Fee Reality Check
Premium cards advertise thousands of dollars in credits. Most cardholders don’t redeem most of them. This tool friction-scores every credit on a card — enrollment, cadence, merchant lock, redemption channel — to estimate what a typical cardholder actually realizes, then nets that against the annual fee.
Every figure here is a modeled estimate, not a guarantee of what you personally will redeem. See the methodology.
United ClubSM Infinite Card
On our friction model, this card's fee outruns what a typical cardholder realizes from its credits by about $364 a year.
Friction model only — no survey or disclosure data behind these numbers yet.
Credit-by-credit breakdown
| Credit | Face value | Est. utilization | Realized |
|---|---|---|---|
| Instacart Credits (through 2027-12-31) | $240 | 10% | $24 |
| Renowned Hotels & Resorts Credit | $200 | 35% | $70 |
| JSX Flight Credit | $200 | 75% | $150 |
| Rideshare Credit | $150 | 35% | $53 |
| Avis/Budget Car Rental Credit | $100 | 35% | $35 |
Utilization estimates are Tier D (structural friction model) for every credit shown — see the full rubric and evidence tiers.
See how this card compares against other premium options.
Compare premium cards →Frequently asked questions
What does the Fee Reality figure actually mean?
It is the annual fee minus what we estimate a typical cardholder realizes from the card's statement credits and perks in a year, using a friction-scored utilization model rather than assuming every credit gets used at full value.
Is this the same as the "up to $X in credits" issuers advertise?
No. That figure is the sum of every credit's face value assuming perfect redemption. Ours discounts each credit by how much friction stands between you and actually using it — enrollment steps, use-it-or-lose-it cadence, merchant lock-in, and redemption channel.
Why is every card graded confidence C?
Because every utilization estimate today comes from our structural friction model, not a real redemption survey or issuer disclosure. See the methodology page for the full evidence-tier ladder.
Full rubric, evidence tiers, and confidence grading: Fee Reality methodology