Chase United Club Infinite - Find Me a Card

Chase United Club Infinite

A great card for United frequent flyers (4x miles at United, 2x on other travel and dining, free United Club membership, and Chase Luxury Hotel & Resort Collection benefits), with a 75K miles signup bonus, but has a $525 annual fee

Your total savings: $1,869 over the next 5 years

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Credit Score Required:
Excellent (800+)

Rewards & Perks

Reward Highlights

  • 75,000 miles signup bonus after you spend $3,000 in your first 3 months.
  • United Club membership: Allows you (and up to 2 people you're traveling with) to access United Clubs and select Star Alliance lounges when flying United and its partners.
  • 4x miles on United purchases.
  • 2x miles on all other travel purchases.
  • 2x miles on restaurant purchases. (This also includes eligible delivery services such as GrubHub, Seamless, DoorDash, and Caviar.)
  • 1 mile per dollar on all other purchases.
  • 25% cash back on United in-flight purchases.
  • Chase Luxury Hotel & Resort Collection benefits: Provides the following benefits at over 1,000 luxury hotels, resorts, lodges, and spas: Daily breakfast for two, a room upgrade (if available), early check-in and late check-out (if available), complimentary wi-fi, and a special benefit unique to each property (e.g., lunch or dinner for two, a spa treatment, waivers of golf greens fees, welcome gift, or airport transfers).
  • Premier Access travel services: Receive preferential treatment to ease your way through the airport with priority check-in, security screening (where available), boarding and baggage handling privileges.
  • Free first and second checked bags for you plus a travelling companion.
  • Premier upgrades on award tickets: The primary card member who is also a MileagePlus Premier member and traveling on an award ticket can take advantage of Complimentary Premier Upgrades on United-operated flights (when available).
  • Personal concierge service (via Visa Infinite Concierge): Find tickets to the top sports and entertainment events, make dinner reservations, and even get help sending the perfect gift.
  • Access to United card events from Chase and United MileagePlus events.

Other Rewards & Perks

  • Hertz Gold Plus Rewards President's Circle: The Hertz Gold Plus Rewards program's exclusive President's Circle tier offers a 50% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers, and more.
  • Car rental loss and damage insurance: Provides you reimbursement for damage due to collision or theft. Coverage is supplemental to and in excess of other insurance. You must decline the collision/loss damage waiver offered by the auto rental agency.
  • Baggage delay insurance: Provides reimbursement of up to $100 per day (up to five days), when your bags are delayed or misdirected by a common carrier for more than six hours for essential items including clothing.
  • Global Entry or TSA Pre-Check fee credit: Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee charged to your card.
  • Lost luggage reimbursement (up to $3,000 per passenger): Provides you coverage for luggage and its contents if they are lost or stolen due to theft or misdirection by the common carrier (airline, bus, train, cruise ship).
  • Trip cancellation/trip interruption insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed for your pre-paid, non-refundable travel expenses, including passenger fares, tours, etc.
  • Trip delay reimbursement: Provides reimbursement (e.g., up to $500 per purchased ticket) for you and your eligible family members for reasonable expenses if a covered trip is delayed (due to a covered hazard) for more than 12 hours (or for more than 6 hours, depending on which credit card you have).
  • Extended warranty for warranties of 3 years or less: Extends the time period of the U.S. manufacturer's warranty (by an additional 1+ years) for eligible items that would otherwise have warranties of 3 years or less. (Refer to the offer details on the credit card issuer's website for details about dollar limits and exclusions.)
  • Purchase protection (120 days): Coverage for eligible items you buy with your card if they are lost or stolen within 120 days of your purchase.
  • Return protection (90 days): You can be reimbursed for eligible items that the store won't take back within 90 days of purchase.
  • Free online access to your credit score (via Chase Credit Journey): You can opt-in to access your credit score (updated monthly) for free, within Chase's mobile app or website.

Special Signup (Promo) Rewards & Perks

  • 75,000 miles signup bonus after you spend $3,000 in your first 3 months.
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Rates & Fees

Summary of Rates & Fees

  • Annual fee: $525. ($0 in the first year.)
  • APR on purchases and balance transfers: 16.49-23.49%.
  • No foreign transaction fees. 

Annual Fee: $525 ($0 for first year)

Interest Rate (“Purchase APR”): 16.49-23.49%

BT Fee: 5% of BT

BT APR: 16.49-23.49%

Cash Advance Fee: 5%

Cash Advance APR: 24.99%

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Other Info

Date Introduced: 2012-03-27

Date Last Updated: 2021-03-26

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