United Club℠ Infinite Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The United Club℠ Infinite Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubHigh rewards rate80,000 miles initial rewards bonusNo foreign feeHigh membership feesNo intro APR on purchasesNo intro APR on balance transfersRequires excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Airline Rewards." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
fees
2.5
rewards
7.4
cost
5.9
User Reviews
8.0
Other Features
0.0
Earn 80,000 bonus miles
after you spend $5,000 on purchases in the first 3 months from account opening.
The United Club℠ Infinite Card is a good credit card for high-spending frequent travelers with excellent credit. In return for a whopping $525 annual fee, cardholders can enjoy a large initial bonus, 4 miles / $1 spent with United, and perks such as free checked bags, in-flight discounts, and airport... show more
View 209 User Reviews
United Club Infinite Card's Additional Info
cash advance fee
Either $10 or 5% of the amount of each transaction, whichever is greater.
Can't find what you are looking for? Submit your question about United Club℠ Infinite Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
The credit score you need for a United Club Infinite Card is 750 or better. That means people with excellent credit have a shot at getting approved for the United Club Infinite Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the United Club Infinite Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries,...
The United MileagePlus Infinite doesn't offer a companion pass.
It does, however, offer free first and second checked bags for its primary cardmember and one companion.
This works when tickets for flights operated by United or United Express are purchased with the United MileagePlus Infinite credit card. The name of the primary cardholder and its companion should be on the same reservation, as well as the MileagePlus account number.
The United Club Infinite Card minimum payment is $40 or 1% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $40, the United Club Infinite Card minimum payment will be equal to the balance. In addition, if you recently missed a payment, Chase may add a late fee to your minimum payment.
The minimum payment is the smallest amount you're obligated to pay by the due date for...
To get a United Club Infinite Card PIN, call the number on the back of the United Club Infinite Card and ask customer service for a PIN. You will likely need to wait for the PIN to arrive via email, text, or mail.
Best Way to Get a United Club Infinite Card PIN
Call Chase customer service at 1-800-297-4970 or call the number on the back of your United Club Infinite Card.
Inform the representative that you want a credit card PIN.
You can request a United Club℠ Infinite Card credit limit increase by calling customer service at 1-800-432-3117. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Chase has on file. Chase will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
Yes, the United Club℠ Infinite Card builds credit, since Chase reports your account information to all three major credit bureaus each month. Making on-time payments and keeping your balance low will improve your score. On the other hand, missing payments and maxing out your limit can hurt your credit.
How to Build Credit with a United Club Infinite Card
Keep your credit utilization low. It's good to keep your balance below 30% of your credit limit both on each individual card and...
Share your insights and review for the United Club℠ Infinite Card
5
31%
4
53%
3
11%
2
2%
1
3%
4.0
209 reviews
209 reviews
What's Your Rating?
Review sort
kjk35 @kjk35
Report Abuse
1 Star Rating
Scammed. Received an offer to have the annual fee waived for the club card. Thought that is what I signed up for on their website, but when the card arrived the materials did not reflect the waiver. I contacted Chase & they said the offer was not available on my card, even after I sent them a copy of the offer! Their customer service team is horrible. Must be all the former customer staff from the cable company.
show more
show less
Comment
0
0
Tyler Reed @20tyler20
Report Abuse
1 Star Rating
Verified Customer
Signed up to receive 50,000 bonus miles and after I meet the 3,000$ requirement I contacted them after my last billing cycle and was told that I don't have the offer what a scam. Also you only gain access to select United lounges not all.
show more
show less
Comment
1
0
wprothe4 @wprothe4
The same thing happened to me! How is this even possible? They advertise for this sign up bonus but then claim I didn’t check the correct box to receive the promotion?
show more
show less
Comment
0
0
Bryan Tobias @btobias1908
Report Abuse
1 Star Rating
Signed up for the 50,000 bonus miles, and thought having club access, and free checked bags would be nice also. After meeting all required spend limits, was told the offer i signed up for did not include bonus miles. If you go to Chase or United websites, every offer includes bonus miles. In the United Club, the card is advertised everywhere with bonus miles, yet somehow I managed to not qualify.
show more
show less
Comment
2
0
Carrol Kotey @carrolk
Report Abuse
5 Star Rating
I am a frequent United traveller and has been using this credit card for the last 8 years.I think its a best air travel reward card.It is very easy to accrue rewards on this card.
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.
show more
show less
Comment
0
2
David Austin @davida_85
Report Abuse
3 Star Rating
Margie is obviously not a frequent United traveler. The real benefit of this card is hidden in the club access and free checked bags. For a traveler with no elite status, 1st bag is $25, second is $35 each way. Even at Premier silver, 2nd bag is $35. Club access is $475 by itself, $450 if you are a silver Premier. Club access is not limited to United clubs- you get access to Star Alliance clubs as well- ie: US Airways, Lufthansa, etc.
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
show more
show less
Comment
1
1
Won Lee @won.b.lee.7
Report Abuse
4 Star Rating
Margie pointed out some excellent stuffs, especially the cost. But of course, I am here to present the other side to the story. As always, consider your situation whenever you apply for a credit card, and make a decision based on the situation that suites you best. (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.
show more
show less
Comment
2
1
Margie Cole @margie.cole.52
Report Abuse
2 Star Rating
WOW! Did everyone catch this card’s annual fee? $395! What does it print money or something? Is it magic? There has to be something unique about the United MileagePlus Club Credit Card for Chase and United to feel it deserving of such a high price tag, so I made a little pro and con list to see if I could get to the bottom of things.
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.
show more
show less
Comment
1
2
+ 202 users submitted a rating without writing a full review
Review United Club℠ Infinite Card Reviews
WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
