United Club℠ Infinite
Premium United Travel Card
Annual Fee
$695
Earning Rate
5x United purchases • 5x prepaid Renowned Hotels • 2x travel • 2x dining • 1x everything else
Welcome Bonus
Up to 90,000 miles: 80,000 after $5,000 spend in 3 months, plus 10,000 for adding an authorized user
Card Material
Metal card with matte finish • colors: Black
Practical Recommendation
This is the "live in United Clubs" card. If United is your primary airline, the built-in United Club membership, two free checked bags for you and a companion, Premier Access, and a pile of partner credits can make the $695 feel fair. You also get better earn on United spend than the mid-tier cards.
The fee jumped from $525 to $695, and United's answer was to bolt on more credits — rideshare, Instacart, Renowned Hotels, Avis/Budget, JSX. They total well over the fee on paper, but each one needs enrollment or a specific booking channel, so treat them as optional extras rather than a guaranteed offset. The lounge membership is still the reason to hold this card.
If you don't actually visit lounges or fly United often, the credits will be homework and the fee will sting. Bottom line: frequent United flyers who value lounge time will like it; everyone else should consider a cheaper United card.
Credits
Practical Advice
This is what makes or breaks a card for you. If you can use these credits in your normal spend, the perks and protections are all bonus for you. We have a calculator at the bottom of this section to help you calculate that. Below we break down exactly what every credit is to show you if it's easy or if they're going to make you jump through 17 hoops to redeem it.
- $200 Renowned Hotels & Resorts Credit – Up to $200 back per account year on prepaid hotel bookings made through Renowned Hotels and Resorts for United Cardmembers. Useful if you already book eligible properties; not a fit for bargain hunters.
- $150 Rideshare Credits (enrollment required) – Up to $12 back per month January through November and up to $18 in December on eligible rideshare purchases, for up to $150 per calendar year. Requires a yearly opt-in; unused months do not roll over. Good if you already use rideshare monthly; worth $0 if you don't.
- $100 United Travel Credit via Avis/Budget – $50 in United TravelBank cash for each of your first two Avis or Budget rentals per anniversary year (max $100), booked at cars.united.com and paid with the card. Nice if you rent cars a couple of times a year; $0 if you don't rent.
- Instacart Credits (up to $240/yr, through 12/31/27) – Two $10 Instacart credits every month (up to $240 per calendar year) plus a complimentary Instacart+ membership — not just a trial, unlike the lower-tier United cards. Great for regular Instacart users; skip if you prefer in-store shopping.
- $200 JSX Credit – Up to $200 in credits for eligible JSX bookings each account anniversary year. Niche but valuable if JSX serves your routes.
- TSA PreCheck / Global Entry / NEXUS Credit – Up to $120 credit for a membership fee once every 4 years when you pay with the card. Easiest value if you haven't enrolled yet.
Click Here to Calculate Your Annual Fee
Credit
Include
Your Value
Practical Tip
You can edit the amounts in the number fields if you value a credit at less than the full value. For example, if you only use a $10/month Uber credit half the months, you might value it at $60 instead of $120.
