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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Juan has extensive experience in writing and editing content related to credit cards, loyalty programs, and travel. He has been honing his expertise in this field for over a decade. His work has been ...
Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...
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United Club℠ Infinite Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.
United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.
Card Snapshot
Welcome Bonus & Info
Earn 80,000 bonus miles after qualifying purchases
Earn 4 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent on all other travel and dining
Earn 1 mile per $1 spent on all other purchases
Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
10% United Economy Saver Award discount within the continental U.S. and Canada
Earn up to 10,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
Free first and second checked bag for you and 1 traveling companion
United Premier Access
25% back on United inflight purchases
Complimentary Premier Upgrades on United-operated award tickets (when available)
Expanded award availability
Up to 10,000 Premier Qualifying Points
$100 Global Entry, TSA PreCheck, or NEXUS credit
Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
Shopping protections like return protection, purchase protection, and extended warranty protection
IHG One Rewards Platinum Elite status and a $75 annual credit
Avis President’s Club elite status
10% discount on United Economy Saver Awards within the continental U.S. and Canada
Cons
$525 annual fee
Does not earn transferable rewards
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Our seasoned and experienced team brings years of expertise in the credit card and travel sectors. Committed to integrity, we offer data-driven guides to help you find the card(s) that best fit your requirements. See details on our intensive editorial policies and card rating methodologies.
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Methodical “U.P. Rating
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1060+ Expert Credit Card Guides
Great Card If
You’re a frequent United flyer
You want United Club access
You want to reach higher levels of United elite status
Don’t Get If
You seldom fly with United
You prefer a card that earns transferable points
You don’t think the benefits justify the card’s annual fee
United Club Infinite Card — Is It Worth It?
The United Club℠ Infinite Card is ideal for United loyalists that are looking for a premium card that provides great perks and an annual United Club membership so that they can enjoy airport lounge access.
A great option for those who are looking to reach higher levels of United elite status, the United Club Infinite card allows you to earn up to 10,000 PQPs each year through your card spending.
Put simply, if you are a United Airlines loyalist and are looking to reach high levels of elite status with the airline, then the United Club Infinite card would be a good fit for you.
United Club Infinite Card Top Benefits
United Club Infinite Card Travel Benefits
If you’re looking for a card that provides tons of perks to United flyers, then you’ll love what the United Club Infinite card has to offer.
United Club Access — Cardholders receive complimentary access to all United Club lounges.
Free Checked Baggage — You and 1 companion on the same reservation will each receive your first and second standard checked bag free when you pay for your flight with the United Club Infinite card.
United Premier Access — Premier Access not only offers priority boarding, but also priority check-in, security screening (where available), and baggage handling.
25% Back on United Inflight Purchases — When you use your United Club Infinite card to purchase food, beverages, or Wi-Fi on board, you’ll receive 25% back as a statement credit.
Complimentary Premier Upgrades — Get a space-available seat upgrade to the next cabin class when flying on United award tickets.
Expanded Award Availability — Cardholders have no restrictions or blackout dates on award flight availability.
Up to 10,000 Premier Qualifying Points — For every $500 spent on your card, you’ll earn 25 PQPs towards your next level of United elite status, up to 10,000 PQPs each year.
10% Discount on United Economy Saver Awards — Receive a discount within the continental U.S. and Canada.
Complimentary IHG One Rewards Platinum Elite Status and $75 Annual Credit — Receive complimentary room upgrades and extended checkout, plus up to $75 in statement credits as reimbursement for IHG Hotels and Resorts purchases.
Complimentary Avis President’s Club Elite Status — Enjoy complimentary 2-car class upgrades, guaranteed car availability, expedited rental service, and more.
United Club Infinite Card Travel and Purchase Protections
Frequent travelers will love the protections they receive thanks to their United Club Infinite card.
Trip Delay Coverage — When you purchase your flight with your United Club Infinite card, and it is delayed by more than 12 hours, or overnight, you’re covered for up to $500 in charges towards necessities like food and lodging.
Lost or Delayed Baggage Insurance — If your luggage is lost or damaged by the airline, you’re covered for up to $3,000. If the airline delays your bag by more than 6 hours, you’re covered up to $100 a day, for up to 3 days, towards necessary expenses.
Trip Cancellation Insurance — Trips that must be canceled due to covered situations are covered for up to $10,000 per traveler, and $20,000 per trip, for non-refundable travel expenses.
