United Club℠ Infinite Card Review [2024]: Is it Worth the Annual Fee?

Card basics

Card rating	4.8 FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.
Card type	Travel
Card issuer	Chase
Annual fee	$525
Welcome offer	Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening (limited-time offer)
Reward rate	4x miles on United purchases; 2x miles on all other travel and dining; plus 1x mile on all other purchases
Recommended credit score	Excellent
Foreign transaction fee	None

Who should get the United Club Infinite Card?

While you don’t need to fly every week or even every month for this card to be valuable, you should fly United at least a few times per year.

You should also value amenities like lounge access. Otherwise, the math doesn’t work when it comes to the annual fee. It’s not a card for someone who doesn’t fly United often or who prefers budget travel.

Why it’s worth the annual fee

Let’s look at some of the United Club Infinite Card’s perks and see how they add up.

Checked bags

The cost to check a bag varies, but one example one-way flight from LAX to DTW offered the 1st bag prepaid for $35 and the 2nd bag prepaid for $45, for a total of $80. For two passengers, that comes to $180 each way.

Lounge access

Airport food and beverage prices are ridiculous. I’ve spent $12-$15 on some of the saddest sandwiches I’ve ever seen. The value of access to food and drinks alone is easily $30 per person.

In fact, United values it at $59, which is the cost of a one-time pass to a United lounge. You can bring one adult guest plus dependent children under age 21 or two adult guests. So each visit to the lounge with two adults is valued at almost $120.

TSA PreCheck, Global Entry, or NEXUS credit

The United Club Infinite card offers up to $120 in a statement credit once every four years, so it’s worth about $30 per year. I’ve personally gotten a lot of value from TSA PreCheck — the lines are shorter, and I don’t have to spend time fumbling around getting my shoes on and off.

Elevated earnings

With this card you can earn 4x miles on United purchases. This is the highest earning rate on United purchases of any of its consumer cards. Which aligns with the purpose of the card — this card is for people who fly United somewhat frequently, which makes the most of the high earnings rate.

Other benefits and perks

• Impressive welcome offer: You can earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening (limited-time offer). This more than offsets the annual fee the first year on its own and is one of the highest welcome offers I’ve seen.
• 25% back on in-flight purchases: When flying on United-operated flights, receive 25% back as a statement credit on inflight purchases of food, beverages, and Wi-Fi when you use this card. Wi-fi i s $8 for MileagePlus members on domestic flights and varies elsewhere. So while this isn’t a life-changing benefit, every little bit helps.
• Premier Access: You receive complimentary Premier Access benefits at the airport, including priority boarding, exclusive security screening lanes, and priority baggage handling. That gives you a better chance at snagging overhead bin space, lessens your wait times, and gives you a chance to settle in before take-off.
• Travel insurance: Receive essential travel insurance, including trip cancellation/trip interruption insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, and auto rental collision damage waiver.

Who shouldn’t get this card?

You shouldn’t get this card if you’re not at least somewhat loyal to United. If you’re ambivalent about which airline you travel with but you’d still like some luxury perks, the Chase Sapphire Reserve^® might be a better fit. It’s structured like the United Club Infinite Card (high annual fee, high value) and offers lounge access.

You also shouldn’t get this card if you aren’t confident you’ll get enough value to offset the annual fee.

If you like flying United but the annual fee on the United Club Infinite Card is hard to swallow, I’d consider the United℠ Explorer Card. It has a much more modest annual fee of $95 (waived first year).

You get priority boarding, a free checked bag, and two one-time-use United Club passes each year with the Explorer card. This is a very unusual benefit that I haven’t seen on similar airline cards. It also includes up to $120 in statement credits every four years for Global Entry, TSA PreCheck, or NEXUS.

It does have a significantly lower earnings rate than the United Club Infinite Card, which is understandable given the difference in annual fees.

Earning and redeeming United miles

Potential earnings in year one

Here's a look at how your miles can add up with the United Club Infinite Card To calculate these values, we used a point valuation of 1 cent per mile.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $1,860

Year two earnings: $825

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model, which looks at points or miles earned via spending, any welcome offer, and the annual fee.

