Individuals who often travel via United Airlines can enjoy the United Club℠ Infinite Card's benefits. Cardholders can earn miles by making eligible purchases and access travel perks like United Club membership, free checked bags and preferential treatment. This card may be ideal for international travelers, as it has no foreign transaction fees. Its $525 annual fee, however, may be too much for some.
MoneyGeek’s Take
United Club℠ Infinite Card Review
Updated: July 25, 2024
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United Club℠ Infinite Card
Rewards Rate
Earn 4 miles per dollar on United® purchases, 2 mi...APR
21.99% - 28.99% VariableAnnual Fee
$525Recommended Credit
740-850 (Excellent)- The United Club℠ Infinite Card stands out for frequent flyers, especially those loyal to United Airlines. It offers an impressive bonus miles opportunity and rewards generously on United, travel and dining expenses. The card's standout feature is its range of complimentary travel perks, including checked bags and flight discounts, enhancing the overall travel experience. However, it's tailored more towards high spenders due to its significant annual fee and high credit requirements.
WHY TRUST OUR REVIEWS
MoneyGeek’s methodology and process for this United Club℠ Infinite Card review uses information collected from credit card companies and the Consumer Finance Protection Bureau’s database. We applied standardized data points based on fees, bonuses, rewards and estimated average spending profiles. MoneyGeek conducts a regular review to reflect changes in credit card details and offers.
United Club℠ Infinite Card Overview
The United Club℠ Infinite Card offers bonuses and rewards beyond its travel perks and lack of foreign transaction fees, including unlimited miles.
>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE
Quick Take
- Limited-time offer: Earn 90,000 bonus miles after qualifying purchases
- Earn 4 miles per $1 spent on United® purchases
- Earn 2 miles per $1 spent on all other travel and dining
- Earn 1 mile per $1 spent on all other purchases
- Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
- 10% United Economy Saver Award discount within the continental U.S. and Canada
- Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
- Member FDIC
Important Card Details
If you are considering applying for a Chase United Club Infinite Card, familiarize yourself with its features, fees and rates. Prospective cardholders should research the APR, rewards rates, annual fee, transaction fees and late fees for a complete picture of the card.
Regular APR
The APR for purchases, loans and balance transfers is a high 21.99% - 28.99%. The cash advance rate is 29.99%, while the penalty APR for failure to make minimum payments by the due date or returned payments reaches up to 29.99%.
Annual Fee
This card applies a high annual fee of $525.
Miles Rewards Rate
You can earn 4x miles for every dollar you spend on United purchases, double the miles on other travel purchases, at restaurants and on eligible delivery services, and 1x on other eligible purchases.
Late Fees
Penalty fees for late and return payments may reach up to $40.
Transaction Fees
There is no foreign transaction fee, but cardholders have to pay either $5 or 5% for each balance transfer. Individuals must pay either $10 or 5% for every cash advance transaction, as well.
Additional Benefits
When looking for the best credit card, consider your personal needs, along with your current financial situation. Next, compare different features among various credit cards. For instance, aside from United Club℠ Infinite Card's benefits, the card also features strong security and protection measures. Chase’s customer service support also garners positive satisfaction ratings.
How the United Club℠ Infinite Card Compares To Other Cards
If you are looking for a credit card that earns miles, offers travel rewards and has no foreign transaction fee, then United Club℠ Infinite Card may be a good option. However, it has a high APR and an expensive annual fee. Consider checking other credit cards that offer similar features but have cheaper fees.
In-Depth Credit Card Comparisons:
How the United Club℠ Infinite Card Compares
United Club℠ Infinite Card
- Annual Fee: $525
- APR for Purchases: 21.99% - 28.99% variable
- Foreign Transaction Fees: 0%
- Rewards Rates: 4x miles on United purchases, 2x at restaurants and on other travel purchases, and 1x on other eligible purchases
- Best For: Frequent United travelers looking for a miles-earning card with significant travel rewards and no foreign transactions
American Express® Gold Card
- Annual Fee: $325 See Rates and Fees
- APR for Purchases: See Pay Over Time APR* See Rates and Fees
- Foreign Transaction Fees: 0% See Rates and Fees
- Rewards Rates: Earn 4X Membership Rewards® points per dollar spent at restaurants worldwide, up to $50,000 per calendar year. After that, earn 1X points. 4X Membership Rewards® points per dollar spent at U.S. supermarkets, up to $25,000 per calendar year. After that, earn 1X points. 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. And earn 1X Membership Rewards® points per dollar spent on all other eligible purchases.
- Terms Apply
- Best For: Frequent fliers and diners looking for rewards cards
Frequently Asked Questions
What is the average credit score needed to get approved for United Club℠ Infinite Card?
While there is no specific information about the necessary credit score to receive approval for the United Club℠ Infinite Card, maintaining a good to excellent score of 690 or higher can help you with most credit card applications.
Does United Club℠ Infinite Card report to all three credit bureaus?
Yes. United Club℠ Infinite Card reports to the three credit reporting agencies: Equifax, TransUnion and Experian.
Is the United Club℠ Infinite Card application process lengthy? Can you prequalify?
Applicants can complete the process in minutes by answering the form found on the company’s website. For pre-qualification, the card issuer makes decisions on eligibility.
What information is needed to apply for United Club℠ Infinite Card?
Applicants provide their full name, mailing address, date of birth and mother’s maiden name. Each candidate must also provide their email address, SSN or TIN, total gross annual income, primary source of income and phone number.
Does United Club℠ Infinite Card have good customer service or satisfaction?
Yes. Chase ranked second on J.D. Power’s 2020 National Banking Satisfaction Study. Clients can also easily access customer service support via phone, online, social media or mobile app.
Does United Club℠ Infinite Card have a mobile app or the option to pay or manage your account online?
Yes. You can use your online account or mobile app to pay bills and manage your account.
Does United Club℠ Infinite Card raise credit limits automatically or charge for limit increases?
Yes. Chase can choose to automatically raise credit limits. However, you can also call their hotline to request a free increase.
Does United Club℠ Infinite Card offer the options to freeze your credit/account or have other security features?
Yes. You can use your online account to freeze your United Club℠ Infinite Card credit card.
Does Chase offer other credit cards besides United Club℠ Infinite Card?
Yes. Chase offers the Southwest Rapid Rewards Premier, United Business, Ink Business Preferred and World Hyatt Credit Cards, for example.
For rates and fees of the American Express® Gold Card, please click here.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
*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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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.