United Club Infinite Card Review: Lounge Access & 100K Miles

United Club Infinite Card Review: Lounge Access & 100K Miles

United Club℠ Infinite Card Earn 100,000 bonus miles | $525
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United Club℠ Infinite Card Earn 100,000 bonus miles | $525
Earn 4x miles on United purchases
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United Airlines and Chase issue several co-branded credit cards, and in this post wanted to take a closer look at the United Club℠ Infinite Card, which is the most premium personal card issued with this partnership.

United Club Infinite Card Basics For November 2021

The United Club Infinite Card provides lounge access, some incredible perks, and a huge welcome bonus. If you’re a United frequent flyer and value lounge access, this is the card for you. There has also never been a better time to pick up the card, given the limited time welcome bonus. Let’s get into the details of the card.

United Club Infinite Card Offers 100,000 Miles

Through January 26, 2022, the United Club Infinite Card is offering a welcome bonus of 100,000 MileagePlus bonus miles after spending $5,000 within the first three months. I value United miles at 1.4 cents, so I value this bonus at $1,400. That’s a huge bonus, and one of the all around best bonuses available right now.

Redeem MileagePlus miles on Star Alliance partner airlines

Who Is Eligible For The United Club Infinite Card?

The sign-up 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 the 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. 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 in light of the new perks that were recently added to the card.

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 ways 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 that 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. As of January 1, 2022, you can earn 500 Premier Qualifying Points (PQPs) for every $12,000 spent on purchases. You can earn 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

Starting in 2022, the United Club Infinite Card will offer 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.

On top of that, you’ll be able to receive up to $75 in statement credits at IHG properties when charged to your card in 2022. There’s no minimum spending to unlock this, so that’s like $75 worth of “free” spending at IHG properties.

Sign-Up For CLEAR, Receive 10,000 Bonus Miles

Those with the United Club Infinite Card can receive 10,000 bonus MileagePlus miles if they sign-up for CLEAR by June 30, 2022, using their card. For those not familiar with CLEAR, it helps expedite the process of clearing security at select airports.

If you’re a MileagePlus member, CLEAR should cost you $119 to sign-up for, and then I’d say that the 10,000 miles are worth at least that much. That’s pretty awesome. For those with a lot of credit cards, the catch is that The Platinum Card® from American Express (reviewoffers an annual CLEAR credit of up to $179, so this might not be all that useful for everyone.

Get a great deal on a CLEAR membership

Global Entry Or TSA Pre-Check Credit

The United Club Infinite Card offers a Global Entry or TSA Pre-Check credit every four years. Simply charge the $85-100 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 Pre-Check or Global Entry credit

Complimentary DoorDash DashPass

The United Club Infinite Card offers a year of complimentary DoorDash DashPass. This gets you unlimited delivery from all kinds of restaurants with $0 delivery fees and lower service fees on orders of $12 or more.

You have to activate your subscription by March 31, 2022, and it’s then valid for 12 months. After that period, you’ll be automatically enrolled in DashPass at the current monthly rate, though you can always cancel.

Receive a complimentary DoorDash DashPass

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, 10,000 bonus miles for joining CLEAR, 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, 10,000 bonus miles for joining CLEAR, and more

I think the math on signing up for the United Club Infinite Card really checks out, in particular with the massive welcome bonus being offered right now. 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 is offering a welcome bonus of 80,000 MileagePlus miles after spending $5,000 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.

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 a step further, and argue that this is one of the most well-rounded mid-range airline credit cards out there. The card has a $95 annual fee (waived the first year), and offers the following perks:

  • Through January 26, 2022, the card is offering a welcome bonus of 60,000 MileagePlus miles after spending $3,000 within the first three months
  • 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

I’d say 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, then you should absolutely 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 all kinds of 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’ve been considering this card, there has never been a better time to pick it up, given the card’s current limited time welcome bonus of 100,000 miles. You can always give this card a try now, and if you decide it’s not right for you, you should be able to downgrade it to another card after a year.

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

Apply Now

Conversations (12)
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  1. 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.

  2. 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?

  3. 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.

  4. 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.

  5. 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.

Wills Guest

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

1
JK Guest

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

1
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.

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