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Chase · credit
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Is the United Club Infinite worth keeping when the fee hits?
Welcome offer — 80,000 bonus miles after $5,000 spend in 3 months (offer varies) Inferred by source
Portal caveat — Chase Travel averages ~5.94% above booking direct; portal redemptions are worth less than the headline rate.
Apply on Chase's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs excellent credit (740+) — guideline, not a guarantee · Set your credit profile
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What this card delivers across six value dimensions (0–100, normalized).
| 4× | United purchases Inferred by source |
|---|---|
| 2× | Dining & all other travel Inferred by source |
| 1× | Everything else Inferred by source |
| Global Entry / TSA PreCheck | $120/yr · one-time Inferred by sourceWhat is Global Entry / TSA PreCheck?Global Entry speeds up US customs and immigration when you arrive from abroad, and includes TSA PreCheck. TSA PreCheck alone is the expedited domestic security lane. This reimburses the government application fee, which you only pay every few years. On this card: Up to $120 every 4 years Inferred by source |
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| United Club | 19 lounges· Cardholder + eligible guestsInferred by source
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| Free first & second checked bags | For you and a companion on United flights Inferred by source |
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| Premier status boost | Premier qualifying points toward United elite status Inferred by source |
| Trip cancellation | Up to $10,000/person, $20,000/trip Inferred by source |
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| Rental car CDW | Primary CDW coverage Inferred by source |
| Baggage | Up to $3,000 per passenger Inferred by source |
Using United Club Infinite at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | Either $10 or 5% of each transaction, whichever is greater Inferred by source |
|---|---|
| Cash advance APR | 29.99% variable Inferred by source |
| Foreign ATM | Cash advance with no foreign transaction fee — but the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The United Club℠ Infinite Card has a $695 annual fee.
Using its non-spend-gated credits fully, the United Club℠ Infinite Card returns about $120 in value against its $695 annual fee — a net of −$575 per year. It only makes sense if you value its perks beyond the listed credits.
The United Club℠ Infinite Card earns 4x on united purchases, 2x on dining & all other travel, 1x on everything else.
Yes. The United Club℠ Infinite Card grants access to United Club.
No — the United Club℠ Infinite Card has no foreign transaction fee, so it's a good card to use abroad.
80,000 bonus miles after $5,000 spend in 3 months (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.