Rental Car Insurance — Primary rental car insurance coverage covers theft and collision damage to your rental vehicle.
Return Protection — You’ll be reimbursed for items that the store will not accept a return for within 90 days of purchase, up to $500 per item and $1,000 per year.
Purchase Protection — Items purchased with your card are covered in the case of theft or accidental damage, up to 120 days from the purchase date, for up to $10,000 per claim and $50,000 per year.
Extended Warranty Coverage — Any items purchased with your card that have extended warranties of 3 years or less will be extended by 1 additional year.
Best Ways To Earn and Redeem United Miles
Besides flying and using your credit card, how else can you rack up United miles? Well, there are quite a few options actually! From transfer partners to airline shopping and dining programs, there are tons of great ways to earn United miles.
As most award travelers know, earning miles can be the easy part, but putting them to good use can be a bit more difficult. We’ve got you covered, though, with our guide to the best ways to redeem United miles for max value.
Alternative Cards to the United Club Infinite Card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.
Earn 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.
60,000 miles
$720
$250
21.99% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The newest addition to United’s lineup of cards is the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.
Earn 60,000 bonus miles and 500 PQP after qualifying purchases
Earn 3 miles per $1 spent on United® purchases
Earn 2 miles per $1 spent on all other travel, dining and select streaming services
Earn 1 mile per $1 spent on all other purchases
Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and priority boarding
Up to a $125 United® purchase credit and up to 10,000 miles in award flight credits each year (terms apply)
Earn up to 6,000 Premier qualifying points per calendar year (25 PQP for every $500 you spend on purchases)
Member FDIC
Financial Snapshot
APR: 21.99% - 28.99% Variable
Foreign Transaction Fees: None
If you’re a frequent United flyer but aren’t interested in paying the high annual fee of the United Club Infinite card, then the United Quest card is a happy medium. It offers 3x miles per $1 on United purchases and 2x miles per $1 on travel, dining, and streaming purchases. Plus, it offers many of the benefits that the United Club Infinite card offers, like free checked bags, priority boarding, and complimentary premier upgrades.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros
The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges,Priority Pass lounges, Plaza Premium Lounges, and many more!
5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
$189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
If you want a premium card with ultra-premium perks like airport lounge access, all while earning transferable points, then the Amex Platinum card might be the perfect card for you. Not only does the card earn 5x points per $1 on airfare (up to $500,000 per calendar year), but you also receive airport lounge access to multiple lounge networks, Hilton and Marriott elite status, Saks Fifth Avenue credits, and much more. Terms apply and some benefits require enrollment.
For rates and fees of The Platinum Card® from American Express, click here.
Frequently Asked Questions
What credit score do I need for the United Club Infinite card?
There is no set credit score that you need in order to be approved for the United Club Infinite card. Your approval will be based on a variety of factors like your stated income, years of credit history, and the number of new accounts you’ve opened recently. However, as long as your credit score is 720 or higher, you should have good approval odds.
What is the credit limit of the United Club Infinite card?
Since the United Club Infinite card is a Visa Infinite card, approved applicants will have a starting credit limit of at least $5,000, but it might be much higher depending on qualifying factors like your credit score and income.
Does the United Club Infinite card earn Premier Qualifying Points?
Yes, the United Club Infinite card earns 25 Premier Qualifying Points (PQPs) for every $500 spent on the card, up to a maximum of 10,000 PQPs each year.
Is the United Club Infinite card worth it?
If you’re a frequent United flyer and want benefits like a complimentary United Club membership, free checked bags, United Premier Access, and the ability to spend your way to higher levels of elite status, then yes, the United Club Infinite card would definitely be worth it to you.
Is the United Club Infinite card metal?
Yes, the United Club Infinite card is metal.
What is the best United Airlines credit card?
The best United Airlines card is whichever card makes the most sense for your personal travel needs.
If you are a United loyalist and frequent flyer that wants United Club access, then your best and only option is the United Club Infinite card.
If you don’t fly all that much or prefer a lower annual fee card that offers many of the benefits you’d receive from low-level elite status with United, then select the United℠ Explorer Card.
Those that want a middle-of-the-road card that charges a higher-than-average annual fee, but packs a lot of great United perks and benefits, will find the United Quest card to be the perfect fit.
Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
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