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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 90,000 points after spending $5,000 within the first 3 months.

Bonus Value

Approximately $900

Annual Fee

$525

Card Rewards

4 points on United purchases

2 points on travel and restaurants including eligible delivery services

1 point everywhere else

Add to compare

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: June 13, 2024 | Credit Card Review
Card Overview

The United Club Infinite is the ultimate luxury United credit card. Enjoy benefits like free upgrades with United Airlines, priority check-in, and security screening, United Lounge Access, Complimentary Hertz Presidents Circle, and much more (see full details below)! You can use your points to pay the annual fee at a rate of 1.5 cents per point.

Why I Like This Card

If you are looking for a top-of-the-line United credit card then get the card_name. It has a steep $525 annual fee, but the benefits might justify it for some of you. You can use your points to pay the annual fee at a rate of 1.5 cents per point. Fly high with Premier access for check-in, security, boarding, and baggage handling! Get Expanded Savor Award availability. By being a cardholder you will also get a bit of a priority to get upgraded to first or business class upon availability (this is only for United MileagePlus Premier members). Enjoy a complimentary upgrade to IHG Platinum status, And unlimited access to United Airport lounges for you and up to two companions.

Card-Smart Tips & Advice
  • Credit: Excellent credit needed (you will probably need at least one credit card open for more than a year)
  • Chase 5/24 rule: Chase will decline an applicant that has opened 5 or more personal cards (other issuers included) in the past 24 months. Hence, 5/24 rule
  • Max cards: You can get approved for up to 2 Chase credit cards in 30 days. Business cards and personal cards are counted separately
  • Apply for two cards: If you apply for one Chase card and get approved, it is recommended to apply for a second card since Chase is very good about approving for two cards, even within the same day. If the first application is still pending, wait for it to be approved before you apply for a second card
  • Credit bureau: Chase Bank will usually pull your Experian credit report
  • Combining same-day credit inquiries: Some data points suggest that credit inquiries for all Personal Chase cards for same-day applications will be combined; also, credit inquiries for all Business Chase cards for same-day applications will be combined. Credit inquiries for Personal and Business card applications will not be combined. 
  • Check application status: You can check your application status at  Chase.com  / Customer Center / Check my app status or call 1 888 338 2586
  • Reconsideration: If declined you can call 1 888 609 7805 to be reconsidered
  • Quickest way to get my card: You will be able to add your new card to your mobile wallet immediately after you get approved (it can sometimes take up to an hour for it to show up in your online login).

  • Downgrade options: The Chase United Club card can be downgraded to the Chase United Explorer ($95) or to the Chase United Gateway ($0). Please note, Chase will only allow you to downgrade the card after 12 months of account opening.

Approval Monitor (submitted by HelpMeBuildCredit users)

100% Approved
762 Avg. Score of those approved
0% Denied
Approved 100% (9)
Denied 0% (0)

Credit limit range $15,000-$27,700

Avg. Credit limit$22,244

Approved 100% (9)
Denied 0% (0)

Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.

HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application

Welcome Offer Eligibility
This United Club Infinite Card is not available to either current Cardmembers of a United Club credit card, or previous Cardmembers of a United Club credit card who received a welcome bonus for the United Club Infinite credit card within the last 24 months.
Card Details And Benefits
Auto Rental Collision Insurance

Worldwide primary coverage on rentals. Coverage is for rentals up to 31 days.

Extended Warranty Protection

Get your original manufacturer’s warranty time matched (up to a year). (Will only cover if the original warranty is for 3 years or less).

Extra Redemption Value

Expanded Award Availability on United Flights when booking award flights. You can use you points to pay your card annual fee at a rate of 1.5 cents per point.

Free Baggage

First and second checked bags free for you and one companion on United flights. Plus receive a free carry-on bag even with a basic economy ticket. The ticket must be purchased with your United credit card and your MileagePlus number must be added to the reservation.

Global Entry and TSA pre-check

Statement credit for Global Entry, TSA Precheck, or NEXUS every 4 years.

Inflight Savings

Receive 25% back (statement credit) on United for inflight purchases of Wifi, food and drinks.

Lost Luggage Reimbursement

Get up to $3,000 per person for lost or damaged luggage.

Lounge Access

Complimentary access to United Club lounges, for you and 2 companions when flying United or its partners.

Luggage delay insurance

If your baggage is delayed for 6+ hours, you can claim up to $100 per day to cover expenses like toiletries & clothing, for up to 3 days.

Priority Boarding

Premier Access for check in, security, boarding, baggage handling

Purchase Protection

Get refunded if your purchase is damaged or stolen, up to 120 days from the date of purchase. Max $10,000 per claim, $50,000 per year.

Return Protection

Not happy with a purchase? Get a refund on purchases that have passed the store return policy – up to 90 days from date of purchase. Max $500 per claim, max $1,000 per year.

Travel Accident Insurance

Get coverage if you, G-d forbid, die in an accident while traveling or lose a limb, sight, speech, or hearing (on common carriers). Receive up to $500,000 in compensation.

Trip Cancellation Insurance

Coverage for canceled or interrupted travel due to an unforeseen medical emergency etc. Max $10,000 per person, max $20,000 per trip for non-refundable travel expenses including flight tickets, hotels, and more.

Trip Delay Reimbursement

If your flight is delayed for 12+ hours, you can claim up to $500 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.

Upgraded Statuses

Premier upgrades for you and your companions on United flights (only for Mileage Plus Premier members)

Get complimentary upgraded to IHG Platinum status

Get boosted to a higher status faster! Earn up to 10,000 bonus Premier Qualifying Points. Earn 25 PQPs for every $500 you spend with your card (up to 10,000 PQPs per calendar year).

How can the points be used?
Award flights

The points can be used at approximately 1 penny per point to book award flights with one of the following United airline partners:

  • United Airlines
  • Aegean Airlines
  • Air Canada
  • Air China
  • Air India
  • Air New Zealand
  • All Nippon Airways (ANA)
  • Austrian Airlines
  • Avianca
  • Brussels Airlines
  • Copa Airlines
  • Croatia Airlines
  • EgyptAir
  • Ethiopian Airlines
  • EVA Air
  • LOT Polish Airlines
  • Lufthansa
  • Scandinavian Airlines (SAS)
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • Swiss Airlines
  • TAP Portugal
  • Thai Airways
How to book

You can book award flights using your United miles with United Airlines and its partners here.

Pay Yourself Back

You can also PayYourselfBack by paying for the annual fee on your card and offsetting the fee with points. You can get 1.75 cents per point.

Good redemptions

United has switched to dynamic pricing almost entirely, but this “almost” thingy means there are still some remnants of normal values United once maintained in its award chart. You can still find some saver awards (which are very mediocre, at best), but the only way to find these awards is to look for your dates and destination. Fortunately, you can still see monthly calendars if you’re flexible with your dates.

Here’s why United MileagePlus is still relevant:

  • You most probably have some United miles in your coffers
  • United miles don’t expire
  • United elite members and credit card holders have access to better Saver award space
  • The United award search engine interface is easy to use
  • United has a huge number of partners, which makes it easier to find Saver availability
  • There are no fuel surcharges ever
  • United offers a free stopover on a round-trip award ticket (Excursionist Perk)

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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