United Club℠ Infinite from Chase Review

All benefits

• Miles
  • 4x On purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.
  • 2x On all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.
  • 2x On dining including eligible delivery services.
  • 1x On all other purchases.
• Travel
  • Free first and second checked bags:
  • The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card.
  • Premier Access® travel services:
  • Receive preferential treatment to ease your way through the airport with priority check-in, security screening (where available), boarding and baggage handling privileges.
  • $100 Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry or TSA PreCheck® when charged to your card.
  • $70 The primary Cardmember will receive a $70 discount on the $179 CLEAR® annual membership and 10,000 bonus miles for a new CLEAR subscription. To receive the 10,000 miles sign-up bonus, you must sign up for CLEAR membership before June 30, 2022.
  • 25% back on United inflight purchases:
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United®-operated flights when you pay with your United Club℠ Infinite Card.
  • Premier upgrades on award tickets:
  • The primary Cardmember who has MileagePlus® Premier® status and is traveling on an award ticket and one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
  • IHG Rewards Platinum Elite status:
  • The primary Cardmember is eligible for Platinum Elite status in IHG Rewards (enhance your stay with complimentary room upgrades and extended check-out as available, earn points towards free nights and elite points that never expire). Plus, receive up to $75 in statement credits as reimbursement for IHG® Hotels and Resorts purchases charged to your card from January 1, 2022, through December 31, 2022.
  • No foreign transaction fees:
  • Purchases made with your Club Card outside the U.S. will not be subject to foreign transaction fees. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.
  • The Luxury Hotel & Resort Collection:
  • This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available.
  • United Card Events from Chase and United MileagePlus Events:
  • As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family. United MileagePlus® Visa Signature® Cardmembers may also use award miles to enjoy exclusive experiences, such as winemaker dinners and other unique virtual events.
  • Avis President's Club:
  • The primary Cardmember of the United Club℠ Card is invited to enroll in Avis President's Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more.
  • Trip Cancellation/Trip Interruption Insurance:
  • If your trip is canceled 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.
  • 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.
  • Trip Delay Reimbursement:
  • 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.
  • Visa Infinite® Concierge Services:
  • Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.
  • Auto Rental Collision Damage Waiver:
  • Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 21.99% - 28.99% Variable
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • 21.99% - 28.99% Variable
• APR for Cash Advances
  • 29.99% Variable
• How to Avoid Paying Interest
  • Your due date will be a minimum of 21 days after the close of each billing cycle. You will not be charged interest on new purchases if you pay your entire balance or Interest Saving Balance by the due date each month. You will be charged interest on balance transfers and cash advances on the transaction date.

Fees

Pros & Cons

Features

• No foreign transaction fees
• Payment Flexibility
• Fraud Protection
• Rewards
• Purchase Protection
• Extended Warranty Protection
• Travel
• Airline
• Lost Luggage Reimbursement
• Baggage Delay Insurance
• Trip Cancellation
• Auto Rental Insurance
• Good Credit
• Excellent Credit