United ClubSM Infinite Card: Everything You Need to Know

The United ClubSM Infinite Card is a premium credit card designed for frequent travelers, offering a host of benefits and perks that enhance the travel experience. Whether you’re a seasoned traveler or someone who takes occasional trips, this card could be an ideal choice if you want to maximize rewards and enjoy exclusive services. In this detailed guide, we’ll explore all the important features of the United ClubSM Infinite Card, including its benefits, fees, rewards program, and how to apply for it.

What is the United ClubSM Infinite Card?

The United ClubSM Infinite Card is a premium travel credit card issued by Chase in partnership with United Airlines. It offers a wide array of travel-related benefits, including access to United Club lounges, generous miles rewards on every purchase, and special privileges when flying with United Airlines. The card is designed for those who want to elevate their travel experience, offering both luxury and practicality.

Key Benefits of the United ClubSM Infinite Card

1. United Club Lounge Access
   One of the standout features of the United ClubSM Infinite Card is the complimentary access to United Club lounges. Cardholders can relax in these exclusive lounges before flights, enjoying amenities such as comfortable seating, food and beverages, free Wi-Fi, and workspaces. Lounge access extends to the cardholder and one guest, which can be a significant perk for travelers who want to avoid crowded terminals.
2. Earn MileagePlus Miles
   Cardholders earn United MileagePlus miles for every purchase made with the United ClubSM Infinite Card. Here’s how the earning structure works:
   • 2 miles per $1 spent on United purchases, such as flight tickets, seat upgrades, and onboard purchases.
   • 2 miles per $1 spent at restaurants and on select streaming services.
   • 1 mile per $1 spent on all other purchases.
   These miles accumulate quickly and can be redeemed for flights, seat upgrades, hotel stays, and other travel-related expenses through the MileagePlus program.
3. MileagePlus Premier Access
   As a cardholder, you also receive MileagePlus Premier Access, which includes benefits like priority check-in, security screening, and boarding. This helps you save time and streamline your travel experience, especially during peak travel times.
4. Annual Travel Credit
   The United ClubSM Infinite Card offers an annual travel credit, which helps offset some of the costs associated with travel. This credit can be used for various travel-related purchases, including flight tickets, baggage fees, and more.
5. Global Entry or TSA PreCheck Fee Credit
   The card provides a statement credit to cover the application fee for Global Entry or TSA PreCheck, two programs that expedite security screenings at airports. This benefit can be particularly valuable for frequent flyers, as it saves time and provides a smoother travel experience.
6. Bonus Miles
   New cardholders can earn a generous sign-up bonus in the form of MileagePlus miles after meeting a specified spending requirement within the first few months of account opening. This bonus can be a great way to jumpstart your miles balance and redeem rewards faster.
7. Travel and Purchase Protection
   The United ClubSM Infinite Card comes with a range of protections for travel and purchases. These include:
   • Trip cancellation/interruption insurance
   • Baggage delay insurance
   • Lost luggage reimbursement
   • Travel accident insurance
   • Purchase protection
   • Extended warranty protection
   These protections provide peace of mind when traveling or shopping, ensuring that you’re covered in case of unexpected issues.
8. No Foreign Transaction Fees
   The card doesn’t charge foreign transaction fees, which is a significant benefit for those who travel internationally. This means you can use your card abroad without incurring additional costs, making it a great option for globetrotters.
9. Exclusive Concierge Service
   Cardholders also have access to a 24/7 concierge service that can assist with a wide range of needs, such as booking travel, securing restaurant reservations, or finding tickets to exclusive events.
10. Enhanced Benefits with MileagePlus Premier Status
    If you achieve MileagePlus Premier status, you can unlock even more perks, such as additional miles on United purchases, extra baggage allowance, and priority service.

Fees and Annual Charges

While the United ClubSM Infinite Card offers a range of valuable benefits, it comes with an annual fee. Currently, the annual fee for this card is $525, which is relatively high compared to many other credit cards. However, the extensive benefits, particularly the United Club lounge access and mileage rewards, can easily offset the cost for frequent travelers.

In addition to the annual fee, cardholders may incur costs for foreign currency conversions (if not using a foreign currency account) and for additional services, such as requesting new cards or accessing concierge services beyond a certain limit.

How to Apply for the United ClubSM Infinite Card

Applying for the United ClubSM Infinite Card is a straightforward process, but it’s important to ensure you meet the eligibility criteria before applying. Here’s a step-by-step guide on how to apply:

1. Check Your Credit Score
   The United ClubSM Infinite Card is a premium credit card, so applicants typically need a good to excellent credit score (700 or higher). If your credit score falls below this range, you may want to consider improving it before applying.
2. Review the Card’s Terms and Fees
   Make sure you understand the annual fee, interest rates, and other terms associated with the card. Given the premium benefits, the annual fee may be worthwhile for frequent travelers, but it’s important to evaluate if the benefits will align with your spending habits.
3. Visit the Chase Website
   You can apply for the United ClubSM Infinite Card online by visiting Chase’s official website. There, you will find the option to apply, as well as detailed information about the card’s benefits and terms.
4. Provide Your Personal and Financial Information
   When applying, you’ll need to provide your personal details, including your name, address, and social security number. You’ll also be required to submit financial information, such as your income, employment details, and monthly expenses.
5. Wait for Approval
   After submitting your application, Chase will review your details and decide whether to approve or deny your application. You may receive an immediate decision or be asked to provide additional information. If approved, your card will be mailed to you.
6. Activate Your Card
   Once you receive your United ClubSM Infinite Card, follow the instructions provided to activate it. After activation, you can start enjoying the benefits right away.

Conclusion

The United ClubSM Infinite Card is an excellent option for frequent travelers who want to elevate their travel experience with exclusive benefits, such as lounge access, mileage rewards, and priority boarding. While the card comes with a high annual fee, the extensive perks, particularly for those who fly frequently with United Airlines, can easily justify the cost. If you meet the eligibility criteria, applying for the United ClubSM Infinite Card could be a smart move to enhance your travel lifestyle.

Before applying, make sure to carefully review the card’s terms, benefits, and fees to ensure it aligns with your travel habits and financial situation. If you’re ready to take your travel experience to the next level, the United ClubSM Infinite Card is an excellent choice.