United Club Infinite Card
| Annual fee | $695 Fact |
| Foreign transaction fee | None |
| Rewards currency | miles |
| Est. point value | 1.20¢ Estimate |
Last updated Oct 14, 2026
Checked Oct 11, 2026
Before you apply
General Chase policies as commonly reported by applicants, not a prediction about your application.
Sign-up bonus history
5-year best: 100,000 milesView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Oct 2021 to Jan 2022 · 3 mo | 75,000 miles | $3,000 |
| Jan 2022 to Jun 2022 · 5 mo | 80,000 miles | $5,000 |
| Jun 2022 to Oct 2022 · 4 mo | 100,000 miles Best | $5,000 |
| Oct 2022 to Jan 2023 · 3 mo | 80,000 miles | $5,000 |
| Jan 2023 to Mar 2023 · 2 mo | 100,000 miles Best | $5,000 |
| Mar 2023 to Jan 2024 · 10 mo | 80,000 miles | $5,000 |
| Jan 2024 to Apr 2024 · 3 mo | 90,000 miles | $5,000 |
| Apr 2024 to Jul 2024 · 3 mo | 80,000 miles | $5,000 |
| Jul 2024 to Oct 2024 · 3 mo | 90,000 miles | $5,000 |
| Oct 2024 to Jan 2025 · 4 mo | 80,000 miles | $5,000 |
| Jan 2025 to Apr 2025 · 2 mo | 90,000 miles | $5,000 |
| Apr 2025 to Jun 2025 · 3 mo | 95,000 miles | $5,000 |
| Jun 2025 to Sep 2026 · 15 mo | 90,000 miles | $5,000 |
| Sep 2026 to Oct 2026 · 9 days | 90,000 miles plus 10,000 bonus miles after adding an authorized user in the first 3 months | $5,000 |
| Oct 2026 to Oct 2026 · 9 days | 90,000 miles plus 10,000 bonus miles for adding an authorized user | $5,000 |
| Oct 2026 to now · 8 days | 90,000 miles plus 10,000 bonus miles for adding an authorized user within first 3 months | $5,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Flights | 11x | miles | No cap |
| Hotels | 5x | miles | No cap |
| Brand purchases | 5x | miles | No cap |
| Restaurants | 2x | miles | No cap |
| Transit and rideshare | 2x | miles | No cap |
| Travel | 2x | miles | No cap |
| Everything else | 1x | miles | No cap |
Your elite status
Recurring credits
Estimated value| Get up to $200 back as a statement credit each anniversary year when booking flights directly with JSX. Shared across the account
|
$200/yr (Anniversary) |
| Up to $200 back in statement credits each anniversary year on hotel accommodations prepaid directly through Renowned Hotels and Resorts for United Cardmembers. Shared across the account
|
$200/yr (Anniversary) |
| Enroll to receive up to $12 back each month January through November and up to $18 back in December on rideshare purchases, up to $150 total per calendar year. Shared across the account
|
$144/yr (Monthly) |
| Receive two $10 Instacart credits each month (up to $240 total each calendar year) for purchases made directly through Instacart. Benefits end 12/31/27. Shared across the account
|
$120/yr (Monthly) |
| Receive $50 in United TravelBank cash on each of your first and second Avis or Budget car rental bookings through cars.united.com, up to $100 each anniversary year. Shared across the account
|
$100/yr (Anniversary) |
| Statement credit of up to $120 every four years for the Global Entry, TSA PreCheck, or NEXUS application fee. Shared across the account
|
$30/yr (one-time/annual) |
| Exclusive suite of benefits including a $100 property credit, daily breakfast for two, complimentary Wi-Fi, and room upgrade/early check-in/late check-out when booking through Renowned Hotels and Resorts. Shared across the account
|
$0/yr (Per use) |
Credit value depends on whether you use each credit; treat these as potential value.
Certificates
Estimated value| 4 x United Club one-time passes Requires United Club All Access membership and an authorized user. |
$200/yr |
Values are our estimate of what each certificate typically saves. Certificates expire, so their value depends on using them in time.