Renowned Hotels & Resorts Credit
| What It Is: | Up to $200 in statement credits per account year on prepaid hotel bookings via Renowned Hotels and Resorts for United Cardmembers. |
| How It Works: | Book prepaid stays through the designated portal; credit posts after the charge. |
| Gotchas: | Must book through the program; prices can differ from direct; prepayment required; limited property list. |
| Who Actually Benefits: | Travelers who already choose participating hotels and don't mind booking through a portal. |
| Practical Value: | Easy $200 if it matches your travel; otherwise $0. |
$0
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Your Value:
$0
Rideshare Credits
| What It Is: | Up to $150 per calendar year in statement credits on rideshare purchases: $12/month (Jan-Nov) + $18 in December. Yearly opt-in required. |
| How It Works: | Enroll yearly; use the card with participating services; credits post monthly up to the monthly cap. |
| Gotchas: | Yearly enrollment required; monthly caps don't roll over; participating providers only. |
| Who Actually Benefits: | Regular rideshare users. |
| Practical Value: | Easy $12-18/month if you ride regularly; $0 if you don't use rideshare. |
$0
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Your Value:
$0
United Travel Credit via Avis/Budget
| What It Is: | $100 in United TravelBank funds after an eligible Avis/Budget car rental booked through the required path. |
| How It Works: | Book the qualifying rental; complete the rental; TravelBank funds deposit and can be used on future United flights. |
| Gotchas: | Specific booking paths/brands; TravelBank funds have use-by rules; not cash. |
| Who Actually Benefits: | United flyers who rent cars at least once a year. |
| Practical Value: | Real $100 if you rent anyway. |
$0
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Your Value:
$0
TSA PreCheck / Global Entry Credit
| What It Is: | Up to $100 credit for TSA PreCheck or Global Entry, once every 4 years. |
| How It Works: | Pay the application fee with your card, and the charge gets wiped automatically. |
| Gotchas: | One credit per 4 years, so if you already have it, you'll need to gift it to a friend or family member. Doesn't stack with other cards offering the same perk. |
| Who Actually Benefits: | Anyone without TSA PreCheck/Global Entry yet. Frequent travelers especially. |
| Practical Value: | Solid $100 saved every 4 years |
$0
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Your Value:
$0
Instacart Credits
| What It Is: | Two $10 Instacart credits monthly (up to $20/month), totaling $240 per calendar year. |
| How It Works: | Enroll; use the card on Instacart orders; receive two $10 credits each month automatically. |
| Gotchas: | Must use Instacart monthly to get full value; service fees/tips not covered; monthly credits don't roll over. |
| Who Actually Benefits: | Households already using Instacart. |
| Practical Value: | Great $20/month if you use Instacart regularly; $0 if you don't shop there monthly. |
$0
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Your Value:
$0
JSX Credit
| What It Is: | Up to $200 back as statement credits each anniversary year when booking flights directly with JSX (a crowd-free hop-on jet service offering private jet perks without private jet prices). |
| How It Works: | Book flights directly with JSX using your United Club card; statement credits post automatically up to $200 per anniversary year. |
| Gotchas: | JSX only serves select routes (mostly West Coast and Texas); must book directly with JSX; credits reset each anniversary year. |
| Who Actually Benefits: | Travelers who fly JSX routes and want private jet-style service without the private jet price. |
| Practical Value: | Solid $200 value if you fly JSX routes; completely useless if you don't (JSX serves limited markets). |
$0
Include:
Your Value:
$0
Annual Fee:
$695
Your Credits:
$0
YOUR Annual Fee:
$695
This is effectively what you are paying for this card. It is now up to you if the perks, protections, and earning rates are worth this fee to you over other cards.
Perks
- Earning Rate – 5x United purchases (11x total on eligible United flights with the 6x MileagePlus base) • 5x prepaid stays through Renowned Hotels and Resorts • 2x travel • 2x dining • 1x everything else
- Premier qualifying points via spend – Earn 1 PQP per $15 spent, up to 28,000 PQP per year, plus 1,500 "Card Bonus" PQP automatically each year. The fastest way to buy your way toward Premier status.
- United Club Membership – Full membership with entry for you plus 1 adult guest and your dependent children under 18; unlock All Access membership (more locations and up to 2 adult guests) with Premier Gold status or $50,000 calendar-year spend on this card. Useful if a Club sits in your regular airports.
- Star Alliance Partner Lounges – Use participating Star Alliance-member lounges when flying same-day on Star Alliance. Handy on international trips when a United Club isn't nearby. Guest rules vary by lounge.
- Two Free Checked Bags – First and second checked bags free for you and one companion on the same reservation; United pegs this at up to about $440 on a round trip for two. Terms apply.
- Premier Access – Priority check-in, security lane (where available), and boarding; saves time on busy days.
- Award Discounts – Save 10% in miles on eligible United and United Express award flights (15% with Premier status); plus a 10,000-mile award discount for each $20,000 in calendar-year purchases, up to two per year. Good if you book awards often.
- 25% Back In-Flight & Club Premium Drinks – Rebate on eligible United in-flight purchases and United Club premium drinks. Small but automatic.
- Hotel & Car Status – IHG One Rewards Platinum Elite and Avis President's Club; can mean upgrades and better cars at the counter.
- No Foreign Transaction Fees – Use abroad without extra surcharges.
