United Club Infinite Card Review: Lounge Access & More

United Club Infinite Card Review: Lounge Access & More

United Club℠ Infinite Card Earn 80,000 bonus miles | $525
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United Club℠ Infinite Card Earn 80,000 bonus miles | $525
Earn 4x miles on United purchases
United Club℠ Access
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United Airlines and Chase issue several co-branded credit cards, and in this post, I wanted to take a closer look at the United Club℠ Infinite Card, which is the most premium personal card issued with this partnership. This card has an excellent welcome bonus.

United Club Infinite Card Basics For August 2022

The United Club Infinite Card provides lounge access, incredible perks, and a solid welcome bonus. If you’re a United frequent flyer and value lounge access, this is the card for you.

United Club Infinite Card Offers 80,000 Miles

The United Club Infinite Card offers a welcome bonus of 80,000 MileagePlus bonus miles after spending $5,000 within the first three months. I value United miles at 1.3 cents, so I value this bonus at $1,040. This is a great bonus for a card with a reasonable minimum spending requirement.

Redeem MileagePlus miles on Star Alliance partner airlines

Who Is Eligible For The United Club Infinite Card?

The welcome bonus on the United Club Infinite Card isn’t available to those who currently have this exact card, or have received a new cardmember bonus on the card in the past 24 months. However, you are eligible for this card and the bonus if you have (or have had) any other United Airlines credit cards.

There are also general restrictions when applying for Chase cards, including the 5/24 rule.

United Club Infinite Card $525 Annual Fee

The United Club Infinite Card has a $525 annual fee. This annual fee is no doubt on the steep side, though it’s in line with the fees you’ll find on many premium credit cards. The card also offers a variety of perks for frequent flyers that could more than justify the fee.

Earning Miles With The United Club Infinite Card

The United Club Infinite Card offers anywhere from 1-4x MileagePlus miles per dollar spent, as follows:

  • 4x MileagePlus miles for United purchases
  • 2x MileagePlus miles on all other travel purchases
  • 2x MileagePlus miles for dining at restaurants and eligible food delivery services, including Caviar, DoorDash, GrubHub, and Seamless
  • 1x MileagePlus miles for all other eligible purchases

For a co-branded airline credit card, those are some solid bonus categories, and in particular, it’s nice to earn bonus miles on dining purchases. The United Club Infinite Card also has no foreign transaction fees, making it a good option for purchases abroad.

Earn 4x MileagePlus miles for United purchases

United Club Infinite Card Perks

The area where the United Club Infinite Card really shines is when it comes to perks. The value you get from these perks is what should determine if this card makes sense for you or not. Let’s take a closer look at what perks are offered by the card, especially as the value proposition of the card was improved in late 2021.

Receive A United Club Membership

Arguably the key benefit of the United Club Infinite Card is that it comes with a United Club membership for as long as you have the card. This offers access to United Clubs and participating Star Alliance affiliated lounges.

Getting the United Club Infinite Card is arguably the best way to get United Club access, especially when you consider that outright buying a membership would ordinarily cost $550-650 per year.

Here you save $25-125 compared to that price, and you get all kinds of other perks with the card.

Receive a United Club membership

First & Second Checked Bag Free

The United Club Infinite Card primary cardmember and one companion traveling on the same reservation receive a free first and second checked bag. In order to be eligible for this, you have to pay for your ticket with your United Airlines credit card.

This is a value of up to $320 per roundtrip ticket (assuming two people are checking two bags roundtrip).

Premier Access Travel Services

Just for having the United Club Infinite Card, the primary cardmember receives Premier Access travel services when flying with United, including the use of Premier Access check-in lines, priority security lanes, priority boarding, and priority baggage handling.

Get priority boarding and other services

25% Savings On United Inflight Purchases

If you have the United Club Infinite Card you receive 25% back in the form of an account statement credit on purchases of food, beverages, and Wi-Fi, onboard United. You have to pay with your United Club Infinite Card Card, and your statement credit should post within 24 hours.

Receive Elite Upgrades On Award Tickets (Also For Companions)

MileagePlus Premier members receive complimentary upgrades in most domestic markets when booking a revenue ticket. If you have the United Club Infinite Card, you can also receive your Premier upgrades when redeeming miles for tickets.

Best of all, it’s not only the cardmember who is eligible for upgrades, but if you have the United Club Infinite Card, you can also upgrade a companion traveling on the same reservation. While some other United Airlines credit cards offer upgrades on award tickets, the companion upgrade feature is exclusively available on this card.

