If you are a loyal United Airlines traveler who frequently spends a substantial amount of money with the airline each year, the United Club Infinite Card might be the perfect addition to your wallet. This premier credit card not only offers exceptional benefits but also provides access to United lounges, making your travel experiences more enjoyable and rewarding. In this comprehensive review, we will delve into the key features and advantages of the United Club Infinite Card, explaining why it stands out from other cobranded airline credit cards.
The United Club Infinite Card Overview
The United Club Infinite Card is widely regarded as the ultimate card for United Lounge access, setting itself apart from the competition. If you are a dedicated United flyer, this card is designed to cater to your needs and enhance your travel experiences. As a testament to its appeal, the card boasts an impressive 80,000 bonus miles welcome offer, making it an opportune time to apply. Our rating for the United Club Infinite Card is solid ⭐⭐⭐.
One concern with premium credit cards is their annual fees. The United Club Infinite Card may initially seem steep with a $525 annual fee. However, this fee becomes justified once you factor in the value of the United Club membership that comes bundled with the card. A standalone United Club membership would typically cost non-elite members $650 per year, making this perk alone highly valuable for frequent flyers.
Moreover, the United Club Infinite Card sets a new standard with its rewards program, offering an impressive 4 points per dollar on United purchases. This elevated earning rate for airline purchases surpasses many other airline credit cards, allowing you to accumulate miles more rapidly and efficiently.
Welcome Offer and Mileage Redemption
For those who appreciate the value of miles, the welcome offer for the United Club Infinite Card is highly enticing. New cardholders can earn a substantial 80,000 United MileagePlus Miles and 1,000 Premier qualifying points (PQP) after spending $5,000 on qualifying purchases within the first three months of account opening. Valuing United miles at approximately 1.1 cents per mile, this offer alone is worth a solid $880 toward air travel.
When it comes to redeeming miles, United offers various opportunities for value, including the United Excursionist Perk and partner award bookings. While United no longer publishes an award chart, there are still ways to find excellent redemption rates and take advantage of partner awards without worrying about fuel surcharges.
Earning Miles with the United Club Infinite Card
One of the standout features of the United Club Infinite Card is its exceptional earning rates, differentiating it from other cobranded airline credit cards. Cardholders can enjoy the following accrual rates:
- 4 miles per dollar on United purchases
- 2 miles per dollar on all other travel
- 2 miles per dollar on dining purchases
- 1 mile per dollar on all other purchases
This translates to a remarkable 4.4% return on United spending, significantly higher than what most other airline credit cards offer. However, it's essential to note that travel and dining categories are broadly defined, similar to other Chase Ultimate Rewards credit cards. If you already possess the Chase Sapphire Reserve or Chase Sapphire Preferred Card, you might want to utilize those cards for general travel and dining expenses to maximize your rewards.
Benefits of the United Club Infinite Card
Beyond lounge access and rewarding earning rates, the United Club Infinite Card comes with an array of impressive benefits:
United Club Membership
The card's pinnacle perk is undoubtedly the United Club membership, granting access to United Clubs and select Star Alliance lounges when flying United or its partner airlines. This membership extends to up to two adult companions or one adult and any dependent children under the age of 21. Considering the annual cost of this benefit can reach up to $650, it effortlessly justifies the card's $525 annual fee.
Global Entry/TSA PreCheck Application Fee Credit
The United Club Infinite Card further enhances your travel convenience by refunding the application fee (up to $100) for Global Entry or TSA PreCheck once every four years. Even if you already possess these benefits, you can gift this perk to a family member or friend.
IHG Platinum Status and $75 Credit
As an eligible cardholder, you will enjoy complimentary Platinum Elite status with IHG Rewards, entitling you to various perks such as room upgrades, extended checkout, and bonus points on stays. Additionally, you will receive a $75 statement credit for IHG Hotels & Resorts purchases charged to the card annually, through Dec. 31.
Elite-Like Perks
The United Club Infinite Card impressively mirrors many travel perks and protections of the United Club Card. Cardholders receive two free checked bags, Premier Access, 25% back on United inflight purchases, expanded award availability, and more. These benefits are particularly valuable for travelers who have not yet earned United elite status.
