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The United ClubSM Infinite Card is a great travel rewards card for those who frequently fly with United Airlines.
This card allows you to earn 4X miles per dollar spent on United purchases as well as 2X miles restaurant dining and other travel purchases. On top of that you earn one mile for every other purchases made on top of the no foreign transaction fees.
So if you’re a loyal United airlines flyer that has good to excellent credit, continue reading below to see how this card will benefit you!
* The United Club Infinite Card is issued by Chase Bank. They also offer great sign-up bonuses for their Checking/Savings accounts. You can also compare this card with other credit card bonuses!
| PROMOTIONAL LINK | OFFER | REVIEW |
| Chase Total Business Checking® | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| You InvestSM by J.P. Morgan | Up To $725 Cash | Review |
Table of Contents
United Club Infinite Card Summary
 The United ClubSM Infinite Card offer entails: With this card, you'll earn: • 4X miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. • 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 Plus, you'll get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card. This card does carry an annual fee of $0 for the first year, then $525. However, you can get up to $100 Global Entry or TSA PrecheckTM Fee Credit. In addition, you'll get a savings of up to $320 per roundtrip by getting your first and second checked bags for free! |
| Bonus Available | N/A |
| Travel Credit | No travel credit, but you get:
|
| Ongoing Rewards/Benefits | 4X miles per dollar spent United purchases
2X miles per dollar spent on dining at restaurants and all other travel purchases 1X mile per dollar spend on all other purchases 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card |
| Foreign Transaction Fees | None |
| Airport Lounge Access | Enjoy access to United Club locations and participating Star Alliance™ affiliated lounges worldwide |
| Annual Fee | $0 intro annual fee, then $525 |
* Bonus value is an estimated value calculated by BankDealGuy and not the card issuer.
View the latest valuations here.
Recommended Free Credit Score
690 – 850 (Good – Excellent)
PROS
- No foreign transaction fees
- Premier Access’ travel services
CONS
- Annual fee
- Good-Excellent credit needed to qualify
Editor’s Alternate Pick
 The Chase Sapphire Reserve® offers 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. You'll earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. When redeeming your points for travel through Chase Ultimate Rewards, you'll get 50% more value. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre✓®. |
United Club Infinite Card Offer
There are many ways to meet the spending requirements, but if you need help acquiring the points here are some ideas on meeting the spending requirements:
• Plastiq - Using Plastiq allows you to pay for your personal expenses such as rent, tuition, mortgage, auto lease etc. Although they charge a 2.5% processing fee for using your credit card, this will contribute to the card bonus that you will receive. There is also a referral program that allows you to earn "Free-Free Dollars" that goes towards processing fees as well. • Funding Checking Accounts - When it comes to funding a checking account, opening your initial deposit with a credit card is the usual way to go about it. However, if you want to have more opportunities, you should open a checking account that offers a sign-up bonus. This allows you to work towards bonuses from not one but two different sources instead. Banks like Chase, Huntington Bank, TD Bank and BBVA offers credit card funding, and for your opening deposit, you can often fund anywhere from $50-$1000 with a credit card, depending on what bank offers it. • Gift Card Purchases With Using a Credit Card - Another way to acquire the bonus is using your credit card to purchase gift cards. Buying a a gift card or an individual merchant card typically do not require a purchase fee and are used towards leisure, so gift cards are ideal. However, gift cards such as a Visa or American Express do incur purchase fees because they can be spent anywhere, but gift cards that are specifically for a certain online shopping site such as Amazon or eBay don't. As for a Citi Credit Card, you should call customer service and ask them to lower your Cash Advance limit to $0 before making any purchases because Citi tends to read gift card purchases as a Cash Advance. Ideally, you should do this with any card just to be safe. Lastly, there is such thing as a discounted gift card which can be purchased on Raise or eBay. If you use a credit card often for everyday purchases, it can build your credit score that will contribute towards paying for things such as bills and taxes. |
Earning & Redeeming Miles
You can earn miles on every purchase of products and services made with United ClubSM InfiniteSM credit card. So if you buy products and services using the card it will count as a purchase, however returns or refunds won’t count.
You can starting earning with every purchases since you can earn one mile per dollar spent on all other purchases. In addition, you can earn 4X miles per dollar spent on purchases from United as well as 2X miles per dollar spent on restaurant dining and on all other travel related purchases.
United Club Infinite Card Benefits
- Free Checked Bags – As a primary Cardmember and one traveling companion on the same reservation are each eligible to receive their first and second standard checked bags free.
- Hertz Gold Plus Rewards President’s Circle –As the primary cardholder you are invited to enroll in the Hertz Gold Plus Rewards program’s exclusive President’s Circle tier and enjoy a 50% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers and more.
- Global Entry or TSA PreCheck Application Fee – You are entitled to either one $100 statement credit per account OR $85 statement credit per account, every four years in connection with the Global Entry or TSA Precheck program application fee.
- Room Upgrades and Special Amenities – The Luxury Hotel & Resort Collection (LHRC) program benefits and Guest Privileges are available exclusively on select Chase credit cards. To receive the Guest Privileges, reservations must be made through an LHRC Travel Specialist or on LHRCollection.com. Visit LHRCollection.
