost luggage reimbursement.
- Trip delay reimbursement.
- Purchase protection.
- Extended warranty protection.
- Return protection.
Rental car privileges
Primary cardholders can sign up for complimentary Avis President's Club membership, which typically requires an invitation to join. President's Club members receive complimentary upgrades of two car classes, guaranteed car availability when you book at least 24 hours in advance and expedited rental service.
Related: How to earn miles with the United Airlines MileagePlus program
Which cards compete with the United Club Infinite?
There are a number of cards that are competitive with the United Club Infinite:
- If you want a lower annual fee: The United Explorer Card is packed with premium perks such as an up-to-$100 Global Entry or TSA PreCheck application fee statement credit, two annual one-time lounge passes and free checked bags — easily justifying its modest $95 annual fee, waived for the first year. For more information, read our full review of the United Explorer.
- If you want a more all-around card: The Chase Sapphire Preferred Card is one of the best-known travel rewards credit cards, featuring 5 points per dollar on travel booked through the Chase travel portal and Lyft purchases (through March 2025), 3 points per dollar on dining, select streaming services and online grocery store purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on everything else. For more information, read our full review of the Sapphire Preferred.
- If you want tons of perks: The Platinum Card® from American Express is one of the top premium travel rewards cards. As a cardmember, you'll earn valuable Membership Rewards points, receive up to $1,500 in annual statement credits and access to an extensive network of airport lounges worldwide. For more information, read our full review of the Amex Platinum.
For additional options, check out our full list of the best United travel cards.
Read more: Why you'll want to pay the $95 annual fee on the Chase Sapphire Preferred
Bottom line
If you spend thousands of dollars on United flights each year, the United Club Infinite Card is worth considering. You're getting a great earning rate for a cobranded card, a strong lineup of perks, United Club access and solid travel protections.
The United Club Infinite has a welcome offer of 90,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.
Make sure to take this opportunity to start stockpiling MileagePlus miles for your next dream destination.
Official application link: United Club Infinite Card with an 90,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.
Additional reporting by Ryan Wilcox, Stella Shon and Chris Dong.