United Club Infinite
- Annual fee
- $695
- Network
- visa
- Type
- personal
It earns United MileagePlus miles, with its highest earning rate on United purchases and additional miles on eligible travel and dining.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$484 of the advertised value — 36% — comes with strings attached.
- $1,354 advertised across 7 benefits.
- $484 (36%) needs a booking, enrollment, or deadline.
- Biggest credit — Instacart credits, $240 — only via Instacart.
- Free first and second checked bags ($440) posts automatically. No hoops.
- No-hoops value covers 125% of the annual fee.
- You book travel through Instacart.
- You'll actually use Free first and second checked bags.
- 4× on United purchases matches your spend.
- You book direct, not via Instacart.
Welcome offer
Earn 80,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening.
- Est. value
- $1,120
- Minimum spend
- $5,000
- Within
- 3 mo
Earning rates
- All other purchasesAll other purchases that do not fall into the above categories1×milesUnited MileagePlus
- Top earnUnited purchasesPurchases from United, including tickets, inflight food and beverages, Wi-Fi, and other United charges4×milesUnited MileagePlus · United
- TravelOther travel purchases including airfare, hotels, cruises, car rentals, taxicabs, trains, and tolls2×milesUnited MileagePlus
- DiningDining at restaurants, including eligible delivery services2×milesUnited MileagePlus
On-card benefits & credits
- Free first and second checked bags$440/Annual
The primary cardmember and one companion on the same reservation each receive their first and second standard checked bags free on eligible United-operated flights when ticket and MileagePlus requirements are met.
- JSX statement credit$200/Annual
Receive up to $200 in statement credits each anniversary year for flights or other purchases made directly with JSX using the card.
- Renowned Hotels and Resorts credit$200/Annual
Receive up to $200 in statement credits each anniversary year for prepaid hotel accommodations booked directly through Renowned Hotels and Resorts using Pay Now.
- Global Entry, TSA PreCheck or NEXUS credit$120/One-time
Reimburses one Global Entry, TSA PreCheck, or NEXUS application fee up to $120 once every four years when charged directly to the card.
- Renowned Hotels and Resorts property benefits$100/Annual
Eligible Renowned Hotels and Resorts bookings include a $100 property credit, daily breakfast for two, Wi-Fi, and possible room upgrade, early check-in, and late checkout.
- Avis or Budget United travel credit$100/Annual
Earn $50 in United TravelBank cash on each of the first two eligible Avis or Budget rentals booked through cars.united.com, up to $100 each anniversary year. Rentals must be at least two days and meet listed booking-code requirements.
- Instacart credits$20/Monthly
Receive two $10 Instacart credits each month, up to $240 per calendar year, while an activated complimentary Instacart+ membership is active. Credits expire monthly and benefits end December 31, 2027.
- Rideshare statement credit$12/Monthly
After yearly enrollment, receive up to $12 in rideshare statement credits monthly from January through November and up to $18 in December, totaling up to $150 per calendar year.
- United Club membership$0/Annual
Includes unlimited United Club card membership for the primary cardmember, one adult guest, and dependent children under 18; Star Alliance lounge access requires All Access membership.
- Premier upgrades on award tickets$0/Annual
Primary cardmembers with MileagePlus Premier status and one companion on the same reservation may receive Complimentary Premier Upgrades on eligible award tickets, subject to availability.
- Premier Access travel services$0/Annual
The primary cardmember and companions on the same reservation receive priority check-in, security screening, boarding, and baggage handling where available on eligible United and United Express flights.
- 4 United Club one-time passes (Spend Tier)$0/Annual
Earn four one-time United Club passes each anniversary when the primary cardmember has All Access membership and an authorized user. The $50,000 spend threshold is one way to qualify for All Access; Premier Gold status or higher also qualifies.
- Auto rental collision coverage$0/Annual
Primary auto-rental coverage reimburses theft and collision damage for most rental vehicles with an MSRP of $125,000 or less. New York residents may have secondary coverage inside the U.S.
- Purchase protection$0/Annual
Covers eligible new purchases against damage or theft for 120 days from purchase, up to $10,000 per item; New York residents receive 90 days.
- Lost luggage reimbursement$0/Annual
Reimburses the repair or replacement cost of checked or carry-on baggage lost, damaged, or stolen during a covered trip, up to $3,000 per covered traveler.
- Trip delay reimbursement$0/Annual
Covers unreimbursed expenses such as meals and lodging when common-carrier travel is delayed more than 12 hours or requires an overnight stay, up to $500 per covered traveler.
- Extended warranty protection$0/Annual
Extends an eligible manufacturer's U.S. warranty of three years or less by one additional year, up to four years from purchase.
- No foreign transaction fees$0/Annual
Card purchases made outside the U.S. are not subject to foreign transaction fees.
- Trip cancellation and interruption insurance$0/Annual
Reimburses prepaid, nonrefundable travel expenses when a covered trip is canceled or cut short for a covered reason, up to $10,000 per covered traveler and $20,000 per trip.
- Discounted United award pricing$0/Annual
Eligible primary cardmembers receive discounted award pricing on United or United Express flights; non-Premier cardmembers save at least 10%, while Premier members save more.
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