10% Mileage Discount
A unique benefit for United Club Infinite cardmembers is the ability to book economy Saver Awards on United flights within the continental U.S. and Canada for 10% fewer miles than those available to the general public. This advantageous perk complements the access to expanded award availability for all United Cobranded cardholders.
Elite Status Spending Shortcut
The United Club Infinite Card presents a path to earning up to 4,000 Premier qualifying points (PQPs) per calendar year. Cardholders earn 500 PQPs for every $12,000 spent on the card, making it possible to earn elite status with significant spending.
Travel and Purchase Protections
Cardholders can rest easy knowing that they are protected during their travels with benefits such as trip cancellation/trip interruption insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, purchase protection, extended warranty protection, and return protection.
Baggage Delay Insurance
One of the most frustrating experiences while traveling is a delayed baggage arrival. With Baggage Delay Insurance, the United Club Visa Infinite Card has you covered. If your baggage is delayed for more than six hours by the carrier, you can be reimbursed for essential purchases like toiletries and clothing, up to $100 per day for three days. This coverage ensures that you can purchase the necessities you need while waiting for your bags to arrive.
Lost Luggage Reimbursement
No one wants to imagine their luggage getting damaged or lost during a trip. However, it's better to be prepared. With the Lost Luggage Reimbursement benefit, the United Club Card provides coverage of up to $3,000 per passenger for damaged or lost luggage by the carrier. This protection ensures that you can be compensated for the inconvenience and replacement of your belongings.
Trip Delay Reimbursement
Travel delays can disrupt your plans and lead to unexpected expenses. With the Trip Delay Reimbursement benefit, you and your family are covered for unreimbursed expenses incurred due to a delayed common carrier travel. If your travel is delayed for more than 12 hours or requires an overnight stay, you can be reimbursed for expenses such as meals and lodging, up to $500 per ticket.
Trip Cancellation/Interruption Insurance
Life is unpredictable, and sometimes travel plans need to be canceled or cut short due to unforeseen circumstances. The United Club Visa Infinite Card offers Trip Cancellation/Interruption Insurance, providing reimbursement of up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses made with the card. Covered situations include sickness, severe weather, and other eligible reasons.
Emergency Evacuation and Transportation
Being far from home during a medical emergency can be challenging. With Emergency Evacuation and Transportation coverage, the United Club Card provides assistance in such situations. If you or a family member experience a medical emergency during a trip, this benefit covers medical services and transportation to get you back home safely.
Travel Accident Insurance
When you pay for your air, bus, train, or cruise transportation with the United Club Visa Infinite Card, you become eligible for travel accident insurance. This coverage offers accidental death or dismemberment benefits of up to $500,000, providing financial protection and security during your travels.
Travel and Emergency Assistance Services
In times of trouble away from home, it's reassuring to know that help is just a phone call away. The United Club Card offers Travel and Emergency Assistance Services, where you can call 1-800-419-8027 for legal and medical referrals or other travel and emergency assistance. While you are responsible for the cost of any goods or services obtained, having access to assistance services can be invaluable during travel emergencies.
Auto Rental Collision Damage Waiver
Renting a car is a common practice for travelers exploring new destinations. With the Auto Rental Collision Damage Waiver benefit, you can decline the rental company's collision insurance and charge the entire rental cost to your United Club Card. This primary coverage 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.
Rental Car Privileges
For those who frequently rent cars, the United Club Infinite Card offers a complimentary Avis President's Club membership, which usually requires an invitation to join. This exclusive membership offers perks such as complimentary upgrades and expedited rental service.
Competing Cards
While the United Club Infinite Card boasts an array of advantages, it's essential to consider other options that might better align with your specific preferences:
United Explorer Card
If you are looking for a lower annual fee, the United Explorer Card is an excellent choice. Packed with premium perks, including up to $100 Global Entry or TSA PreCheck application fee statement credit, two annual one-time lounge passes, and free checked bags, this card justifies its modest $95 annual fee (waived for the first year).
