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United Club Infinite Card

Stay updated on new credit card offers

welcome offer

Earn 75,000 points after spending $3,000 within the first 3 months.

Bonus Value

Approximately $975*

Annual Fee

$525

Card Rewards

4 points on United purchases

2 points on restaurants and travel

1 point everywhere else

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.

Card Overview

The United Club Infinite is the ultimate United credit card. There now is no annual fee for the first year so cash in on benefits like free upgrades with United Airlines, priority check-in, and security screening, United Lounge Access, Complementary Hertz Presidential Circle, and much more!

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 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
  • 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. More recent data points suggest that Chase credit inquiries will not be combined even for two Personal or two Business cards for same-day applications
  • 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
  • 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.

Recent Approvals and Denials (as submitted by Help Me Build Credit users)

100% Approved
759 Avg. Score of those approved
0% Denied
Approved 100%
Denied 0%

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

Avg. Credit limit$20,533

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.

Welcome Offer Eligibility
This United Club Infinite Card is not available to either current Cardmembers of any United Club credit card, or previous Cardmembers of any 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
Foreign Transaction Fee

No foreign transaction fee.

Upgraded Status

Complimentary Hertz President’s Circle Status

Premier upgrades on United flights (only for Mileage Plus Premier members)

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.

Extra Redemption Value

Expanded Award Availability on United Flights when booking award flights.

Global Entry and TSA pre-check

Statement credit for Global Entry or TSA Pre-Check every 4 years.

Lounge Access

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

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.

Auto Rental Collision Insurance

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

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.

Lost Luggage Reimbursement

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

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.

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.

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).

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.

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

Inflight Savings

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

Covid-19 Temporary Benefits

  • Earn 5 points per dollar on groceries on up to $1,500 each calendar quarter from 04/01/20- 06/30/20. Plus, you can now pay the annual fee using miles at 1.5 cents per mile on the ($525),

Additional Resources

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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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