Last updated: 8/5/2021

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United Club℠ Infinite Card

Earns: United MileagePlus

GigaTake:

This card makes sense if you really want access to United’s airport lounge network. It has a decent return on Dining and Travel (2x), but the $450 annual fee makes it one of the most expensive cards on the market—without the flexibility of similarly priced cards.

This card is best for:

  • Travel
  • Dining

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Here’s how much you would earn with this card

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You could earn Worth Plus Welcome Bonus Total
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${{totalValueToUser | number}}

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Pros

  • Access to United lounges.
  • Multiple perks on United: free checked bags and inflight discounts.

Cons

  • $525 annual fee.

See how the United Club℠ Infinite Card compares to other credit cards

United Club℠ Infinite Card Other Cards


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1.3 cents per point
Effective Value = 2.6 %

0%
7%

Reward Rate = 2x

Value = 1.3 cents per point
Effective Value = 2.6 %

0%
6%

Reward Rate = 1x

Value = 1.3 cents per point
Effective Value = 1.3 %

0%
3%

Welcome Bonus = 75,000

Value = 1.3 cents per point
Effective Value = $975

$0
$1800

Annual Fee = $525

$0
$995
Welcome Bonus
75,000

Excellent

Bonus Rating

Excellent

In the top 15% of cards.

Points

After you spend $3,000 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2x Dining

Good

good

Good

In the top 50% of cards.

2x Travel

Excellent

excellent

Excellent

In the top 15% of cards.

4x United Airlines

Excellent

excellent

Excellent

In the top 15% of cards.

1x All Other

OK

OK

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Program Name
United MileagePlus
Gigapoints Value
1.3¢ per point
0.4¢ PER POINT
2¢+ PER POINT
Annual Fee
  • $525
Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool Go

Additional perks of owning this card

United Club membership

Enjoy access to United Club locations and participating Star Alliance™ affiliated lounges worldwide.

Free first and second checked bags

Save up to $320 per roundtrip

Premier Access® travel services

Receive priority check-in, security screening (where available), boarding and baggage handling

PreCheck or Global Entry

Up to $100 Global Entry or TSA PreCheck fee credit

Inflight Discounts

25% back on United inflight purchases

The Fine Print

PURCHASES APR 16.49% to 23.49%
BALANCE TRANSFER APR 16.49% to 23.49%
BALANCE TRANSFER FEE Either $5 or 5% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR 26.49%
CASH ADVANCE FEE Either $10 or 5% of the amount of each cash advance, whichever is greater.
FOREIGN TRANSACTION FEE 0%