Chase
United Club Infinite Card
Annual Fee
$695
Bonus Value
$1,080
Min Spend
$5K/3mo
Current Welcome Offer
80,000
MileagePlus Miles — worth ~$1,080
Spend $5,000 in 3 months
Elevated offerVerified from issuer
Card data snapshot May 14
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Key facts
| Annual fee | $695 |
|---|---|
| Welcome bonus | 80,000 MileagePlus Miles after $5,000 spend in 3 months |
| Bonus value estimate | ~$1,080 |
| Top earning rates | 4× flights · 4× hotels · 2× dining |
| Points program | United MileagePlus |
| Card network | Visa |
| Foreign transaction fee | None |
What you get
All 6 perks ↓Perks/yr up to
$960
Annual Fee
$695
Covers fee (realistic use)
0.7×
2 of 6 need activation — credits often split into small chunks, easy to miss.
Historical Intelligence
Offer history & timing
As of today, the United Club Infinite Card welcome offer is 80,000 points. CreditPoints has tracked 1 offer changes for this card; the tracked average is 100,000 points and the highest offer in our dataset is 100,000 points (May 2026).
Current
80,000
Average
100,000
Tracked High
100,000
Recent changes
2026-05
Chase.com
Highest observed since tracking started: 100,000 (2026-05)
Timing Intelligence
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Based on 1 tracked changes.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$934/yr after bonus)
Timing
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Verified from issuer · Aug 13
Ecosystem
United MileagePlus
MileagePlus miles for United flights, Star Alliance, and partner airlines.
Value
First-year value estimate
Conservative
+$1,672
65% benefit utilization, minimal travel redemptions
Realistic
+$2,014
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$2,430
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$934/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists. 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
Issuer data snapshot
Card details captured: 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
80,000 MileagePlus Miles
Last verified
Aug 13, 2026
6 days ago
Annual fee
$695/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
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Sapphire Reserve
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Sapphire Preferred
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United Quest
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British Airways Visa
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Alternatives
Consider these cards instead
Chase
United Explorer
Lower-fee option if you don't need all the premium perks.
$150/yr
50,000 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
60,000 pts
View review
FAQ
Frequently asked questions
What's the current United Club Infinite welcome bonus?
80,000 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 (~$1,080 estimated cash value) plus up to ~$960/yr in tracked benefits and credits typically covers 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 are the main benefits of the United Club Infinite?
The highest-value benefits we track on the United Club Infinite: United Club Membership (~$650), First 2 Checked Bags Free (~$140), Global Entry / TSA PreCheck Credit (~$120), Premier Access Benefits (~$50). Combined tracked benefit value is up to ~$960 per year against the $695 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
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.
What credit limit does the United Club Infinite come with?
Chase doesn't publish credit limits for the United Club Infinite — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
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.
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 No Close-In Fees
The 1:1 instant transfer that unlocks Star Alliance partner business class, cheap domestic short-hauls from 10,000 miles, and zero close-in booking fees — 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 discontinuation explained, Polaris transcons at 35-45K, Star Alliance partner backup.
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Delta Reserve vs Amex Platinum: Which is Worth It? (2026)
Delta Reserve ($650/yr) wins for Delta loyalists: unlimited Sky Club, MQM acceleration, any-cabin companion cert. Amex Platinum ($895/yr) wins for multi-airline travelers: 5x on all flights, 35+ Centurion Lounges, transferable MR to 19 partners.
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Tools & next steps
Run the math for your situation
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: 80,000 MileagePlus — worth ~$1,080
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. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
United Club Infinite
80,000 MileagePlus offer