The United Club Infinite is the premium choice for frequent United flyers, pairing United Club membership with 5 miles per dollar on United purchases and on hotels prepaid through Renowned Hotels and Resorts. Free first and second checked bags, Premier Access, and 1,500 Premier qualifying points each year plus 1 PQP per $15 spent (up to 28,000) round out the core travel value. New cardholders can earn 80,000 miles after spending $5,000 in the first 3 months, plus 10,000 more for adding an authorized user. The real tradeoff is the $695 annual fee, and while credits for Instacart, JSX, Renowned Hotels, rideshare, and Avis or Budget look large in total, each is locked to a specific merchant or booking path. Outside United, earning drops to 2 miles on dining and travel and 1 mile elsewhere, so this card only makes sense if lounge access and United status progress are worth real money to you.
Earn rates & credits
| Category | Rate |
|---|---|
Airlines United purchases | 5x |
Hotels (via Portal) Hotels prepaid through Renowned Hotels and Resorts for United Cardmembers | 5x |
Dining | 2x |
Travel | 2x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Global Entry / TSA PreCheck Credit Up to $120 statement credit for Global Entry, TSA PreCheck, or NEXUS application fees | $120 every 4 yr |
Award Booking Discount Save 10% or more on the miles needed when booking United award flights with miles; Premier members save even more | 10% |
Renowned Hotels Credit Up to $200 each anniversary year on prepaid Renowned Hotels and Resorts for United Cardmembers bookings | $200 /yr |
Rideshare Credit Up to $12 monthly from January through November and $18 in December after annual opt-in | $12 /mo |
Avis / Budget TravelBank Credit Up to $100 each anniversary year in United TravelBank cash on Avis or Budget bookings through cars.united.com | $100 /yr |
Instacart Credit Two $10 Instacart credits each month through 12/31/27 | $20 /mo |
JSX Credit Up to $200 each anniversary year on flights purchased directly with JSX | $200 /yr |
Mile Flight Savings Save 10% or more when booking flights with miles | 10% |
| Total annual credits | $920 |
Card details
Regular APR | 19.74%–28.24% variable |
Foreign transaction fee | None |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
United Club InfiniteBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.