For the frequent traveler loyal to United Airlines, the Chase United Club Infinite offers generous rewards including four miles per dollar spent on United purchases and two miles per dollar on travel-related expenses such as dining. The United Club Infinite also comes with premium perks including United lounge access, first and second checked bags are complementary and priority boarding which may offer a frequent traveler enough value to offset the $525 annual fee. However, if you’re looking to earn miles on everyday purchases like gas and local commute expenses, the Chase United Gateway earns you miles at two miles per dollar spent on these categories. The United Gateway is a good choice if you want a low-cost travel card since it has no annual fees and no foreign transaction fees.

Comparison Overview: Chase United Club Infinite vs. Chase United Gateway

  • Chase United Club Infinite
    Chase United Gateway
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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Chase United Club Infinite At a Glance

If you’re a frequent traveler on United looking for premium perks, the rewards and benefits of the Chase United Club Infinite can justify the $525 annual fee. The United Club Infinite Card offers travelers a generous four miles per dollar spent on United purchases. You also earn two miles per dollar on dining and hotel expenses and one mile per dollar on all other purchases. United Club Infinite cardholders also get complimentary access to all United Club locations and eligible Star Alliance lounges worldwide. You also get free checked bags and priority check-in, screening, boarding, and baggage handling.


  • Chase United Club Infinite

    An excellent card for earning United’s MileagePlus miles


    • ExcellentCredit Needed
    • $525Annual Fee
    • 1–4 Miles per $1*Rewards Rate
    • 4xRewards Rate on Air Travel
    • 2xRewards Rate at Hotels

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Chase United Gateway At a Glance

The Chase United Gateway is ideal for those who don’t travel frequently but still want to earn reward miles. With the Chase United Gateway card, you can earn miles on everyday spending at two miles per dollar spent on gas station purchases and for your local commuting expenses. You also get two miles per dollar for United purchases and one mile per dollar for all other eligible purchases. While this card doesn’t have luxury travel perks, you still have access to: purchase protection, 25% back on United in-flight food, beverage and Wi-Fi purchases and no foreign transaction fees.


  • Chase United Gateway

    A great no-annual-fee rewards card for people who fly United


    • Good-ExcellentCredit Needed
    • $0Annual Fee
    • 1 Mile per $1Rewards Rate
    • 2xRewards Rate on Air Travel
    • 2xRewards Rate on Gas

    Terms, rates and fees apply

    Compare this credit card with other top-rated travel rewards cards.

Comparison Summary

You can compare the benefits and features of the Chase United Club Infinite card and the Chase United Gateway card to see which card suits your needs best.

  • Card Detail
    Comparison Summary
  • Travel Coverage and Purchase Protection

    Chase United Club Infinite can reimburse you up to $10,000 per person and $20,000 per trip for your prepaid, non-refundable travel expenses for canceled trips while the Chase United Gateway will reimburse you up to $1,500 per person and $6,000 per trip. The United Club Infinite comes with purchase protection for 120 days of up to $10,000 per claim and $50,000 per year but the United Gateway per claim limit is $500.

    Winner: Chase United Club Infinite

  • Welcome Bonus

    The United Club Infinite card offers a welcome bonus of 100,000 bonus miles for cardholders who spend $5,000 on purchases in the first three months while the United Gateway has a welcome bonus of 20,000 miles if you spend $1,000 on purchases in the first three months.

    Winner: Chase United Club Infinite

  • Rewards

    The Chase United Club Infinite earns you four miles per dollar on United purchases, two miles per dollar on dining and all other travel-related purchases and one mile per dollar on all other purchases. The United Gateway earns two miles per dollar on United purchases, gas station purchases and local commute expenses such as tolls and rideshare services and one mile per dollar on all eligible purchases.

    Winner: Chase United Club Infinite

  • Annual Fee

    The Chase United Club Infinite has a $525 annual fee while the United Gateway has no annual fee.

    Winner: Chase United Gateway

  • Loyalty Programs

    The Chase United Club Infinite and the United Explorer offer premier upgrades on award tickets, United plus card member exclusives and Platinum Elite status with IHG. You can also earn Premier qualifying points to apply towards Premier status tiers. The Chase United Gateway earns you MileagePlus miles that can be redeemed for gateways and unique experiences but does not earn any Premier points.

    Winner: Chase United Club Infinite

Which Card Should You Get?

When deciding whether to go for the Chase United Club Infinite or Chase United Gateway card, it’s important to consider how you can get the most value out of each of these Chase credit cards.

Who Should Consider the Chase United Club Infinite?

The Chase United Club Infinite has a hefty $525 annual fee but it may still be a great travel card option for you. This card is better than the United Gateway in terms of travel perks and rewards earning rates. Go for the United Club Infinite if:

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    You travel frequently on United and want to access premium perks like priority boarding, free checked bags and access to United lounges.

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    You want to earn reward miles fast. With a rewards rate of four miles per dollar on United purchases, it is easy to rack up reward miles on the United Club Infinite especially if you travel frequently.

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    If you’re a member of the United Club, this card will offer you more value since you will get a refund for the unused portion of your membership fee.

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Who Should Consider the Chase United Gateway?

The Chase United Gateway is a solid card for those who do not travel frequently and want a card with no annual fee. The United Gateway card is better than the United Club Infinite if you don't travel often, but spend regularly on everyday purchases.

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    You want a travel card with no annual fees that will still give you value if you travel infrequently and allow you to earn United miles on your everyday purchases.

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    You want to earn miles for award flights, but do not necessarily need a card with premium United perks like priority boarding, lounge access or free checked bags.

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EXPERT OPINION

These two United cards are vastly different in their offering. The Gateway card is meant for travelers who fly one–three times per year, while the United Club Infinite is meant for United flyers that fly more than six times per year. Because of this, neither of these cards are ‘better’ than the other. Each card has a specific user it targets, and if you’re debating between the two cards, it should simply come down to how often you travel with United.

Other Helpful Decision-Making FAQs

You can learn more about the Chase United Gateway and the Chase United Club Infinite in the frequently asked questions below.

Still Not Sure About These Cards? Consider These Options

The Chase United Club Infinite is tailored for the luxury traveler looking for premium perks and hefty rewards. With an annual fee of $525, those who don’t travel United regularly may not get enough value from the United Club Infinite. However, the United Gateway has no annual fee and will benefit even those who don’t travel frequently since it offers miles on everyday purchases. However if you aren’t a United loyalist, you may also consider other travel credit cards like the Chase Sapphire Reserve.

Learn more about credit cards in general

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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