If you’re a frequent traveler and love the convenience of luxury perks, the United Club Infinite Card might be the perfect fit for you. This premium credit card, issued by Chase, not only rewards you with miles on your purchases but also provides exclusive benefits designed for the modern traveler. With the allure of 80,000 bonus miles as a new cardmember, you can quickly elevate your travel experience.

The United Club Infinite Card is more than just a credit card; it’s your ticket to enhanced comfort while flying. With 4x miles on United purchases and complimentary United Club membership, you’ll enjoy a plethora of advantages that make every journey memorable. Let’s dive deeper into the specifics of this card and discover how it can transform your travel experience.

Key features of the United Club Infinite Card

How does the annual fee work?

The United Club Infinite Card comes with an annual fee of $525. While this may seem steep, the benefits often outweigh the costs for frequent travelers. The fee can be paid in full at the start of your billing cycle, but Chase does offer flexible payment options.

Although this card does not feature an annual fee waiver, the perks — such as the two complimentary checked bags and the United Club membership—can easily offset the annual charge, especially for those who travel often.

How is the credit limit determined?

Determining the credit limit for the United Club Infinite Card involves a few factors. Chase typically considers your credit history, income, and overall creditworthiness when setting your limit. For conventional cards, they look at your credit score and existing debt.

However, with a secured card, your limit would usually depend on the amount you deposit. In this case, cardholders can expect a more substantial limit if they have a good credit score and a stable income.

Advantages of the United Club Infinite Card

The United Club Infinite Card offers a range of advantages that cater specifically to travelers:

• Bonus Miles: New cardholders can earn 80,000 bonus miles after spending $5,000 in the first three months. Plus, you get an additional 5,000 miles for adding an authorized user within the same time frame.
• High Earning Potential: Earn 4x miles on United purchases and 2x miles on all other travel expenses. This means that your travel expenditures will quickly accumulate miles that can be redeemed for future flights.
• United Club Membership: With this card, you gain access to United Club lounges, allowing you to relax before your flight with complimentary snacks and beverages.
• Free Checked Bags: Both you and a companion can check two standard bags for free, saving you up to $360 per roundtrip.
• Premier Access®: Enjoy priority check-in and boarding, making your travel experience smoother and more enjoyable.

A Highlighted Advantage: The Rewards Program

The rewards program stands out as a key feature of the United Club Infinite Card. With the ability to earn up to 9x miles on United flights—thanks to the combination of MileagePlus member bonuses and the card’s own benefits—this card ensures that your travel spending goes further. Additionally, the 25% back on in-flight purchases adds extra value to your journeys.

Disadvantages of the United Club Infinite Card

Despite its many advantages, the United Club Infinite Card does come with some drawbacks:

• High Annual Fee: At $525, the annual fee may be off-putting for occasional travelers.
• High-Variable APR: The interest rates range from 21.99% to 28.99%, which can accumulate quickly if balances aren’t paid off monthly.
• Qualifying for Benefits: Some benefits, such as the bonus miles, require a specific spending threshold, which may not be achievable for all cardholders.

A Notable Disadvantage: The Annual Fee

The most significant drawback for many will likely be the high annual fee. For those who do not travel frequently or prefer a card with fewer costs, this could deter them from obtaining this card. It’s important to assess your travel habits and determine if the benefits provided by the United Club Infinite Card justify the annual cost.

Who can apply for this card?

To apply for the United Club Infinite Card, you’ll need to meet specific eligibility criteria, which are crucial for ensuring a successful application:

• Age Requirement: Applicants must be at least 18 years old, as this is the minimum age for credit card applications in the United States.
• Minimum Income: While Chase does not publicly disclose a specific minimum income requirement for this card, having a higher income may enhance your chances of approval, as it demonstrates your ability to manage credit responsibly.
• Credit Score: A good to excellent credit score is typically recommended for the best approval odds. Aim for a score of 700 or higher to improve your chances of receiving the card.
• Financial Standing: Individuals with a positive financial history, including a solid track record of managing debt and no significant recent delinquencies, will have a better chance of being approved for the card.

Meeting these criteria can position you favorably when applying for the United Club Infinite Card, setting the stage for an enhanced travel experience with its premium benefits.

How to apply for the United Club Infinite Card

Applying for the United Club Infinite Card is a straightforward process that can be completed online, via the app, or in person.

Online Application

To apply online, visit the Chase website and navigate to the United Club Infinite Card section. You’ll need to fill out personal information, including your income and employment details. After submitting your application, you will typically receive a decision within minutes.

Application via the Chase App

For those who prefer mobile banking, you can also apply through the Chase app. Simply log into your account, select the United Club Infinite Card, and follow the prompts to complete your application.

In-Person at a Chase Branch

If you’d rather speak with someone face-to-face, you can visit a Chase branch. Bring identification and any financial documents that may support your application, such as proof of income.