Like its business sibling, the Club Infinite is really a lounge membership with a credit card attached: United Club access for the primary cardholder plus first and second checked bags free, Premier Access, and a $120 Global Entry, TSA PreCheck, or NEXUS credit every four years. Earning is the strongest of the personal United lineup at 5 miles per dollar on United purchases, 5 on hotels prepaid through the Renowned Hotels program, and 2 on dining and other travel, though everything else sits at 1. Chase cut the signup bonus from 100,000 to 80,000 miles in May 2026, so the current 80,000 after $5,000 in three months is a weaker entry point than it was, and the $695 annual fee is charged in full whether or not you visit a lounge. The supporting credits for Renowned Hotels, rideshare, Avis and Budget, Instacart, and JSX are real money but arrive in small enrollment-gated pieces, and the Instacart benefit expires after December 31, 2027. It ranks twelfth on our Best Airline Credit Cards list, which is about right for a card whose value hinges almost entirely on how often you are actually in a United Club.
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.