United Club Infinite Card
$695 annual fee · $890/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 2x | uncapped |
| Dining | 2x | uncapped |
| Everything else | 1x | uncapped |
| Flights at United only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
| Hotels at Renowned Hotels and Resorts via Chase Travel only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5x | uncapped |
See how it ranks: best travel cards · best dining cards.
Signup bonus: 90,000 points after $5,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Bonus figure confirmed on the issuer's page 2026-09-14.
Statement credits — $890/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Renowned Hotels and Resorts credit | $200/year | annual · resets on your card anniversary |
| Rideshare credit | $150/year | monthly · enrollment required |
| Avis/Budget travel credit | $100/year | annual · resets on your card anniversary |
| Instacart credit | $240/year | monthly · enrollment required · through 2027-12-31 |
| JSX credit | $200/year | annual · resets on your card anniversary |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Unlimited United Club access for primary Cardmember plus 1 adult guest and dependent children under 18 ($750+ value)
- United Club All Access membership unlocked after $50,000 calendar-year card spend or reaching Premier Gold status+ (adds 2nd guest and Star Alliance-affiliated lounge access)
- 4 United Club one-time passes deposited each account anniversary (requires All Access membership and an authorized user on the account)
- Free first and second checked bags for primary Cardmember and one companion (up to $440 savings per roundtrip; 90-day waiver on ticket-purchase requirement after account opening)
- Premier Access travel services: priority check-in, security screening, boarding, and baggage handling
- Earn 1 PQP per $15 spent, up to 28,000 PQP per calendar year
- 1,500 Card Bonus PQP awarded each year within 8 weeks of February 1, starting the calendar year after account opening
- 10,000-mile award flight discount after $20,000 calendar-year spend, up to 2x per year (max 20,000 miles on $40,000 spend)
Does the fee earn out? · how we got this
The printed statement credits ($890/yr) cover the $695 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.
Is this $695 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at United. Its largest printed rate, 5x on flights, pays only at United. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Anyone who won't work the statement credits. The $695 fee is argued for by $890 of printed credits, spread across 5 separate credits, 2 of them monthly or quarterly — an unused month is gone, not banked, and 2 that must be enrolled in before they pay. Each one only pays if you were going to spend that way anyway; ignore them and the whole $695 has to come back through earn rates instead.
Don't want the fee any more?
United Club Infinite Card can normally be product-changed to three lower-fee cards in the Chase United MileagePlus family instead of being closed — which keeps the account, its age and its credit line.
Comparing cards in the same currency? See the best cards that earn United miles →
More from Chase
- United Explorer Card $150/yr
- United Gateway Card
- United Quest Card $350/yr
- World of Hyatt Business Card $199/yr
- World of Hyatt Credit Card $95/yr
- Aer Lingus Visa Signature Card $95/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com. Spot an error? Tell us.