United Club Infinite
Chase
United Club Infinite
Offer Strength
Great offer$140 above typical value
Show breakdown
Estimated bonus value: ~$1,260
Base score: 50
Hotel boost: +8
Ongoing hotel value (conservative): ~$354
• $590 annual credits
Airline boost: +8
Ongoing airline value (conservative, ~2 trips/yr): ~$186
• 2 free checked bags
Current $1,260 vs typical $1,120
Net value after annual fee: ~$1,105
Estimate based on our value hints; not financial advice.
Annual Fee
$695/yr
Credit Score
Excellent credit recommended (740+)
United Club Infinite
Welcome Offer
Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
United family rules
Chase United cards appear to have a 48-month per-product bonus cooldown. Cross-product bonuses are allowed.
Chase 5/24 rule
Based on widely reported data, most Chase cards appear to decline applicants who have opened 5 or more personal credit cards (from any bank) in the last 24 months.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
4x miles on United purchases
2x miles on dining, hotel, and transit
1x miles on all other purchases
10% fewer miles on United Economy award flights
Key benefits
United Club membership (45+ lounges, 1 guest + dependents)
United Club membership (45+ lounges, 1 guest + dependents)
$240 annual Instacart credit ($20/month)
$240 annual Instacart credit ($20/month)
$200 Renowned Hotels credit
$200 Renowned Hotels credit
$200 JSX flight credit
$200 JSX flight credit
$150 annual rideshare credit
$150 annual rideshare credit
2 free checked bags on United
2 free checked bags on United
Perks
United Club lounge access with guests
United Club lounge access with guests
Priority boarding on United flights
Priority boarding on United flights
1,500 PQP toward Premier status each year
1,500 PQP toward Premier status each year
No foreign transaction fees
No foreign transaction fees
Ongoing Value
Annual benefits that offset the fee year after year.
Annual Credits
$590 in statement credits per year
Free Checked Bags
2 free checked bags per flight
Priority Boarding
Priority boarding on eligible flights
United Club membership + $200 hotel credit + $150 rideshare + $240 Instacart + $200 JSX credit + 2 free checked bags + priority boarding.
Annual Fee Breakeven
Good fit for
About this card
The Chase United Club Infinite is a airline rewards card with a $695 annual fee. New cardholders can earn 90,000 miles after spending $5,000 in 90 days.
Best for
frequent travelers, frequent flyers, airport lounge access seekers
Key considerations
The $695 annual fee is premium — evaluate ongoing benefits carefully. $590 in annual credits available.
Downgrade Options
If you decide to cancel, consider product-changing to keep your account history.
Retention Offers
Reported offers when calling to cancel or downgrade. Your offer may vary.
15,000 United miles
PhoneFlyerTalk · 2025-12
$250 statement credit
PhoneReddit · 2025-09
Tip: United Club Infinite has a high fee ($695). Chase may offer statement credits or bonus miles. Mention you are considering downgrading to United Explorer.
Last updated: 2026-03. Not guaranteed.
Card analysis
Offer analysis
The current offer on the United Club Infinite awards 90,000 miles after spending $5,000 within 90 days of account opening.
Annual fee value
The $695 annual fee is largely offset by ongoing benefits including annual statement credits ($590), free checked bags (~$140/yr), with an estimated total value of ~$730 per year.
In the first year, the sign-up bonus alone delivers approximately $1,295 in net value after the annual fee and benefit credits.
Application strategy
This card is subject to Chase’s 5/24 rule. If you have opened five or more personal credit cards from any issuer in the past 24 months, your application will likely be denied regardless of your credit score. Consider whether using a 5/24 slot on this card is the best use of your limited Chase applications.
This card belongs to the united product family. Chase may restrict you from holding multiple cards in the same family or earning bonuses on related products. Review family-specific restrictions on our How It Works page before applying.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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