image-cdfd1d7695a16298710eaca36ec08a39e1268091-300x185-png

United Club℠ Infinite Card

Logo

Rating

5.0/5

4x miles on United® purchases, 2x miles on all other travel and dining and 1x mile on all other purchases.

Welcome Offer
Earn 80,000 bonus miles
Annual Fees
$525
Regular APR
20.99% - 27.99% Variable
Credit Score Needed
Excellent

The United Club℠ Infinite Card is a premium travel credit card designed for frequent United Airlines flyers. This card offers a range of benefits and rewards that can significantly enhance the travel experience for loyal United customers.

Rewards Structure

  • 4x miles per $1 spent on United purchases
  • 2x miles per $1 spent on all other travel
  • 2x miles per $1 spent on dining
  • 1x mile per $1 spent on all other purchases

This rewards structure is valuable for United loyalists, offering one of the highest earning rates on airline purchases among co-branded cards. The 4x miles on United purchases is especially noteworthy, providing a substantial 5.4% return based on TPG's valuations.

Rewards Ecosystem

The card's integration with United's MileagePlus program offers flexibility and value:

  • Miles can be redeemed for flights on United and Star Alliance partners
  • No blackout dates on United flights
  • Expanded award availability for cardholders
  • 10% discount on United Economy Saver Awards within the continental U.S. and Canada

Annual Fee

The United Club Infinite Card has a $525 annual fee. Key considerations:

  • Offset by the included United Club membership (valued up to $650)
  • Additional perks can further justify the fee for frequent United flyers
  • May be worth it for those who already pay for United Club access

Additional Benefits

  • Complimentary United Club membership
  • First and second checked bags are free for the cardholder and one companion
  • Premier Access travel services (priority check-in, security screening where available, boarding, and baggage handling)
  • 25% back on United inflight purchases
  • Global Entry/TSA PreCheck® application fee credit (up to $120 every four years)
  • Trip cancellation/interruption insurance
  • No foreign transaction fees

The annual fee for United Club membership alone can be offset, and the additional travel perks can provide significant value for frequent United flyers.

Who Should Consider This Card?

This card is ideal for:

  • Frequent United Airlines travelers
  • Those who value airport lounge access
  • Travelers who regularly check bags on United flights
  • United loyalists looking to earn elite status faster

However, it might not be the best fit for:

  • Infrequent travelers or those who don't often fly United
  • Budget-conscious travelers who can't justify the high annual fee
  • Those who prefer more flexible rewards programs

Conclusion

The United Club℠ Infinite Card offers substantial value for frequent United flyers. Its strengths include:

  • Generous earning rate on United purchases
  • Comprehensive United-specific travel benefits
  • Complimentary United Club membership

While the high annual fee may deter some, those who can take full advantage of the card's benefits—particularly the United Club access and free checked bags—will likely find the card worthwhile. The expanded award availability and ability to earn PQPs towards elite status further enhance its appeal for United loyalists.

The card's value proposition hinges on how frequently one flies with United and utilizes the associated benefits. For those deeply invested in the United ecosystem, the United Club℠ Infinite Card can be a powerful tool for elevating the travel experience and maximizing rewards.

Pros

  • Complimentary United Club membership: Saves up to $650 annually and provides access to United Club lounges worldwide

  • High earning rate on United purchases: 4x miles per dollar spent on United Airlines purchases

  • Premier Access travel services: Includes priority check-in, security screening (where available), boarding, and baggage handling

Cons

  • High annual fee: $525, which may be difficult to justify for infrequent United flyers or those unable to utilize the card’s benefits fully

  • Limited flexibility of rewards: Miles are most valuable when redeemed for United flights

  • Requires excellent credit: The high credit score requirement may make the card inaccessible to some

image-cdfd1d7695a16298710eaca36ec08a39e1268091-300x185-png

United Club℠ Infinite Card

Logo

Rating

5.0/5
Learn More