Chase
United Club Infinite
United Club Infinite costs $695 annual fee and earns up to 5× on travel booked direct. It also carries $750 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the United Club Infinite returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $695 annual fee
- Best earn rate
- 5× travel booked direct
- Points value
- 1.3¢ a point
- Cash back value.
- Welcome bonus
- 90,000 points
- About $1,300 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.
- Credits a year
- $750
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the United Club Infinite earns
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
Flights and hotels booked direct
5×
Dining
2×
Other travel
2×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
| Flights and hotels booked direct | 5× | |
| Dining | 2× | |
| Other travel | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the United Club Infinite right for you?
Enter a typical month. You will see what the United Club Infinite returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
United Gateway Card Top for your numbers
2× gas, 2× transit; 1× everything else. No annual fee.
Rewards $384 · No annual fee
+$384
3× travel booked direct, 2× dining; 1× everything else. $150 annual fee.
Rewards $435 · Fee −$150
+$285
4× travel booked direct, 2× dining; 1× everything else. $350 annual fee.
Rewards $468 · Fee −$350
+$118
5× travel booked direct, 2× dining; 1× everything else. $695 annual fee.
Rewards $482 · Fee −$695
−$213
How we estimate
- Every rate on this page comes from the card catalog. United Club Infinite pays 1× on spending outside the bonus categories listed above, and up to 5× on travel booked direct.
- We value this card's points at 1.3¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"united-club-infinite","name":"United Club Infinite","fee":695,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["travel"],"rate":5}],"credits":750},{"key":"united-quest","name":"United Quest Card","fee":350,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["streaming"],"rate":2},{"inputs":["travel"],"rate":4}]},{"key":"united-explorer","name":"United Explorer Card","fee":150,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["dining"],"rate":2},{"inputs":["travel"],"rate":3}]},{"key":"united-gateway","name":"United Gateway Card","fee":0,"cpp":0.013000000000000001,"base":1,"earn":[{"inputs":["gas"],"rate":2},{"inputs":["transit"],"rate":2},{"inputs":["travel"],"rate":2}]}]}What comes with it
Welcome bonus
90,000 points to 100,000 points
About $1,300 if you redeem at 1.3¢ a point, and only if you clear the spending requirement.
Points and partners
United MileagePlus
No
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| United Club membership for cardmember and one guest Chase advertises this as a $750+ annual value. Counts at the $750 face; All Access membership and the 4 one-time passes are separate and only unlock at Premier Gold status or a qualifying annual spend. | $750 | $750 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked creditcards.chase.com/travel-credit-cards/united/club-infinite 2026-10-05. Earn 5x miles on United flights and other United purchases, 5x on prepaid Renowned Hotels and Resorts stays for United Cardmembers booked through Chase Travel, 2x on other travel including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare and tolls, 2x on dining, 1x on everything else. $695 annual fee. Welcome offer is 90,000 miles after $5,000 in purchases in the first 3 months, plus an additional 10,000 miles after you add an authorized user, so Min/Max are 90,000 and 100,000. Also earns 500 Premier qualifying points after the first purchase and up to 28,000 PQP per year at one PQP per $15 of spend; the 10,000-mile award flight discounts (one per $20,000, up to two per $40,000) are per-spend-threshold rather than an annual fixed credit, so they are not modeled. No Priority Pass is listed on Chase's page. Unverified: whether United Club Infinite is a rename of the older Chase United Club Card or a separate product; Chase's card index today lists only United Club Infinite in the personal United Club slot. CentPerPoint 1.3 to match the existing Chase United rows in this catalog; not independently revalued.
FAQ
The United Club Infinite charges $695 a year. Earning back $695 means about $1,114 a month on travel booked direct, where it earns 5.2¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
5× on travel booked direct, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $695 means about $1,114 a month on travel booked direct, where it earns 5.2¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. It also carries $750 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 90,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.3¢ a point that is about $1,300, before you count the annual fee and whether you would clear the spending requirement for it.
No. The United Club Infinite earns United MileagePlus that you redeem for statement credit or shopping rather than transferring to a partner, so its realistic value is about 1.3¢ a point.
No. The United Club Infinite charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.