United Club Infinite
ChaseCredit Card

United Club Infinite

Best for United lounge access

$1Kbonus$695/yrannual fee1.0x miles per $1; value varies by redemption
Sign-up bonus
$1K
See issuer terms
Annual fee
$695
Offset by $1K bonus
Purchase APR
See terms
Variable — see issuer terms
How you earn
Other purchases
1.0x miles

Points and miles redemption value varies. Bonus categories shown; caps may apply. Verify earning rates and options with the issuer before applying.

SwitchWize take

Best for frequent United flyers who would otherwise pay separately for United Club access. The value depends heavily on how often you fly United and use the lounges.

Pros & cons
What we like
  • Full United Club lounge membership included
  • First and second checked bags free for cardmember and companion
  • Premier Access priority check-in, security, and boarding
  • Strong United earning rates
Worth noting
  • High annual fee
  • Best value requires frequent United travel
  • Miles less flexible than transferable points
Perks & credits
$1,520 face value·$1,258 effective
United Club membership
Unlimited United Club lounge access for cardmember.
moderate
$750
$563 eff.
First and second checked bags free
Primary cardmember and one companion.
easy
$440
Premier Access
Priority check-in, security screening, boarding, and baggage handling.
moderate
$150
$113 eff.
Award flight discount
10,000-mile discount after $20k spend, up to twice per year.
moderate
$150
$113 eff.
Global Entry/TSA PreCheck credit
Up to $120 every 4 years; annualized value.
easy
$30

Effective value discounts hard-to-use credits (easy 100% · moderate 75% · hard 50%)

Key terms
Updated Jun 21, 2026
Purchase APR19.74%–28.24% variable
Annual fee$695

Always verify current terms at the issuer before applying. See full offer details →

United Club Infinite
Chase

United Club Infinite

$1K
sign-up bonus
$695
annual fee
$775
est. first-year value
-$395
ongoing value / yr

Based on $2,500/mo spend

Apply now

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