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Chase and United launched a new premium airline credit card: the United Club℠ Infinite Card. Along with offering a number of travel benefits, such as free checked bags and United Club membership, the card lets new card members $0 intro annual fee, then $525
United miles can be redeemed for travel, merchandise, gift cards, experiences, charitable donations and more.
The United Club℠ Infinite Card comes with a hefty annual fee of $0 intro annual fee, then $525. However, the value you can get from the card’s premium benefits can help offset that amount each year.
We’ll break down the pros and cons of the United Club℠ Infinite Card, and show how it compares to the Chase Sapphire Reserve®.
- United Club℠ Infinite Card pros
- Additional United Club℠ Infinite Card benefits
- United Club℠ Infinite Card cons
- Compare it to the Chase Sapphire Reserve®
- Which credit card is best for me?
United Club℠ Infinite Card pros
Sign-up bonus. Cardholders $0 intro annual fee, then $525
For some context as to what the current sign-up bonus can get you, we found a roundtrip economy airline ticket from New York to London for just 60,000 United miles during August 2020.
Rewards rate. Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.
Free checked bags. As the primary cardholder, you and one companion traveling on the same reservation will each receive their first and second checked bags for free — for a savings of up to $320 per round trip.
United Club membership. The United Club℠ Infinite Card offers the primary cardholder and an eligible traveling companion access to the more than 45 United Club locations and participating Star Alliance lounges across the globe. According to United, this benefit is valued at up to $650 per year.
Additional United Club℠ Infinite Cardbenefits
- Global Entry or TSA Precheck fee credit of up to $100
- Premier Access travel services, including priority check-in, security screening, boarding and baggage handling
- 25% back on United in-flight purchases
- Access to the Hertz Gold Plus Rewards program’s President’s Circle tier, upon enrollment
- Visa Infinite® Concierge Service
- Benefits from the Luxury Hotel & Resort Collection
- Trip cancellation / trip interruption insurance, up to $10,000 per person and $20,000 per trip
- Baggage delay insurance, up to $100 per day for three days
- Trip delay reimbursement, up to $500 per ticket
- Purchase protection, up to $10,000 per claim and $50,000 per year
- Extended warranty protection
United Club℠ Infinite Card cons
Annual fee. The United Club℠ Infinite Card comes with an expensive annual fee of $0 intro annual fee, then $525. That said, if you take advantage of the card’s benefits, you could squeeze enough value from the card to cover the annual fee.
No intro APR. If you’re planning to finance a vacation or other large purchases, this card is not ideal, since it doesn’t offer an introductory APR on purchases. If you do carry a balance, you will be subject to interest charges of 16.49% - 23.49% variable APR.
Compare it to the Chase Sapphire Reserve®
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. From 6/1/20 through 6/30/21, gas station & grocery store purchases will also count towards earning your Travel Credit
- 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
- Earn 3x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Includes eligible pick-up and delivery services
See additional details for Chase Sapphire Reserve®
If you want to earn valuable travel rewards and take advantage of premium benefits, but you’re not a United Airlines loyalist, you may want to consider the Chase Sapphire Reserve®.
The Chase Sapphire Reserve® offers a lucrative sign-up bonus that’s worth $500 when redeemed for cash and gift cards, and $750 when redeemed for travel through Chase Ultimate Rewards.
You can also transfer points at a rate of 1:1 to several airline and hotel loyalty programs, including United MileagePlus, British Airways Executive Club, Flying Blue Air France KLM, JetBlue TrueBlue, Virgin Atlantic Flying Club, World of Hyatt and Marriott Bonvoy.
Here’s how the two cards compare:
United Club℠ Infinite Card vs. Chase Sapphire Reserve®
|United Club℠ Infinite Card||Chase Sapphire Reserve®|
|Annual fee||$0 intro annual fee, then $525||$550|
|Sign-up bonus||$0 intro annual fee, then $525||Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.|
|Rewards rate||Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.||3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases.|
|Intro APR on purchases||N/A||N/A|
|Regular purchase APR||16.49% - 23.49% Variable||16.99%-23.99% Variable|
|Foreign transaction fees||$0||$0|
Like the United Club℠ Infinite Card, the Chase Sapphire Reserve® offers an elevated rewards rate on travel and dining at restaurants. The card also comes with several travel benefits common to premium travel credit cards: a Global Entry/TSA Precheck credit, complimentary airport lounge access, trip cancellation/interruption insurance, auto rental collision damage waiver, lost luggage reimbursement and trip delay reimbursement.
Plus, the Chase Sapphire Reserve® offers up to $300 in statement credits each account anniversary as reimbursement for travel purchases that are charged to your card.
Which card is best for you?
If you frequently fly on United Airlines, the United Club℠ Infinite Card offers a great opportunity to earn a large amount of points in a short period of time — which can be redeemed for flights, hotel stays, rental cars and more. But if you’re not partial to United Airlines, a card like the Chase Sapphire Reserve®, that allows you to transfer points to several popular airlines (including United) and hotel partners, may be a better fit.
Or, if you want to earn United miles, but don’t want to pay a steep annual fee of $0 intro annual fee, then $525, you may want to consider the United℠ Explorer Card.
With an annual fee of $0 intro for the first year, then $95, the United℠ Explorer Card allows you to earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open Cardholders also earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from united. 1 mile per $1 spent on all other purchases
The information related to the United Club℠ Infinite Card has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.