United Club℠ Infinite Card Review

Are you looking for a credit card that offers exclusive benefits and rewards? Then the United Club℠ Infinite Card may be right for you! With this card, you’ll gain access to the exclusive United Clubs around the world, along with a range of other travel and lifestyle benefits. In this review, we’ll take an in-depth look at what the United Club℠ Infinite Card has to offer.

From earning miles on every purchase to complimentary upgrades on flights, it’s easy to see why so many people are choosing this card as their go-to for travel. We’ll explore how much you can earn with this card and what kind of perks you get when you sign up. We’ll also compare it with other cards in the same class so you can find the best option that suits your needs.

At the end of our review, you should have all the information required to decide if the United Club℠ Infinite Card is right for you. So let’s get started!


The United Club℠ Infinite Card is a great choice for frequent travelers who want to maximize their rewards. It offers an array of benefits, including unlimited airport lounge access, a Global Entry or TSA Pre✔® application fee credit, and more. Plus, the annual fee is waived for the first year and then only $525 after that.

The card also offers generous rewards with 3X miles on United purchases and 2X miles on dining and hotel stays. You can choose from a range of redemption options that are easily accessible through the United website, such as gift cards and travel rewards.

Overall, this card provides plenty of value to frequent travelers looking for an all-in-one package with excellent perks and rewards.

Benefits & Rewards

Moving on from an overview of the United Club℠ Infinite Card, let’s discuss the benefits and rewards it offers. With this card, you can earn 3X miles on flights booked directly with airlines, 2X miles on hotel accommodations booked directly with hotels, and 1X mile for all other purchases. Plus, if you spend $5,000 in purchases in the first three months after opening your account, you’ll receive up to 45,000 bonus miles.

In addition to these fantastic earning opportunities, you can also receive a $100 statement credit when you use your card for Global Entry or TSA Pre✓® application fees. You can also enjoy complimentary access to more than 1,000 United Club locations worldwide as well as select Star Alliance lounges around the world.

The United Club℠ Infinite Card comes with no foreign transaction fees and provides additional travel benefits such as priority boarding privileges and discounts on eligible in-flight purchases. It also includes 24/7 customer service and protection against fraud or theft so that you can feel secure when using your card.

Eligibility Requirements

The United Club℠ Infinite Card is a great choice for anyone who travels frequently. To be eligible for this card, you’ll need to meet certain requirements. First and foremost, you must have a good credit score. You should also have a steady income that can support the monthly payments associated with this card. Finally, you must be at least 18 years old and a resident of the United States in order to apply.

When applying for the United Club℠ Infinite Card, you’ll need to present valid identification such as your driver’s license, passport or state ID. You may also be asked to provide proof of address and employment. Additionally, if requested by the issuer, you may need to submit financial documents such as recent pay stubs or tax returns.

Once all the necessary documentation has been submitted and approved, your application will be processed and you should receive notification shortly thereafter with regards to your eligibility status.

Fees & Interest Rates

The United Club℠ Infinite Card offers a broad range of fees and interest rates. This section will provide an overview of the associated costs and rates for this card.

First, it’s important to understand that an annual fee is charged for the United Club℠ Infinite Card. The current rate is $525 per year, although there are ways to waive or reduce this fee by spending a certain amount with your card each year. It’s also possible to get additional rewards and benefits when you pay your annual fee.

In terms of interest rates, the United Club℠ Infinite Card comes with a variable APR on purchases and balance transfers. The APR can vary depending on your credit score and other factors, but it’s usually quite competitive compared to other cards in its class. Additionally, there is no penalty APR if you make late payments or exceed your limit.

On top of that, cash advances come with their own set of fees and interest rates. Cash advances have a variable APR that can range from around 20% up to 25%, plus they come with a transaction fee of either $10 or 5% of the advance amount (whichever is greater). These fees should be taken into account before you decide to take out a cash advance on your card.

Pros And Cons

The United Club℠ Infinite Card offers a number of advantages that make it a great choice for frequent United Airlines flyers. For starters, the card provides an impressive bonus of up to 75,000 miles after meeting the spending criteria within the first three months. Additionally, cardholders will earn 3 miles for every dollar spent with United and 2 miles per dollar on all other purchases. This can add up quickly over time, helping you earn even more rewards with your card.

Cardholders also benefit from having access to exclusive events and other benefits like priority boarding and 25% back on in-flight purchases. The ability to check one bag free on flights is another great perk of having this card. There’s also a travel credit of up to $100 each year to cover incidental fees such as baggage fees or seat upgrades.

On the downside, the annual fee is rather high at $525 per year. However, if you use the benefits often enough it can easily be worth it in the end since you’ll be saving money on things like checked bags and flight upgrades. Plus, all these perks are available for family members who are listed as authorized users on your account at no additional cost.


When considering alternatives to the United Club℠ Infinite Card, there are a few options to consider. One choice is the United Explorer Card. This card offers similar benefits including two free checked bags and priority boarding as well as access to partner lounges and 25% back on United purchases. The annual fee for this card is lower than the Infinite Card at $95 per year.

The Chase Sapphire Preferred® Card is another option, which has no annual fee for the first year and a $95 fee thereafter. It provides two points per dollar spent on travel or dining, one point per dollar spent everywhere else, and double points on Lyft rides. It also includes travel insurance benefits and access to Chase’s Ultimate Rewards Portal.

The Capital One Venture Rewards Credit Card can be a great choice for those who want to earn rewards quickly. With it, you can earn 2x miles on every purchase – no matter what it is – and 10x miles when you book hotels through Hotels.com/Venture. And with a 50k bonus after spending only $3k in 3 months, you’ll have plenty of miles to use right away.


In conclusion, the United Club℠ Infinite Card is a great option for frequent travelers. It provides generous rewards and perks, making travel more affordable. With no foreign transaction fees, I can use it with confidence when traveling abroad. The card also has great customer service, so I know any issues that arise will be addressed quickly and efficiently.

The eligibility requirements are fairly standard and the interest rates are competitive. The annual fee may be off-putting to some, but the benefits definitely make it worth it. For those who don’t want to pay an annual fee or have less than stellar credit, there are alternatives that offer similar rewards at a lower cost of entry.

Ultimately, the United Club℠ Infinite Card is a great choice for those looking for premium travel benefits without breaking their budget. Whether you’re a business traveler or simply like to explore new places, this card offers plenty of value for frequent flyers.

Scroll to Top