Chase Sapphire Preferred Card
For a more versatile card with a broader range of rewards, the Chase Sapphire Preferred Card offers 5 points per dollar on travel booked through the Chase travel portal and Lyft purchases, 3 points per dollar on dining, select streaming services, and online grocery store purchases, 2 points per dollar on all other travel, and 1 point per dollar on everything else.
The Platinum Card® from American Express
For those seeking a wealth of perks and benefits, The Platinum Card® from American Express is an excellent option. Cardmembers earn valuable Membership Rewards points, receive up to $1,500 in annual statement credits, and access an extensive network of airport lounges worldwide.
Strengths and Weaknesses:
Strengths:
- Unparalleled Lounge Access: The United Club Infinite Card stands out for its exclusive access to United Clubs and select Star Alliance lounges, elevating the travel experience for cardholders.
- Generous Welcome Offer: With a welcome offer of 80,000 bonus miles and 1,000 Premier qualifying points (PQP) after spending $5,000 on qualifying purchases within the first three months, the card entices frequent travelers with significant rewards.
- High Earning Potential: Cardholders enjoy an impressive 4 miles per dollar on United purchases, making it one of the most rewarding airline credit cards in the market.
- Valuable Elite-Like Perks: The United Club Infinite Card offers an array of elite-like benefits, including Global Entry/TSA PreCheck application fee credit, IHG Platinum status, and a $75 credit for IHG Hotels & Resorts purchases.
Weaknesses:
- High Annual Fee: While the card's $525 annual fee is justified by the United Club membership, it may still deter potential applicants looking for lower-cost options.
- Restricted Sign-Up Bonuses: Cardholders are limited to one sign-up bonus every 24 months, potentially discouraging those who seek multiple sign-up rewards.
- Chase's 5/24 Rule: The card's eligibility is subject to Chase's 5/24 rule, which may hinder approval for applicants with multiple recent credit card accounts.
FAQs
Who Should Consider the United Club Infinite Card?
The United Club Infinite Card is a must-have for loyal United Airlines flyers who frequently spend a significant amount with the airline. This premium credit card offers exclusive benefits that enhance travel experiences and provide exceptional value for dedicated United customers.
What Makes the United Club Infinite Card Stand Out?
The United Club Infinite Card distinguishes itself from other cobranded airline credit cards with its unparalleled access to United lounges and a generous welcome offer of 80,000 bonus miles and 1,000 Premier qualifying points (PQP) after spending $5,000 on qualifying purchases in the first three months of account opening. This exceptional offer, valued at approximately $880 toward air travel, makes the card a compelling choice for frequent travelers.
Can I share my United Club Infinite Card benefits with family members or friends?
Unfortunately, United Club Infinite Card benefits, including lounge access, are non-transferable and can only be utilized by the primary cardmember. However, eligible family members traveling with the primary cardholder can enjoy access to United Club lounges when flying on the same reservation.
Are there any foreign transaction fees associated with the United Club Infinite Card?
No, there are no foreign transaction fees when using the United Club Infinite Card for purchases made outside of the United States. Cardmembers can confidently use their card while traveling internationally without incurring any additional fees.
How do I apply for Global Entry or TSA PreCheck with the United Club Infinite Card?
As a card member, you are eligible to receive a credit for either the Global Entry or TSA PreCheck application fee. Simply use your United Club Infinite Card to pay for the application fee, and you'll receive a statement credit for the amount.
Are there any blackout dates when redeeming MileagePlus miles for flights?
Unlike some other loyalty programs, MileagePlus does not impose blackout dates for award flight redemption. However, award availability may vary based on travel dates, routes, and seat availability. It's advisable to plan and book your award flights in advance to secure your preferred itinerary.
Can I upgrade my seat using MileagePlus miles with the United Club Infinite Card?
Yes, as a card member, you have the option to use MileagePlus miles to upgrade your seat on eligible United-operated flights. Upgrade availability is subject to the airline's policies and the fare class of your original ticket.
Does the United Club Visa Infinite Card provide coverage for medical emergencies while traveling?
Yes, the United Club Visa Infinite Card offers Emergency Evacuation and Transportation coverage. If you or a member of your immediate family are injured or become sick during a trip far from home, resulting in the need for an emergency evacuation, the card can cover medical services and transportation. This benefit ensures you receive the necessary medical attention and transport back home safely.
