United Club(SM) Infinite Card

The United Club℠ Infinite Card is an airline rewards card designed for people who prefer to fly United and fly several times a year. It has an excellent signup bonus and some nice travel perks (two free checked bags), but you can only spend your points on merch, United or a Star Alliance airline, car rentals, and hotels via MileagePlus. Also, the annual fee is $525 and is hard to justify unless you fly United frequently and strongly prefer it to any other airline. We dive into the details and your approval odds in this United Infinite review.

Our Rating


Welcome Offer

Earn 80,000 bonus miles

Annual Fee


0% on Purchases


Reward Rate

1x to 4x miles

0% on Balance Transfers


Welcome Offer

Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsTap to Pay, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, PayPal
BenefitsExtended Warranty Coverage, Purchase Protection, Return Guarantees, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Free Checked Bags, Airport Lounge Access, Luggage Protection, Trip Delay Reimbursement, Trip Cancellation Insurance, TSA PreCheck & Global Entry credit


1x miles
On all other eligible purchases
Earn 1 mile per $1 spent on all other purchases.
2x miles
Earn 2 miles per $1 spent on all other travel.
2x miles
Earn 2 miles per $1 spent on all other dining.
4x miles
United Purchases
Earn 4 miles per $1 spent on United® purchases.

Interest Rates & Fees

Annual Fee$525
Foreign Transaction Fee$0
Regular APR21.99% - 28.99% (V) APR


Trip Delay Insurance

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.^^^^

Trip Cancellation and Interruption Insurance

If your trip is cancelled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.^^^^

Extended Warranty

Extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.^^^^

Return Protection

You can be reimbursed for eligible items that the store won’t take back within 90 days of purchase, up to $500 per item, $1,000 per year.

^^^^ These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.


Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.^^^^

Lost Baggage Insurance

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.^^^^

Lost Luggage Reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.^^^^

What Credit Score Is Required to Get the United Club℠ Infinite Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 746

Average Approved Credit Score: 769

App StatusDateCredit ScoreBureauCredit Limit

Pros & Cons

  • Welcome offer
  • No foreign transaction fee
  • Up to 4x miles
  • Annual fee
  • High APR
  • Requires excellent credit

What Are the Best Alternatives?

Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card



Rewards Range

2x - 10x

Annual Fee


Chase Sapphire Reserve®
Chase Sapphire Reserve®



Rewards Range

1x - 10x

Annual Fee


Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card



Rewards Range

2x - 6x points

Annual Fee


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