Chase
United Club Infinite Card
Annual Fee
$695
Bonus Value
$1,485
Min Spend
$5K/3mo
Current Welcome Offer
110,000
MileagePlus Miles — worth ~$1,485
Spend $5,000 in 3 months
Elevated offerVerified from issuer
Last checked May 14
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What you get
All 6 perks ↓Perks/yr up to
$960
Annual Fee
$695
Covers fee
1.4×
2 of 6 need activation — credits often split into small chunks, easy to miss.
Historical Intelligence
Offer history & timing
Current
110,000
Average
100,000
Tracked High
100,000
Recent changes
2026-05
Chase.com
Highest observed since tracking started: 100,000 (2026-05)
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 100,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on 1 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$905/yr after bonus)
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 100,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Verified from issuer · May 14
Ecosystem
United MileagePlus
MileagePlus miles for United flights, Star Alliance, and partner airlines.
Value
First-year value estimate
Conservative
+$1,267
65% benefit utilization, minimal travel redemptions
Realistic
+$2,225
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$3,175
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$905/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $960/yr in benefits
✈️travel credit
Global Entry / TSA PreCheck Credit
$120/yr
Up to $120 for Global Entry, $85 for TSA PreCheck, or NEXUS. Resets every 4 years.
🛫airline credit
First 2 Checked Bags Free
$140/use
First 2 checked bags free for cardholder and one companion on United flights.
United-operated flights; cardholder + 1 companion
Premier Access Benefits
$50/yr
Premier Access — priority check-in, security screening, boarding, and baggage handling.
United-operated flights
🏛️lounge
United Club Membership
$650/yr
Full United Club membership for cardholder and immediate family or up to 2 guests per visit.
United Club and partner lounges worldwide
⭐status
IHG One Rewards Platinum Status
Complimentary IHG One Rewards Platinum Elite status — room upgrades, bonus points, and late checkout. Requires enrollment.
⚠ Enrollment required
IHG One Rewards
Avis & Hertz Elite Status
Complimentary Avis President's Club and Hertz Five Star rental-car elite status. Requires enrollment.
⚠ Enrollment required
Avis President's Club and Hertz Five Star
Live Data
Verified issuer data
Last verified: May 14, 2026
high confidenceEstimated Net Annual Value
$475
after annual fee
Transfer Partners
Airlines (1)
Hotels (1)
Data sourced from issuer page via automated extraction. Verify current offers directly with creditcards.chase.com.
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Frequent flyers with a preferred airline wanting companion benefits
Not Best For
- Occasional credit card users who won't recoup the $695 annual fee through benefits
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
110,000 MileagePlus Miles
Last verified
May 12, 2026
Annual fee
$695/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Alternatives
Consider these cards instead
Chase
United Explorer
Lower-fee option if you don't need all the premium perks.
$150/yr
80,000 pts
View review
Chase
United Quest
Lower-fee option if you don't need all the premium perks.
$250/yr
90,000 pts
View review
Chase
SW Priority
Lower-fee option if you don't need all the premium perks.
$229/yr
75,000 pts
View review
FAQ
Frequently asked questions
What's the current United Club Infinite welcome bonus?
110,000 MileagePlus Miles after spending $5,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the United Club Infinite worth the $695 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$1,485 estimated cash value) plus tracked statement credits typically cover the $695 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What airport lounge access does United Club Infinite include?
United Club Infinite includes United Club full membership. Lounge networks differ significantly between issuers — Centurion is Amex-only, Sapphire Lounges are Chase-only, Capital One Lounges are Cap One only. Pick the card whose network actually exists at the airports you fly through.
Does Chase's 5/24 rule apply to United Club Infinite?
Yes. United Club Infinite is issued by Chase, so the 5/24 rule applies: if you've opened 5 or more personal credit cards from any issuer in the last 24 months, Chase will likely auto-deny your application regardless of credit score. Check your 5/24 status before applying. Business cards from Amex, Cap One and the Chase Ink line don't usually count toward your 5/24.
What credit score do I need for United Club Infinite?
Realistic target: 740+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 740+ is the floor for reliable approval on cards in United Club Infinite's tier. Income, debt-to-income ratio, and existing relationship with Chase also matter — use our Approval Predictor for a more personalized estimate.
Editorial guides
More on United Club Infinite and Chase
How to Transfer Chase Ultimate Rewards to United MileagePlus: 1:1 Instant Transfers, Sweet Spots, and the Excursionist Perk
The 1:1 instant transfer that unlocks Star Alliance partner business class, cheap domestic short-hauls from 10,000 miles, and the Excursionist Perk free one-way — and exactly when to pull the trigger.
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United MileagePlus: The Complete 2026 Program Guide
Why MileagePlus is the strongest US-domestic Star Alliance program for Chase UR holders — Excursionist Perk free segment, Polaris transcons at 35-45K, Star Alliance partner backup.
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Capital One Lounge Guide 2026: Locations, Access, Amenities & Comparisons
Everything you need to know about Capital One Lounges — which cards get you in, what's inside, how the DFW, IAD, DEN, LAS, and JFK locations compare, updated 2025–2026 access policies, and how they stack up against Centurion and Sapphire Lounges.
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Tools & next steps
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
United Club Infinite Card
Current offer: 110,000 MileagePlus — worth ~$1,485
View Official OfferChase's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
United Club Infinite
110,000 MileagePlus offer