Premier members can receive upgrades on select award tickets

Save 10% On United Economy Saver Awards

If you have the United Club Infinite Card you can save 10% on economy award tickets when traveling on United. This is valid for saver level awards for travel within the United States, or between the United States and Canada. The discount applies to all passengers on the same reservation as the primary cardmember, and the miles must be redeemed through the primary cardmember’s MileagePlus account.

Save 10% on United economy award tickets

Earn Up To 4,000 Premier Qualifying Points Per Year

If you’re looking to earn status with United MileagePlus, the United Club Infinite Card can help. The card offers 500 Premier Qualifying Points (PQPs) for every $12,000 spent on purchases, up to a maximum of 4,000 PQPs in a calendar year.

Spending on the card can help you earn status

Access To More MileagePlus Award Space

If you have the United Club Infinite Card you get access to additional MileagePlus award availability for travel on United. This includes both access to additional saver level award availability, as well as last seat access to United’s standard awards, which are valuable when flights are full.

Receive IHG Rewards Platinum Elite Status & $75 Credit

New as of 2022, the United Club Infinite Card offers Platinum Elite status in the IHG Rewards program. This IHG status offers perks like upgrades, bonus points, late check-out, and much more. While it’s not my favorite hotel status, it does come in handy when staying at IHG properties. Cardmembers can register for this perk here by providing the last four digits of their credit card number, plus their MileagePlus number.

On top of that, cardmembers can receive up to $75 in statement credits at IHG properties when charged to the card. This applies for purchases between January 1 and December 31, 2022, and there’s no minimum required to unlock this. In other words, this is the equivalent of $75 worth of “free” spending at IHG properties.

Get perks at IHG properties with the card

Global Entry Or TSA PreCheck Credit

The United Club Infinite Card offers a Global Entry or TSA PreCheck credit every four years. Simply charge the enrollment fee to your card, and it will automatically be reimbursed.

Nowadays quite a few credit cards offer these fee credits, so you can always use this benefit for a friend or family member. They just have to use your credit card to pay, and you’ll automatically receive the statement credit.

Get a TSA PreCheck or Global Entry credit

Access To The Luxury Hotel & Resort Collection

Having the United Club Infinite Card gets you access to The Luxury Hotel & Resort Collection (LHRC). This offers additional privileges on hotel bookings when using lhrcollection.com.

While this could come in handy, I wouldn’t get too excited about this perk, given that programs like Virtuoso offer similar benefits, and don’t require having a specific credit card.

Receive additional perks at some hotels

Should You Get The United Club Infinite Card?

The United Club Infinite Card offers some phenomenal perks for travel on United, so if that’s something you care about, this card is worth considering:

  • For non-MileagePlus Premier members, having the United Club Infinite Card gets you a first and second checked bag free, Premier Access travel services, United Club access, expanded award availability, inflight savings, discounted economy awards, IHG Rewards Platinum Elite status, a $75 IHG credit, and more
  • For MileagePlus Premier members, having the United Club Infinite Card gets you United Club access, upgrades on award tickets (including for companions), expanded award availability, inflight savings, discounted economy awards, IHG Rewards Platinum Elite status, a $75 IHG credit, and more

The math on getting the United Club Infinite Card checks out. Also keep in mind that if you want to downgrade the card to a lower annual fee card in the future, that should be possible once you’ve had the card for at least 12 months. You might as well pick up the card with the best welcome bonus and richest perks, and then you can decide in the future which card makes the most sense for you.

Redeem the welcome bonus for travel on Lufthansa

How Does The United Quest Card Compare?

The United Quest℠ Card is another popular United Airlines credit card that I think is seriously worth considering. The card has a $250 annual fee, and the perks more than justify that, in my opinion:

  • The card offers a welcome bonus of 70,000 MileagePlus miles after spending $4,000 within the first three months
  • The card offers some unique perks, like a $125 annual United credit, plus up to 10,000 miles reimbursed each year when redeeming miles on United; for many, those two perks alone will more than offset the annual fee
  • The card offers all kinds of other valuable perks on United, like a free first and second checked bag, 25% savings on inflight purchases, elite upgrades on award tickets, and more

If you’re worried about the annual fee on the United Club Infinite Card, the United Quest Card is a great alternative, especially given how easy the annual fee is to recoup. That being said, the bonus isn’t as good.

Read a full review of the United Quest Card.

Receive a $125 annual United credit with the card

How Does The United Explorer Card Compare?

