United℠ Club Infinite Card Review (2022.9 Update: 80k Offer)

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United℠ Club Infinite Card (Chase UA Club) Review

2022.9 Update: 100k offer is now expired. The current offer is 80k.

2022.5 Update: 120k offer is now expired. The current offer is 100k.

2022.3 Update: The new offer is 120k! This is the best ever offer on this card.

Application Link

Benefits

  1. 80k offer: earn 80,000 UA Miles after spending $5,000 in the first 3 months. The recent best offer is 120k.
  2. We value UA mile at 1.5  cents (Airline Miles Value). So the 120k highest sign-up bonus is worth about $1,800! See A Beginner’s Guide to UA Miles to check for details about UA Miles.
  3. [New] Earn 4x miles on United. Earn 2x miles on dining and all other travel. Earn 1x miles per dollar spent on all other purchases.
  4. You receive full United Club Membership from this card which allows you to enter United Clubs with up to 2 guests.
  5. You and one companion on the same ticket of United flights can each have 2 free checked baggage.
  6. Enjoy Premier Access on United flights.
  7. You get waived for close-in booking fee on award ticket.
  8. If you spend $25k or more in a calendar, you will receive PQD waiver up to Platinum status.
  9. Complimentary Hertz President’s Circle membership.
  10. Get 25% bonus miles on MileagePlus X purchases.
  11. More award availability (XN cabin) with this card.
  12. [New] Up to $100 credit for Global Entry or TSA Pre application fee.
  13. [New] Visa Infinite benefits, including: Visa Infinite Hotel Collection, Visa Infinite Hotel Privileges, Visa Infinite Car Rental Privileges. But note that the $100 air discount benefit is NOT included.
  14. You can redeem your UA miles towards annual fee at a fixed ratio 1.5 cents/point.
  15. No foreign transaction fee.
  16. It’s free to add an authorized user, though there’s not much benefit.

Disadvantage

  1. Annual fee $525, NOT waived for the first year. Note that annual fee does not count towards the minimum spending requirement (and this is true for all credit cards)!

Recommended Application Time

  1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
  2. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
  3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
  4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

The signup bonus is huge, so this card is definitely worth applying. Whether the card is worth keeping depends on whether you need the United Club membership. If you don’t want to pay the annual fee after the one year, you can downgrade it to the no fee UA card.

Benefits before 2020.3
  1. 75k offer: earn 75,000 UA Miles after spending $3,000 in the first 3 months. This is the recent best offer.
  2. We value UA mile at 1.4 cents (Airline Miles Value). So the 75k highest sign-up bonus is worth about $1,050! See A Beginner’s Guide to UA Miles to check for details about UA Miles.
  3. Earn 2x miles on United. Earn 1.5 miles per dollar spent on all other purchases.
  4. You receive full United Club Membership from this card which allows you to enter United Clubs with up to 2 guests.
  5. You and one companion on the same ticket of United flights can each have 2 free checked baggage.
  6. Enjoy Premier Access on United flights.
  7. You get waived for close-in booking fee on award ticket.
  8. If you spend $25k or more in a calendar, you will receive PQD waiver up to Platinum status.
  9. Complimentary Hertz President’s Circle membership.
  10. Get 25% bonus miles on MileagePlus X purchases.
  11. More award availability (XN cabin) with this card.
  12. No foreign transaction fee.
  13. It’s free to add an authorized user, though there’s not much benefit.
  14. Annual fee $450. Chase branches may have offer that waives it for the first year. Note that annual fee does not count towards the minimum spending requirement (and this is true for all credit cards)!

Related Credit Cards

 Chase UA GatewayChase UA ExplorerChase UA Explorer BusinessChase UA QuestChase UA ClubChase UA Club Business
Annual Fee0$95$99$250$525$450
Various Credits---$125 annual United purchase credit; Two 5,000-mile anniversary award flight credits--
Sign-up Bonus20k70k with first year AF waived75k with first year AF waived90k120k75k

Recommended Downgrade Options

Historical Offers Chart

Application Link


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