How do I claim reimbursement for baggage delay expenses with the card?
If your baggage is delayed for more than six hours by the carrier, you can claim reimbursement for essential purchases like toiletries and clothing through the Baggage Delay Insurance benefit. Simply keep the receipts for the eligible expenses incurred during the baggage delay, and you can submit a claim to receive reimbursement up to $100 per day for three days.
Can I use the card’s travel protection benefits for business travel?
Yes, the travel protection benefits offered by the United Club Visa Infinite Card are not limited to leisure travel only. Whether you are traveling for business or pleasure, the card's protection benefits, such as Trip Delay Reimbursement and Trip Cancellation/Interruption Insurance, can provide coverage for unexpected travel disruptions and expenses.
What kind of travel delays are covered under the Trip Delay Reimbursement?
The Trip Delay Reimbursement benefit covers delays in common carrier travel (e.g., flights, trains, buses) for more than 12 hours or delays that require an overnight stay. If you incur unreimbursed expenses during the delay, such as meals and lodging, the United Club Card can provide coverage up to $500 per ticket.
Is there a limit on the number of trips covered under the Trip Cancellation/Interruption Insurance?
There is no limit on the number of trips covered under the Trip Cancellation/Interruption Insurance benefit. As long as you have made pre-paid, non-refundable travel expenses with your United Club Card, you can be reimbursed up to $10,000 per person and $20,000 per trip for covered situations that lead to trip cancellations or interruptions, such as sickness or severe weather.
Does the Lost Luggage Reimbursement cover both checked and carry-on luggage?
Yes, the Lost Luggage Reimbursement benefit covers both checked and carry-on luggage that is damaged or lost by the carrier. If you or an immediate family member experiences luggage damage or loss during your journey, you can be covered up to $3,000 per passenger for replacement or reimbursement of the belongings.
Are there any exclusions for the Auto Rental Collision Damage Waiver?
While the Auto Rental Collision Damage Waiver is a valuable benefit, it is essential to be aware of some exclusions. For instance, certain luxury or exotic rental cars may not be covered under this benefit. It is best to review the specific terms and conditions of the Auto Rental Collision Damage Waiver to understand its coverage limitations.
How do I report fraudulent activities on my United Club Visa Infinite Card?
If you suspect any unauthorized transactions or fraudulent activities on your United Club Visa Infinite Card, it is crucial to report them immediately. Contact the card's issuer using the phone number provided on the back of the card or the official customer service number. Prompt reporting helps protect your account and facilitates the investigation and resolution of any fraudulent charges.
Can I earn rewards on everyday purchases with the card?
Yes, in addition to the robust travel protection benefits, the United Club Visa Infinite Card offers rewards on everyday purchases. You can earn valuable reward points on eligible purchases, which can be redeemed for cash back, travel rewards, or other options, depending on the card's reward program.
In Conclusion
In conclusion, the United Club Infinite Card stands as an exceptional option for loyal United flyers who value lounge access, premium perks, and a generous rewards program. Its welcome offer of 80,000 United MileagePlus Miles and 1,000 Premier Qualifying Points after spending $5,000 on qualifying purchases in the first three months of opening an account makes it a compelling choice for frequent travelers.
The card's earning rates, especially the impressive 4 miles per dollar on United purchases, make it one of the most rewarding airline credit cards on the market. Additionally, the array of benefits, including United Club membership, Global Entry/TSA PreCheck application fee credit, and elite-like perks, further enhances the card's value proposition.
While the United Club Infinite Card is undoubtedly appealing, it's crucial to consider other cards that might better suit your travel preferences and spending habits. Ultimately, your choice will depend on the benefits that align most closely with your unique travel needs and desires.
Make an informed decision and seize the opportunity to embark on a rewarding journey with the United Club Infinite Card. With the impressive welcome offer and the potential to earn and redeem miles for unforgettable travel experiences, it's time to elevate your United Airlines journey to new heights.
Please note that the information provided in this article is accurate as of the publication date and may be subject to change. Always review the latest terms and conditions before applying for any credit card.
1 thought on “United Club Infinite Card 2023: The Ultimate Companion for Loyal United Flyers”