United Club℠ Infinite Card

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Current Offer

95,000

Bonus Miles

after you spend $5,000 on purchases in the first 3 months from account opening.

Annual Fee: $695

Terms Apply.

No Foreign Transaction Fees

How to Earn Rewards

4x

miles on United® purchases

2x

miles on dining and all other travel

1x

mile on all other purchases

Benefits

United ClubSM membership - at least a $750 value

Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services

Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit.

25% back as a statement credit on inflight purchases when flying United

Card is made of metal

Our Take

The New United Club℠ Card offers exceptional value for United Airlines loyalists, featuring a robust rewards structure that earns 4X miles on United purchases, 2X miles on all other travel and dining (including eligible delivery services), and 1X miles on everything else. The card’s premium travel benefits include free first and second checked bags for both the primary cardholder and a companion on the same reservation, a statement credit for Global Entry/TSA PreCheck application fees, and 25% back as a statement credit on inflight purchases when flying United. These perks provide significant value for frequent United travelers.

The card’s standout feature is its complimentary annual United Club membership, which carries an equivalent value of $650—immediately offsetting the card’s annual fee. While this represents the highest annual fee among personal United co-branded credit cards, the combination of lounge access and premium travel benefits delivers exceptional value for United loyalists who can utilize these perks to their full potential. For travelers who regularly fly United and value airport lounge access, the United Club Card represents a compelling premium travel card option despite its higher annual fee.