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As a United airlines flyer, you can enjoy earning rewards when booking your next travel with them using the new United ClubSM Infinite Card.
This card lets travelers earn 4X miles per dollar spent on any United purchases and 2X miles per dollar spent on restaurant dining and other travel purchases! In addition, you can earn one mile for every other purchases made.
For those who frequently fly, especially on United Airlines, this is a great travel rewards card since you earn airline related perks as well as travel protection! Continue reading below to see if this card suits your traveling needs!
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
Table of Contents
United ClubSM Infinite Card Summary
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| Bonus Available | N/A |
| *Bonus Value | N/A |
| Travel Credit | No travel credit, but you get:
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| Ongoing Rewards/Benefits | 4X miles per dollar spent United purchases
2X miles per dollar spent on dining at restaurants and all other travel purchases 1X mile per dollar spend on all other purchases 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card |
| Foreign Transaction Fees | None |
| Airport Lounge Access | Enjoy access to United Club locations and participating Star Alliance™ affiliated lounges worldwide |
| Annual Fee | $0 intro annual fee, then $525 |
Recommended Free Credit Score (Get Free Score)
740 – 850 (Excellent)
* The Southwest Rapid Rewards Performance Business Credit Card is issued by Chase. They also offer great sign-up bonuses. You can also compare this card with other credit card bonuses!
* Bonus value is an estimated value calculated by BankCheckingSavings and not the card issuer.
View our latest valuations here.
PROS
- High welcome bonus
- No foreign transaction fees
- Premier Access’ travel services
CONS
- Annual fee
- Good-Excellent credit needed to qualify
Editor’s Alternate Pick
 The Chase Sapphire Reserve® offers 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. You'll earn 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. When redeeming your points for travel through Chase Ultimate Rewards, you'll get 50% more value. This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre✓®. |
United Club Infinite Card Offer
If you need help on meeting the spending requirements, here are some ideas on meeting the spending requirements:
| • Plastiq: Plastiq allows you to pay for expenses that you generally won’t be able to with your card like rent, tuition, auto lease, mortgage payment, and more. There’s a 2.5% processing fee for using your credit card. However, this’ll be worth the card bonus you’ll get. There’s also a referral program where you can earn “Fee-Free Dollars” to use towards processing fees. See our Plastiq review. |
| • Fund Checking accounts with your card: Many banks will allow you to fund the opening deposit with a credit card. Consider opening Checking accounts that also offer a sign-up bonus. This way, you can work towards bonuses from two different sources. Big banks like Chase, HSBC, Huntington, and TD Bank have great offers and allow credit card funding. You can generally fund anywhere from $50 to $1,000 towards the opening deposit with a credit card, depending on the bank. |
| • Buy gift cards: Consider buying gift cards with your credit card that you can then spend later at your leisure. Individual merchant cards (restaurants, gas stations, supermarkets, etc.) generally don’t have purchase fees, so this is a plus. On the other hand, American Express and Visa gift cards will have purchase fees. Amazon gift cards are a great idea as you can shop for almost anything there with no purchase fees either. Unfortunately, Citi credit cards tend to code gift card purchases as Cash Advances and there’ll be a fee. Call in to customer service and lower your Cash Advance limit to $0 before purchasing gift cards. You can also buy discounted gift cards as well from Raise or find gift cards on eBay. |
| • Everyday spending & bills: Always using your credit card for everyday spending, such as for dining, gas, groceries, etc. You can also use your credit card to pay for things like insurance bills, property taxes and income taxes. However, you’ll have to consider the convenience fees. |
Earning & Redeeming Miles
With the United ClubSM Infinite credit card, you can earn mile son purchases of products and services, not including returns or refunds. So any products and services made using this card will count as a purchase. However, balance transfers, cash advances and other cash-like transactions won’t earn miles.
You will be earning with every purchase made with the card! Earn one mile per dollar spent on all other purchases. In addition, earn 4X miles per dollar spent on purchases from United as well as 2X miles per dollar spend on dining at restaurants and towards other travel purchases.
United Club Infinite Card Benefits
- Free Checked Bags – As a primary Cardmember and one traveling companion on the same reservation are each eligible to receive their first and second standard checked bags free.
- Hertz Gold Plus Rewards President’s Circle –As the primary cardholder you are invited to enroll in the Hertz Gold Plus Rewards program’s exclusive President’s Circle tier and enjoy a 50% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers and more.
- Global Entry or TSA PreCheck Application Fee – You are entitled to either one $100 statement credit per account OR $85 statement credit per account, every four years in connection with the Global Entry or TSA Precheck program application fee.