Benefits & protections
Card factsCardmembers with United Club All Access Membership and an authorized user earn 4 United Club one-time passes each account anniversary (over a $200 value per year).
Unlock United Club All Access membership after reaching Premier Gold status or spending $50,000 in net purchases on your United Club Card each calendar year. Includes access for 2 adult guests (or 1 guest plus dependent children) and access to participating Star Alliance-affiliated lounges. Authorized users are only eligible if accompanying the primary Cardmember.
Your card includes United Club℠ card membership, a $750+ value, providing unlimited access for you and one adult guest (plus dependent children under 18) to 45+ United Club locations worldwide. Authorized users are only eligible for access if they accompany the primary Cardmember.
Primary Cardmember eligible to enroll in Avis President's Club, enjoying complimentary two-car class upgrades, guaranteed availability, and expedited rental service.
Earn 1 Premier Qualifying Point (PQP) for every $15 spent on purchases, up to 28,000 PQP per calendar year, toward MileagePlus Premier status.
Earn 1,500 Card Bonus Premier Qualifying Points (PQP) each year toward MileagePlus Premier status, awarded within 8 weeks of February 1.
Primary Cardmembers with MileagePlus Premier status traveling on an award ticket, plus one companion on the same reservation, are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
MileagePlus members can use miles to book any United-operated flight, any time, with no restrictions or blackout dates.
24/7 personalized concierge assistance for travel planning, dinner reservations, entertainment tickets and more.
Earn a 10,000-mile award flight discount after $20,000 in purchases each calendar year, up to two times per calendar year (maximum $40,000 in net purchases), to use toward an eligible award flight on United or United Express.
Receive Premier Access® travel services, including priority check-in, security screening, boarding, and baggage handling, on United- and United Express-operated flights when the MileagePlus number is included in the reservation.
The primary Cardmember and one travel companion each receive their first and second standard checked bags free on United- and United Express-operated flights (savings of up to $440 per roundtrip) when the ticket is purchased with the United Club Card and MileagePlus number is included in the reservation.
Save 10% or more (Premier members save even more) when booking United or United Express award flights with miles.
Access to purchase private, curated experiences (United Card Events from Chase) and use miles for unique MileagePlus Exclusives such as dinners, sporting events, and concerts.
Extends the manufacturer's U.S. warranty by an additional year on eligible warranties of three years or less, up to four years from purchase date.
Reimbursement for eligible items the store won't accept within 90 days of purchase, up to $500 per item, $1,000 per 12-month period.
Covers eligible new purchases for 120 days against damage or theft, up to $10,000 per item.
Primary coverage providing reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
Covers unreimbursed expenses like meals and lodging up to $500 per covered traveler when common carrier travel is delayed more than 12 hours or requires an overnight stay.
Reimbursement up to $3,000 per covered traveler for lost, damaged or stolen checked or carry-on baggage.
Reimburses up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Reimbursement up to $10,000 per covered traveler and $20,000 per trip for pre-paid, non-refundable travel expenses if a trip is canceled or cut short by a covered reason.
Earn 10,000 bonus miles for each friend approved for a United MileagePlus Card, up to 100,000 bonus miles per year.
Complimentary Instacart+ membership with $0 delivery fees on eligible orders over $35, through 12/31/27 or a minimum one-year term.
Authorized users on the United Club Infinite
Card factsAuthorized users are free.
Each authorized user gets
- Auto rental coverage
- Baggage delay insurance
- Extended warranty protection
- Lost luggage reimbursement
- Purchase protection
- Return protection
- Trip cancellation and interruption insurance
- Trip delay reimbursement
Shared across the account
- Avis or budget travel credit
- Back on inflight and Club purchases
- Global entrytsa prechecknexus fee credit
- Instacart credits
- Jsx statement credit
- Renowned hotels and resorts property benefits
- Renowned hotels and resorts statement credit
- Rideshare statement credit
Primary cardmember only
- Avis presidents Club membership
- Card bonus premier qualifying points
- Premier qualifying points earning
Only when traveling with you
- Free first and second checked bags
- Premier access travel services
- Premier upgrades on award tickets
- United Club all access membership
- United Club card membership
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