The Club Infinite is built around United Club membership for the primary cardholder and eligible travel companions, which is the main reason to accept its $695 annual fee. It also earns 5 miles per dollar on United purchases and prepaid Renowned Hotels stays, 2 on dining and travel, and 1 on everything else, along with free first and second checked bags and Premier Access priority services. The welcome offer is 80,000 miles after $5,000 in spend in the first 3 months, plus 10,000 more for adding an authorized user. Credits for Renowned Hotels ($200), JSX ($200), Instacart (up to $240), rideshare ($150), and Avis or Budget ($100) can chip away at the fee, but they are tied to specific merchants and bookings. It ranks on our Best Airline Credit Cards list, and it pays off for frequent United flyers who will use the lounges regularly; occasional travelers will get more from a cheaper United card.
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.