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Chase Visa

United Club Infinite Card

The United Club Infinite is the top of United's cobrand stack, and the case for the $695 fee rests almost entirely on the United Club membership it includes, which the card values at $750 or more a year. The earning is sharp where United wants your spend, with 11x on United flights and 5x on other United purchases, then thins out to 2x on general travel and dining and 1x on everything else. The catch is that the over $875 in annual partner credits are split across rideshare, Instacart, JSX, Renowned Hotels, and United car rentals, so the headline value only materializes if your spending actually fits those buckets. For a frequent United flyer who would buy club access anyway, the math works; for an occasional traveler, the credits do most of the heavy lifting and the fee gets harder to justify.

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United Club Infinite Card card art
  • Annual fee
    $695
    $57.92/mo equivalent
  • Welcome offer
    90,000 miles
    ≈$1,170 at our valuation
    after $5,000 in 3 months
  • Recommended credit
    720-800
    Median 745. See why →

Earning rates

on United MileagePlus
  • 11x
    Airfare
    United flights only
  • 5x
    Hotels Resorts
    Renowned Hotels, prepaid
  • 5x
    Travel
    Other United purchases
  • 2x
    Dining
  • 2x
    Travel
    All other travel
  • 1x
    Everything else

Benefits and credits

Travel credits and perks

  • Award Flight Discount
  • Free First and Second Checked Bags
  • JSX Credit
    $200/year
  • Premier Access Travel Services
  • Premier Qualifying Points Head Start
  • Renowned Hotels Credit
    $200/year
  • Rideshare Credit
    $150/year
  • United Travel Credit (Avis/Budget)
    $100/year

Purchase and protection benefits

  • Extended Warranty Protection
  • Purchase Protection
  • Return Protection

shopping

  • Instacart Credit
    $240/year

Lounge access

  • United Club
    Unlimited visits

Travel and purchase coverage

  • Baggage delay
    $300
    Secondary coverage
  • Emergency evacuation and transportation
    $1,000,000
    Secondary coverage
  • Lost luggage
    $3,000
    Secondary coverage
  • Rental car collision damage waiver
    $60,000
    Primary coverage
  • roadside-assistance
    $50
    Secondary coverage
  • Travel accident insurance
    $500,000
    Secondary coverage
  • Trip cancellation and interruption
    $10,000
    Per trip $20,000
    Secondary coverage
  • Trip delay reimbursement
    $500
    Secondary coverage

Pricing and fees

Full Pricing and Terms
Purchase APR
19.74% to 28.24%
Foreign tx
None
Penalty APR (cap)
29.99%
Balance transfer
19.74% to 28.24%
Fee $5 or 5.00%, whichever is greater
Cash advance
28.49%
Fee $10 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Conditional
    Reports adult AU activity to all three bureaus; does not report minors (under 18).
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

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Sources

Data current as of June 4, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.