The United℠ Explorer Card is probably United’s most popular co-branded credit card, given the reasonable annual fee and solid perks. I’d take it further and argue that this is one of the most well-rounded mid-range airline credit cards. The card has a $95 annual fee (waived the first year), and offers the following perks:

  • The card offers a welcome bonus of 50,000 MileagePlus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • The card’s perks include two United Club passes annually, a free first checked bag, priority boarding, 25% savings on inflight purchases, elite upgrades on award tickets, and more.

The United Explorer Card has the most mass appeal of any United Airlines credit card, as the card offers most of the basic benefits people will value when flying United, has a great bonus, and the annual fee is even waived for the first year.

The deciding factor between the two cards should partly come down to whether you value a United Club membership or not. If it’s something you would otherwise pay for, you should get the United Club Infinite Card. If it’s not something you would pay for, I think the United Explorer Card is the better option.

Read a full review of the United Explorer Card.

United Club access is the biggest point of differentiation between the cards

Bottom Line

The United Club Infinite Card is United’s most premium personal credit card. While the card has a $525 annual fee, it offers incredible perks, which were even recently further improved. These perks include a United Club membership, a free first and second checked bag, upgrades on award tickets (including for a companion), and much more.

If you want to learn more about the United Club Infinite Card or want to apply, follow this link.

Conversations (27)
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  1. Ameya Guest

    What are the fees for adding an authorized user?

  2. Stephen Sargeant Guest

    The United Club Card is great for the 120,000 mile sing up bonus! BUT, MAYBE I AM NAIVE BUT THOSE WHO GET THIS CARD CAN ONLY USE IT WHEN FLYING UNITED AIRLINES. THIS IS "BURIED" IN THE 3RD PAGE OF UNITED'S STIMULATIONS. I THOUGHT THE HIGH ANNUAL FEE ALLOWED ME TO USE THE UNITED CLUBS ANYTIME REGARDLESS OF WHAT AIRLINE I FLEW. RECENTLY I LEARNED THE HARD WAY WHEN I WAS DENIED ACCESS IN SAN...

    The United Club Card is great for the 120,000 mile sing up bonus! BUT, MAYBE I AM NAIVE BUT THOSE WHO GET THIS CARD CAN ONLY USE IT WHEN FLYING UNITED AIRLINES. THIS IS "BURIED" IN THE 3RD PAGE OF UNITED'S STIMULATIONS. I THOUGHT THE HIGH ANNUAL FEE ALLOWED ME TO USE THE UNITED CLUBS ANYTIME REGARDLESS OF WHAT AIRLINE I FLEW. RECENTLY I LEARNED THE HARD WAY WHEN I WAS DENIED ACCESS IN SAN DIEGO TO A UNITED CLUB WHILE FLYING DELTA. THE $525 WAS DEFINITELY WORTH THE BONUS. I FEEL A LITTLE STUPID BUT HAVE LEARNED THIS LESSON AND PUT 120,000 MILES INTO MY UNITED ACCOUNT WITH A SMILE!!!

    1. Steve Sanchez Guest

      That is pretty standard. It's the same when flying someone else than Delta and using the Amex Platinum card....no admission.

  3. zzz Guest

    As of today (just confirmed with my own card), Chase still allows for offsetting the annual fee with miles at 1.5 cpm (i.e. $525 for 35k miles). With this in mind, the club card at 120k is easily the best united offer available. With 91k+ miles (120k+6k-35k), $75 IHG credit, good travel insurance, many perks, and an offset annual fee, this is a very compelling SUB IMO.

  4. Andrew Diamond

    I love how this card's name is "Infinite" - you think you can do anything. Until you head to the Polaris lounge. Then you find out it isn't Infinite access.

    1. AW Guest

      I don't know about you, but the fact that United restricts access to the Polaris lounges is one of the best things that they do. I'm thankful that they're not overrun with credit card holders.

  5. John Guest

    Hmm - can anyone comment on these bonus terms and conditions? The terms under Lucky's referral say that you are eligible as long as you haven't gotten the bonus on THIS card (Infinite) in the last 24 months. But on the page it also says:

    "This card product is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in...

    Hmm - can anyone comment on these bonus terms and conditions? The terms under Lucky's referral say that you are eligible as long as you haven't gotten the bonus on THIS card (Infinite) in the last 24 months. But on the page it also says:

    "This card product is available to you if you do not have any United Club card and have not received a new Cardmember bonus for any United Club card in the past 24 months."

    I think a lot of us would have the Quest Card and are wondering about this

  6. KC Guest

    Ben would you give up the presidential Plus card for this one?

  7. Yisrael New Member

    I was wondering how to access United lounges when having the United Infinite Card? Do you need to show the credit card or is there some digital way of accessing like you can with Priority Pass?