- MileagePlus Perks – Mileage accelerator options and PQP earnings when you book United-operated flights with your MileagePlus number.
- JSX Partnership – Access to JSX, a crowd-free hop-on jet service offering private jet-style amenities (no TSA lines, comfortable seating, free snacks/drinks) at commercial airline prices. Serves select routes primarily on the West Coast and Texas.
Protections
- Trip Cancellation/Interruption – Up to $10,000 per covered traveler and $20,000 per trip (max $40,000 per 12-month period per account) for covered reasons. Helps if plans get blown up.
- Trip Delay – If delayed 12+ hours or overnight, up to $500 per covered traveler per trip for hotels/meals/essentials.
- Baggage Delay – After a 6-hour delay, $100/day up to 3 days for essentials.
- Lost Luggage – Reimbursement for checked or carry-on baggage lost/damaged by a carrier (limits apply).
- Auto Rental Collision (Primary) – Primary coverage for theft/damage when you decline the rental agency's CDW and pay with the card.
- Purchase Protection & Extended Warranty – Protection for new purchases (limits/timeframes apply) and 1 extra year on eligible manufacturer warranties of 3 years or less.
United Lounges
A big perk of United Club℠ Infinite (Chase) is lounge access — a built-in United Club membership. If a Club lives at your home airport, it's a real quality-of-life upgrade: decent food, working seats with outlets, showers at hubs, and usually calmer than the gate. United has been opening larger Clubs (Denver) and adding Club Fly grab-and-go concepts (Houston), so check locations and hours in the app before you bank on one.
Guest Access
- United Club (membership included with this card) — Primary cardholders receive United Club Card membership (digital card in the United app). Admits you + 1 adult guest, plus your dependent children under 18 per visit. A same-day boarding pass is required; access and rules follow United's Club policies and capacity controls. Note: this base membership does not include Star Alliance partner lounges.
- United Club All Access (earnable upgrade) — Earn All Access after $50,000 in calendar-year card spend or by holding Premier Gold (or higher). All Access adds Star Alliance partner lounge access when flying same-day on a Star Alliance airline and increases guesting to 2 adults (or 1 adult + dependent children under 18). Valid for the rest of that year and the following program year.
- United Polaris Lounges (not included with membership) — These are a different product with stricter rules; membership from this card does not grant entry. Access is limited to eligible long-haul international business-class customers (and select partners) on the same day.
United Club (U.S. & select international)
- Denver (DEN) — Concourse B West near B32 (new, very large); B East near B44; plus Club Fly near B60 for grab-and-go. Train links A/B/C airside.
- Chicago–O'Hare (ORD) — T1 near B6, B18, C10; additional Club in T2/F9; Polaris by C18 (separate rules). Pedestrian tunnel links B↔C airside.
- Newark (EWR) — Terminal C near C74, C93, C123. Use AirTrain to move between terminals landside.
- Houston Intercontinental (IAH) — Terminal C (North & South) and Terminal E; Terminal B United Club closed Jan 2025 for Terminal B redevelopment; Club Fly debuted in B. Skylink connects terminals airside.
- Washington–Dulles (IAD) — Clubs near C7, C17, and D8; Polaris near C17 (separate rules). Mobile lounge/train connects concourses airside.
- Los Angeles (LAX) — Main Club in Terminal 7 (United concourse); walkway to Terminal B (TBIT) airside.
- San Francisco (SFO) — T3/E near E4, T3/F rotunda near F11, International G between G6–G9; new T2 Club planned. Terminals 3 and G connect airside.
- Boston (BOS) — Terminal B near United gates; terminals connect landside; limited airside connectors.
- Orlando (MCO) — Concourse B near B43.
- Philadelphia (PHL) — Level 2 between Concourses C–D.
- Phoenix (PHX) — Terminal 3, near E3.
- More cities — United lists 45+ Clubs systemwide and updates hours/closures frequently; check the live list before you rely on a specific location.
Heads-up: The membership from this card starts at the Card membership level (you + 1 adult guest + dependent kids; no Star Alliance access). If you want partner lounge access and 2 adult guests, you'll need to earn All Access via $50,000 annual spend or Premier Gold (or higher). Polaris lounges remain off-limits unless your ticket qualifies.