Who it's for
Airline loyaltyAirport loungesPremium travelLounge access
United Club Infinite
United Club annual membership alone costs $650-$750 — the card is effectively break-even before any other benefits. Best for frequent United flyers who fly 10+ times annually.
$1,201/yrest. value at typical spending
$695annual fee
$890yearly credits
−$195fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 2.2x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 1 transfer partner · Airport lounge access
- Up to $890 in yearly credits: $200 Renowned Hotels and Resorts, $240 Instacart ($10 twice monthly, through 2027), $150 rideshare, $200 JSX, $100 Avis/Budget
- Unlimited United Club lounge access for cardholder + 1 adult guest + dependent children under 18
- Star Alliance Gold lounge access in addition to United Club
- Free first and second checked bag for cardholder + 1 companion on every United flight
- 1,500 PQP bonus annually toward MileagePlus Premier status
- 4x miles on United purchases
- 2x on all other travel and dining
- 1x on everything else
- 10,000-mile discount on United award flights per anniversary
- Global Entry/TSA PreCheck credit ($120 every 4 years)
- 25% in-flight discount on United purchases
- Premier Access (priority check-in, security, boarding)
Transfer partners
United MileagePlus
Head-to-head
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