For this particular card, the assumption is that the travel spending did not include any purchases from United Airlines. Of course, with this card you are likely to book United flights and enjoy the higher rewards earning rate associated with those purchases. Therefore your earnings would potentially be much higher.

Additionally, if you take advantage of this card's many perks — free checked bags, the TSA PreCheck, Global Entry, or NEXUS application fee credit, and United Club membership — then your earnings will likely be hundreds of dollars more than the valuation above.

Best ways to earn

Given that you earn 4x miles on United purchases; 2x miles on all other travel and dining; plus 1x mile on all other purchases, you’ll want to keep this card on you when you travel and use it to book your United flights.

Maximizing your redemptions

The best way to redeem your miles is by flying United with points. Award redemptions on flights will typically offer you the best value for your miles, which makes complete sense for an airline credit card.

You can redeem your miles for flights with United and take advantage of its frequent flight sales and the United Excursionist Perk (this is a free one-way award flight), or you can find a good deal through one of United’s Star Alliance partner airlines.

One of the top ways to stay updated on award sales from different airlines is to follow their social media accounts and/or subscribe to their email newsletters. Then you can see deals and sales as they’re posted, which gives you the opportunity to score discounted flights.

You can also redeem MileagePlus miles for hotel stays, car rentals, cruises, products, gift cards, experiences, and more. These award redemptions will likely offer less value than redeeming your miles for flights, though.

For instance, a $100 iTunes gift card would cost 33,333 MileagePlus miles, whereas an economy one-way flight fare from the U.S. to Europe would normally cost over $300, or 30,000 MileagePlus miles. Your miles can pack a lot more value when you use them for flights.

Note that you can also redeem 30,000 miles to cover the $525 annual fee, which gives you a value of 1.75 cents per mile.

United transfer partners

Cardholders can take advantage of United’s transfer partnerships with Star Alliance member airlines and the Marriott Bonvoy loyalty program. You can convert MileagePlus miles to Marriott Bonvoy points at a 1:1 ratio if you’re a Premier Gold or higher MileagePlus member.

Star Alliance is an aviation alliance consisting of more than two dozen member airlines from around the world, including United Airlines, Singapore Airlines, Lufthansa Airlines, Air Canada, and many more. You can earn and use MileagePlus miles on all Star Alliance member airlines and other United airline partners, like Aer Lingus and Hawaiian Airlines.

Here are the full lists of United’s airline transfer partners, including the Star Alliance airline members.

Star Alliance:

Other worldwide partners:

FAQ

Bottom line

If you fly United at least a few times a year and you appreciate lounge access, the United Club Infinite card is worth the annual fee. It includes a lot of value that aligns well with frequent travel, and the welcome offer gets you off on the right foot.

If the annual fee feels too steep, the United Club Explorer card is a worthy alternative. Or if you’re not sure you’d fly United enough, a card like the Chase Sapphire Reserve offers similar perks without the commitment to an airline.

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FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

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Current Offer

Earn 60,000 bonus miles after you make your first purchase and pay the annual fee in the first 90 days

Annual Fee

$99

Rewards Rate

2X miles per dollar spent on eligible American Airlines purchases, and 1X mile per dollar spent on all other purchases

Benefits and Drawbacks

Benefits

• Earn 60,000 bonus miles after you make your first purchase and pay the annual fee in the first 90 days
• 2X miles on eligible American Airlines purchases
• Intro APR on balance transfers
• In-flight savings options, first check bag free, preferred boarding
• No foreign transaction fees

Drawbacks

• Has annual fee
• Best for American Airlines travelers

Card Details

• Earn 60,000 bonus miles after you make your first purchase and pay the annual fee in the first 90 days
• 2X miles per dollar spent on eligible American Airlines purchases, and 1X mile per dollar spent on all other purchases
• Intro balance transfer 0% APR offer: 0% for 15 billing cycles (on balance transfers that post within 45 days of account opening) then 20.74% to 29.99% (variable)