United Club Infinite Credit Card

United Club Infinite Credit Card
Info about United Club Infinite Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards209Reviews4Q&AContactAccepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$525
Rewards
Earn 100,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening.
United Club membership – up to a $650 value per year.
Earn 4 miles per $1 spent on purchases from United, including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
Earn 2 miles per $1 spent on all other travel, dining and eligible delivery services purchases. Earn 1 mile per $1 spent 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 Card.
Earn 500 PQP for every $12,000 you spend on purchases, up to 4,000 PQP in a calendar year.
Free first and second checked bags for primary cardmember and one companion – a savings of up to $320 per round trip.
Up to $100 as a statement credit for Global Entry, TSA PreCheck™ or NEXUS every 4 years as reimbursement for the application fee.
Receive Premier Access and Premier upgrades on award tickets. Terms and conditions apply.
The primary Cardmember is eligible for Platinum Elite status in IHG Rewards. Plus receive up to $75 in statement credits as reimbursement for IHG® Hotels and Resorts purchases charged to your card.
APR on Purchases
18.74% - 25.74% (V)
Balance Transfer
APR: 18.74% - 25.74% (V)
Balance Transfer Fee
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United Club Infinite Credit Card Pros & Cons
High rewards rate
100,000 miles initial rewards bonus
No foreign fee
Reports to the three major credit bureaus
High membership fees
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit
United Club Infinite Credit Card's Additional Info
cash advance fee | 5% (min $10) |
cash advance APR | 27.24% (V) |
foreign transaction fee | 0% |
smart chip | Yes, chip-and-PIN |
max late fee | $40 |
max overlimit fee | $0 |
max penalty APR | 29.99% (V) |
grace period | 21 days |
If you already have a United Club membership, you will be reimbursed for the unused portion of your membership once you're approved for the card.
The Luxury Hotel & Resort Collection.
United Card Events from Chase and United MileagePlus Events.
United Club Infinite Credit Card Q&A
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How does the United MileagePlus Infinite companion pass work?
How can I check the miles balance on my United MileagePlus Club card?
You can check your United MileagePlus Club miles balance from your account at https://chaseonline.chase.com/ or from the Chase mobile app.
What credit score do you need for a United Club Infinite card?
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United Club Infinite Credit Card Reviews
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I get triple miles when I purchase tickets with this card on united flights.In addition to that I get double miles on gas, home groceries and dining purchases, and one mile per dollar if I use it at any stores including superstores like walmart , target etc.I also get 5,000 bonus miles each year on enrollment date anniversary. And there's no limit on how many miles you can earn.
Overall, I think this is a best choice I have made.
As far as Southwest goes, I like my assigned seats and last time I checked, they do not have such a thing as a club lounge in their system.
Just my.02
(Also, Margie made some statements that weren't necessarily true, so I wanted to correct that).
So. Let's play the devil's advocate. When does this card makes sense to you?
If you are a frequent United Flyer, then this card might be a life saver. why?
Let's start with lounge access. Despite what Margie wrote down, suggesting that frequent flyer automatically gets lounge access, this isn't true with US legacy airlines for domestic travel. Yes, if you buy an expensive international ticket, then lounge is included, but for domestic ones, even if you fly "first class" u don't get lounge. You will have to buy lounge access( annual fee of $495), so if you fly domestic a lot on United, and u want the access to lounge service, this card can be great. What makes this card more beneficial is that Amex platinum no longer offers access to United/Continental Lounge via Priority Pass. So if you want a free access to United Lounge, this is the only way to get it.
- Furthermore, you can have one companion go in with you, so its like getting 2 people's worth the money.
Second: Close Fee Award Waiver. If you fly United a lot, you are most likely going to rack up some United Miles. You want to use them of course, but unless you book 3 weeks out, they will slap you with $75 charge. It would be great if we can plan out our trips in advance, but we can't time to time. This card waives it.
Third: Priority Boarding.
why is this important? Although Margie can't believe people woud want to board sooner, she can't be farther away from the truth (I know u don't fly much Margie, don't worry). With bag fees these days, people are trying to cram as much as they can on carry-ons. This means that it's really a hassle to find a spot to put your backpack or small carry-ones, if you board late. There just isn't enough space for everyone's. Those who board first, will have ample access to them, and this card gives that.
Fourth: Perks you don't think you need but are very useful because you have them.
- Hyatt Platinum gives you late check-out, free internet, and so forth. You will use it, and u will go wow!
- Rental Car Top Tier: Again, little things makes big difference.
- Primary Collision waiver for rental cars: If you are interested in renting a car oversea, this card can provide you free insurance (as long as u rent the car with this card).
So considering all these, is it worth $395? Make that choice yourself.
HOWEVER.... There is a way to reduce the cost of this card down to $195. If you use amex plat's $200 airline pay-back program, then this card only costs $195. Furthermore, there are codes floating around, that gives this card first yr free, so do consider that as well.
Pros
- Initial bonus: Getting a $95 statement credit after your first purchase is nice; only $300 to go before we break even with the United MileagePlus Club Card!
- Checked Bags: Getting to check your first and second bags for free is nice, but doesn’t Southwest already offer that standard?
- Hotel Benefits: Getting complimentary room upgrades, free breakfast and stuff is awesome, but I’d love for Chase to be a bit more specific about exactly what you get.
Cons
- Club Access: Club access is great, don’t get me wrong. My problem with it though is that if you travel frewuently enough to need it, you’ll probably get it for free anyway. Also I’ve seen a bunch of cards with reasonable annual fees offer it.
- Priority Borading: I don’t see why people want to sit on a plane for longer.
- Ongoing rewards: The United Plus Club Card gives you 1.5 miles across all purchases and 2 miles on United purchases, hardly deserving of a $400 annual fee.
It was going to take a lot for me to think the United MileagePLus Club Card’s annual fee was worth it, and the card’s terms really didn’t show me that much. I know I’m not going to get it as a result and don’t recommend you doing so either.
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