- Room Upgrades and Special Amenities – The Luxury Hotel & Resort Collection (LHRC) program benefits and Guest Privileges are available exclusively on select Chase credit cards. To receive the Guest Privileges, reservations must be made through an LHRC Travel Specialist or on LHRCollection.com. Visit LHRCollection.
Travel & Purchase Protection
Please note that the benefits are available when you use your card. However, do note that restrictions, limitations and exclusions apply. But don’t worry, once you open your account, they will send you a full guide to the benefits and an explanation of what each coverage does.
- Trip Cancellation/ Interruption Insurance – If your trip is cancelled or cut short, you may reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid and non-refundable travel expenses; this includes passenger, fares, tours, and hotels.
- Baggage delay insurance – Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.
- Lost luggage reimbursement – If you or a family member’s checked or carry-on luggage is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.
- Trip delay reimbursement – If your trip is delayed for more than 12 hours or requires an overnight stay, you and your family are covered for reimbursed expenses, such as meals lodging, etc.
- Auto rental collision damage waiver – Decline the rental company’s collision insurance and charge the entire rental cost to your card.
- Purchase protection – Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year
- Return protection – You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item and $1,00 per year.
- Extended warranty protection – Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
Unite Club Infinite Top Features
Get 25% back as a statement credit on purchases of food, beverages and Wi-Fi onboard United-operated flight when you pay with your Club Card.
Get access to United Club locations and participating Star Alliance affiliated lounges world wide – up to a $650 value per year
- Free first and second checked bags – save up to $320 per round-trip
- 25% back on United inflight purchases
- Up to $100 Global Entry or TSA PreCheckTM fee credit
- Premier Access® travel services – Receive priority check-in, security screening (where available), boarding and baggage handling
Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more!
Make purchases abroad without worrying about foreign transaction fees with the United Club Infinite Card.
Conclusion
The United Club Infinite card has a generous welcome offer along with travel perks and benefits! Earn up to 4X miles on eligible purchases as well as 25% back in statement credits! However, the only downside is the annual fee, so make sure to take note of that.
For more credit cards, see our latest list of other Chase Bank Promotions or Chase’s latest credit card bonuses! If you’re not interested in Chase bank, you can also checkout other credit card bonuses here on BankCheckingSavings!
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Bankcheckingsavings has partnered with CardRatings for our coverage of credit card products. Bankcheckingsavings and CardRatings may receive a commission from card issuers.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
What’s the Competition?
* Below are some of the top competitors to the United Club Infinite card to consider.
 The Chase Sapphire Preferred Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®! You'll earn 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. And when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value! Furthermore, you'll earn 2X total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services. You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21. This card carries a $95 annual fee. |
 The Capital One VentureOne Rewards Card offers a one-time bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel. You'll earn 1.25X miles on every purchase, every day and pay no annual fee. This card comes with no annual fees and no foreign transaction fees which is a great choice as your go-to travel card! |
 The Wells Fargo Propel American Express® Card offers 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – a $200 cash redemption value. You'll earn 3X points for: • eating out and ordering in • gas stations, rideshares and transit • travel including flights, hotels, homestays and car rentals • on popular streaming services • 1X points on other purchases This card comes with no annual fee. |
 The The Platinum Card® from American Express offers 75,000 Membership Rewards(R) Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership. You'll earn: • 10X points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That's an additional 9 points on top of the 1 point you earn for these purchases. • 5X Membership Rewards(R) Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year. • 5X Membership Rewards(R) Points on prepaid hotels booked on amextravel.com. This card comes with an annual fee of $550 (See Rates & Fees), but you cardholders can enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only. Plus, up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card® & receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. |
 The American Express® Gold Card offers 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. You'll have the opportunity to earn 4X Membership Rewards® points when you dine at restaurants worldwide & at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X); 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. This card has an annual fee of $250 with no foreign transaction fees. Some benefits including earning up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. In addition, a $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline. |
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete BankingSM | $300 Cash | Review |
| Chase Total Checking® | $200 Cash | Review |
| HSBC Premier Checking Member FDIC | $450 Cash | Review |
| HSBC Premier Checking Member FDIC | Up To $600 | Review |
| HSBC Advance Checking Member FDIC | $200 Cash | Review |
| HSBC Advance Checking Member FDIC | Up To $240 | Review |
| Aspiration | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience CheckingSM | $150 Cash | Review |
| Huntington 25 Checking | $500 Cash | Review |
| Huntington Bank Unlimited Plus Business Checking | $750 Cash | Review |
| Huntington Bank Unlimited Business Checking | $400 Cash | Review |
| Huntington Bank Business Checking 100 | $200 Cash | Review |
| Axos Bank Basic Business Checking | $100 Cash | Review |
| Ally Invest | Up to $3,500 Cash | Review |
