chase

United Club℠ Infinite Card

Chase travel card, a premium travel card that offers a flexible rewards program. You can redeem your points for bonus travel rewards and dining.

Credit needed
Excellent
APR
16.49% to 23.49%
Annual Fee
$525

Card Summary

United Club Infinite Card can be used as a credit card for airline travel.

The card offers travel miles for purchases made in any spending category and there is a $525 annual charge.

You earn 4 miles for every dollar you spend with United Airlines. 2 miles per $1 on dining out at restaurants, eligible delivery services, and travel. 1 mile per Dollar on any other purchases. Points don't expire and there's no limit on spending.

The interest rates on the United Club Infinite Card vary from 16.49% to 23.49% Variable.

Card Summary - Cons

Rates and fees

Issuer Name
Chase
Penalty APR
Maximum 29.99%
Credit Needed
Excellent
Balance Transfer Fee
The transfer amount must be either $5 or 5%, depending on which is higher.
Annual Fee
$525
Cash Advance Fee
You can choose to pay $10 or 5% depending on the transaction amount.
APR
16.49% to 23.49%
Foreign Transaction Fee
$0

Highlights

Get 100,000 bonus miles spend $1 on United purchase including tickets, economy plus, drinks, Wi-Fi and inflight food. Earn 4 miles for every $1.

Spend $1 on any other travel and earn 2 miles. Earn 2 miles per $1 spent on dining including eligible delivery services. All other purchases earn 1 mile for every $1Credit up to $100 for Global Entry and TSA precheck.

Get a free first and second checked bag - up to $320 off roundtrip. These terms and conditions apply.

You will receive 25% as a credit to your Club Infinite Card for purchases made on United flights.

Comparative Analysis with Other Cards

United Club Infinite Card or Capital One Venture Rewards Credit Card

Annual Fee: United Club Infinite Card has a $525 fee. Annual fee for Capital One Venture Rewards Credit Card: $95.

Reward: The United Club Infinite Card earns 4 miles for every dollar you spend with United Airlines. You also get 2 miles per $1 on dining out at restaurants, eligible delivery services, and travel. All other purchases are worth 1 mile. You can get 2 miles for every dollar with the Capital One Venture Rewards Credit Card.

Sign up bonus: The United Club Infinite Card offers 100,000 bonus miles for purchases of $5,000 within the first 3 months. Capital One Venture Rewards Credit card gives you 60,000 bonus point when you spend $3,000 within three months of account opening. This is equivalent to $600 for travel.

Benefits: With the United Club Infinite Card, you have access to a variety of travel and consumer services, including purchase and return protection, no foreign exchange fees and extended warranty coverage. You also get car rental collision damage waiver and lost or delayed luggage insurance.

Plus, inside access from Chase gives you access to presales for event tickets. Two checked bags are free for cardholders who have a companion traveling with them on the same booking. They also get access to United Club and priority boarding.

Capital One Venture Rewards Credit card cardholders receive Visa Signature benefits, including concierge services, upgrade and savings at participating hotels, resorts, and an automobile rental collision damage waiver.

United Club Infinite Card Vs. Chase Sapphire Preferred Card

Annual fee: United Club Infinite Card charges a $525 fee. Chase Sapphire Preferred Card has a $95 per year fee.

Reward: You can earn 4 miles for every dollar you spend with United Airlines. 2 miles per $1 on dining out at restaurants, eligible delivery services, and travel. 1 mile per $ on all purchases Chase Sapphire Preferred Card gives you five points per $1 on Lyft (valid until March 2022), three points for dining out at restaurants, two points for travel, and one point on any other purchase.

Sign up bonus: After you have spent $5,000 in your first 3 months of account opening, the United Club Infinite Card will award you 100,000 bonus miles. Chase Sapphire Preferred Card gives you a sign-up bonus of 60,000 points if you spend less than $4,000 within the first three months after account opening. Chase Ultimate Rewards (r) will give you $750.

Benefits: United Club Infinite Card provides valuable benefits to consumers, including purchase and return protection, warranty coverage for purchases, extended warranties, and car rental collision damage waiver. Each primary cardholder and their travel companion receive two checked bags free of charge and priority boarding for every United flight.

They can also purchase presale tickets with Chase Inside Access. Chase Sapphire Preferred Card benefits are trip cancellation and interruption insurance, auto rental collision damage waivers, baggage delay insurance and trip reimbursement.

Conclusion

Note: Credit Card summary is for informational purposes only and is not an endorsement of the product. Products and services described are offered by third parties and not Bright Money or its partner banks. Bright Money strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider, or specific product’s site and the information has not been reviewed or provided by the issuer of the product before publication.

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