Travel & Purchase Protection
The benefits listed below are available when you use your card. Do note that restrictions, limitations and exclusions apply. Once you open your account, they will send you a full guide to the benefits and an explanation of each coverages.
- Trip Cancellation/ Interruption Insurance – If your trip is cancelled or cut short, you may reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid and non-refundable travel expenses; this includes passenger, fares, tours, and hotels.
- Baggage delay insurance – Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
- Lost luggage reimbursement – If you or a family member’s checked or carry-on luggage is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
- Trip delay reimbursement – If your trip is delayed for more than 12 hours or requires an overnight stay, you and your family are covered for reimbursed expenses, such as meals lodging, etc.
- Auto rental collision damage waiver – Decline the rental company’s collision insurance and charge the entire rental cost to your card.
- Purchase protection – Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year
- Return protection – You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,00 per year.
- Extended warranty protection – Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
United Club Infinite Top Features
Statement CreditUnited Club MembershipTravel BenefitsConcierge ServicesNo Foreign Transactions
Get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card.
Get access to United Club locations and participating Star Alliance affiliated lounges world wide – up to a $650 value per year
- Free first and second checked bags – save up to $320 per round-trip
- 25% back on United inflight purchases
- Up to $100 Global Entry or TSA PreCheckTM fee credit
- Premier Access® travel services – Receive priority check-in, security screening (where available), boarding and baggage handling
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more!
Make purchases abroad without worrying about foreign transaction fees with the United Club Infinite Card.
Author’s Verdict
The United ClubSM Infinite Card is the newest addition to Chase’s airline related card, so if you frequently fly with United airlines consider this once since it has a high welcome bonus along with travel perks and benefits as well as protection!
Earn rewards for each purchases made and earn up to 4X miles on eligible purchases made with the card!
Make sure to also visit BankDealGuy to explore more credit card bonuses. If you’re indecisive of which card best suits you, see our post on the Best Credit Card Categories!
The United ClubSM Infinite Card offer entails: With this card, you'll earn: • 4X miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges. • 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 Plus, you'll get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card. This card does carry an annual fee of $0 for the first year, then $525. However, you can get up to $100 Global Entry or TSA PrecheckTM Fee Credit. In addition, you'll get a savings of up to $320 per roundtrip by getting your first and second checked bags for free! |
Alternative Credit Card Options
* Below are some of the top competitors to the United Club Infinite card to consider.
 The Chase Sapphire Preferred® Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®! You'll earn 2X points on travel and dining at restaurants worldwide; 1 point per dollar spent on all other purchases. And when you redeem your points for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards, you'll get 25% more value! |
 The Capital One® Venture® Rewards Credit Card offers a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening (equal to $500 in travel). Named ‘The Best Travel Card' by CNBC, 2018. You're able to earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels, through January 2020; learn more at hotels.com/venture. This card does come with a $95 annual fee, however, there is a $0 intro annual fee for the first year. Enjoy no foreign transaction fees and receive up to $100 application fee credit for Global Entry or TSA Pre✔®. |
 The Wells Fargo Propel American Express® Card offers 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value. You'll earn 3X points for: • eating out and ordering in • gas stations, rideshares and transit • travel including flights, hotels, homestays and car rentals • on popular streaming services • 1X points on other purchases This card comes with no annual fee. |
 The The Platinum Card® from American Express offers 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. This card comes with an annual fee of $550, but you cardholders can enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Furthermore, you'll receive $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline. Plus, up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card® & receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. In addition, you can earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel & on prepaid hotels booked on amextravel.com. |
 The American Express® Gold Card offers 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months. You'll have the opportunity to earn 4X Membership Rewards® points when you dine at restaurants worldwide & at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X); 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. This card has an annual fee of $250 with no foreign transaction fees. Some benefits including earning up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. In addition, a $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline. |
• Chase Bank Bonuses. Chase usually offers the most sign-up bonuses out of all the big banks. Read up and enjoy several promotions for their Checking, Savings and Business accounts. • HSBC Bank Bonuses. HSBC has some big value offers available for their Checking accounts. Some require hefty deposits to qualify. They also have an online Savings account offering a very competitive rate. • Huntington Bank Bonuses. Huntington has Consumer Checking and Business Checking accounts available throughout the year. • Discover Bank Bonuses. As an online bank, Discover offers high and competitive rates on their Savings, CD, and Money Market accounts. Enjoy excellent customer service nationwide. • TD Bank Bonuses. TD Bank consistently offers great Checking account bonuses all year long. Savings account offers are less frequently available. |
| PROMOTIONAL LINK | OFFER | REVIEW |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Chase Total Business Checking® | $300 Cash | Review |
| Chase Premier Plus CheckingSM | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| Huntington 25 Checking | $500 Cash | Review |
| Huntington 5 Checking | $200 Cash | Review |
| Huntington Asterisk-Free Checking® | $150 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| TD Bank Beyond CheckingSM | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
Editor Rating
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