    1. John Guest

      No. It’s tied to your united mileage plus number. Only your boarding pass is needed. They will send you a united club card also just in case. I believe that comes in handy in the star alliance lounges

  8. tda Guest

    "Just for having the United Club Infinite Card, the primary cardmember receives Premier Access travel services when flying with United..."

    Do companions traveling on the same reservation as the primary cardmember also receive Premier Access? Seems kind of pointless if not.

    1. John Guest

      Yes they all receive premier access if traveling with primary card member

  9. Andrew Guest

    Given how restrictive international travel is currently (and continued ineffictive immigration control policies), I'd give a hefty discount on that 1.4 CPP valuation. By the time these points are likely redeemed for aspirational travel, they will have depreciated. That's United's main thing to help goose their balance sheet.

  10. John Guest

    Lucky, You forgot to mention presidents club status with Avis. Solid perk that has already scored me upgrades

  11. UA-NYC Guest

    Ben - one thing you REALLY need to mention as United buries it in the T&Cs...for those going for higher levels of status on United, the PQPs earned from this (or the Quest) do NOT count if you are going for the Segments + PQP route (which lowers the PQP requirement by ~10% this year, may change in the future). You can ONLY use them for the higher PQP Only qualifying route.

    A bit of a shady practice to an otherwise solid card.

    1. NBT Guest

      This isn't true. You have that fact reversed. I requalified for 1K last year via PQF+PQP where 1,500 of my PQP came from 36k worth of CC spend

  12. Troy Porras Guest

    Hi. I am about 1000 PQP from achieving 1K. If I got this card and spend 24K in December, would I get the PQP applied in the 2021 year? What should I consider in thinking about whether this strategy makes sense?

  13. Rich Guest

    The elite upgrades on award tickets is a bit misleading. Upgrades are hard enough to score, so being added to a list where half the flight is also on the upgrade list isn’t really a benefit.

  14. JK Guest

    Man, screw this card. Have you heard about Venture X from Capital One?

    1. Andrew Guest

      lol best comment of the day.

    2. Wills Guest

      @Jk
      Capital One doesn’t partner with United

    3. Andrew Guest

      Is there something about their dynamic awards that are appealing? That might be a benefit.

  15. Al Guest

    Hi Ben.
    I'm 1K and do not have a club membership.
    I do have United Explorer Card, World of Hyatt Chase Visa and Chase Sapphire Reserve. I also have the Chase United business card.
    I also have the $450 Citicard as I'm EXP and I use that to get into the Admirals Club.
    Lastly, I have the Marriott Bonvoy Amex which I believe is $450 plus their business card.
    I...

    Hi Ben.
    I'm 1K and do not have a club membership.
    I do have United Explorer Card, World of Hyatt Chase Visa and Chase Sapphire Reserve. I also have the Chase United business card.
    I also have the $450 Citicard as I'm EXP and I use that to get into the Admirals Club.
    Lastly, I have the Marriott Bonvoy Amex which I believe is $450 plus their business card.
    I kind of feel like my annual fees are already out of control but this United card sounds good. I frequently have to forgo the United Club on domestic flights as I don't have a membership or access and I get just those 2 passes per year.
    I could apply for the Infinite card but would be interested in canceling one of the other cards to reduce the fees. I hardly use the Explorer card. However, I've told canceling cards can be negative for your credit score.
    Any words of wisdom/advice?
    I really enjoy your blog.
    Thanks!

    1. sacrxy Guest

      Canceling cards could cause a hit on your credit score mostly if the lost credit line increases your balance to over 30% of your total credit. If you carry zero or little balance at the end of each statement cycle, your score shouldn't suffer.

    2. mgrappy Guest

      You should try to upgrade your United Explorer Card to the Infinite Card so that you don't have to cancel anything.

    3. sacrxy New Member

      Product change usually doesn't qualify for the sign up bonus which is sizable in this case.

    4. Wills Guest

      @Al
      Downgrade the Explorer card to the United No annual fee card version

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

UA-NYC Guest

Ben - one thing you REALLY need to mention as United buries it in the T&Cs...for those going for higher levels of status on United, the PQPs earned from this (or the Quest) do NOT count if you are going for the Segments + PQP route (which lowers the PQP requirement by ~10% this year, may change in the future). You can ONLY use them for the higher PQP Only qualifying route. A bit of a shady practice to an otherwise solid card.

1
Wills Guest

@Al Downgrade the Explorer card to the United No annual fee card version

1
Rich Guest

The elite upgrades on award tickets is a bit misleading. Upgrades are hard enough to score, so being added to a list where half the flight is also on the upgrade list isn’t really a benefit.

1
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