United Club℠ Infinite Card Review (2026.4 Update: 110k Offer)

Advertiser Disclosure: This site is part of affiliate sales networks and receives compensation for sending traffic to partner sites. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

2026.4 Update: The welcome offer is now 110k. Offer ends on 2026.5.20. Also, there’s a new benefit added on all UA cobranded cards: 10% off on UA award flights. For the no fee card UA Gateway card, you need to spend $10k in a calendar year to get this benefit, while for all other UA cobranded cards with an annual fee, you get this benefit as long as you hold the card.

2025.11 Update: The welcome offer is now 100k.

2025.4 Update: There’s a new link with better offer 100k: in addition to the 95k offer with $5k spending requirement, earn 5k more miles when you add an authorized user in the first 3 months. That’s 100k miles in total. Offer ends on Jul 17. HT: DoC. [2025.7 Update] The welcome offer is lowered to 90k.

Application Link

Benefits

1. 110k offer: earn 100,000 United miles after spending $5,000 in 3 months. Earn 10,000 more miles when you add an authorized user in the first 3 months. That’s 110k miles in total. The recent best offer is 120k.
2. We value UA mile at 1.5  cents (Airline Miles Value). So the 120k highest welcome offer is worth about $1,800. See A Beginner’s Guide to UA Miles to check for details about UA Miles.
3. Earn 5x miles on United. Earn 2x miles on dining and all other travel. Earn 1x miles per dollar spent on all other purchases.
4. You receive full United Club Membership from this card which allows you to enter United Clubs with up to 2 guests.
5. [New] There are various coupons on this card now, see next section below.
6. [New] 10% off on UA award flights.
7. You and one companion on the same ticket of United flights can each have 2 free checked baggage.
8. Enjoy Premier Access on United flights.
9. You get waived for close-in booking fee on award ticket.
10. Complementary IHG Platinum membership.
11. Get 25% bonus miles on MileagePlus X purchases.
12. More award availability (XN cabin) with this card.
13. Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit.
14. Visa Infinite benefits, including: Visa Infinite Hotel Collection, Visa Infinite Hotel Privileges, Visa Infinite Car Rental Privileges. But note that the $100 air discount benefit is NOT included.
15. With this card, you can redeem your UA miles towards annual fee at a fixed ratio 1.75 cents/point.
16. No foreign transaction fee.
17. It’s free to add an authorized user, though there’s not much benefit.

Various Coupons

• $200 Renowned Hotels and Resorts credit: Receive up to $200 back in statement credits each anniversary year on hotel accommodations when you prepay directly through Renowned Hotels and Resorts with this card.
• $100 Avis/Budget credit: Receive $50 in United TravelBank cash, up to $100 each anniversary year, for your 1st and 2nd Avis or Budget car rental booked directly through cars.united.com and paid for with this card.
• $150 rideshare credit: Enroll to receive up to $150 back as statement credits each calendar year on rideshare purchases when paying with this card: $12 back as a statement credit each month from January through November and up to $18 back for the month of December. Yearly opt-in is required.
• $240 Instacart credit: Receive two $10 Instacart credits monthly, up to $240 total each calendar year, for purchases made directly through Instacart with this card. Terms apply. Benefits end 12/31/27.
• $200 JSX credit: Get up to $200 back as a statement credit each anniversary year when you book flights directly with JSX using this card. JSX is a hop-on jet service that offers a semi-private flying experience at commercial fares.

Disadvantage

1. [New] Annual fee $695, NOT waived for the first year. Note that annual fee does not count towards the minimum spending requirement (and this is true for all credit cards)!

Recommended Application Time

1. [5/24 Rule] If you have 5 or more new accounts opened in the past 24 months, Chase will not approve your application on this card, no matter how high your credit score is. The number of new accounts includes all credit card accounts, not only Chase accounts. See this post for details about how to possibly bypass this rule.
2. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months. Note that what matters here is the time you got the sign-up bonus, not the time you open the account or close the account.
3. Don’t apply for more than 2 Chase credit cards within 30 days, or it’s highly likely that you will get rejected.
4. We recommend you to apply for this card after you have a credit history for more than a year.

Summary

The welcome offer is huge, so this card is definitely worth applying. Whether the card is worth keeping depends on whether you need the United Club membership. If you don’t want to pay the annual fee after the one year, you can downgrade it to the no fee UA card.

Related Credit Cards

Recommended Downgrade Options

Historical Offers Chart

Application Link

If you like this post, don’t forget to give it a 5 star rating!