A Complete Guide to the United Club℠ Infinite Card

The United Club℠ Infinite Card, issued by Chase, is a premium travel credit card best suited for frequent flyers of United Airlines. It offers extensive benefits including United Club membership, generous travel credits, and enhanced earning potential on United purchases. This guide explores the key features, benefits, and the application process of the United Club℠ Infinite Card to help potential cardholders understand if it’s the right choice for their travel needs.

Key Features of the United Club℠ Infinite Card

1. Annual Fee: $525
2. Sign-Up Bonus: Earn 100,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.
3. Earnings:
   • 4 miles per $1 spent on United purchases.
   • 2 miles per $1 spent on all other travel and dining.
   • 1 mile per $1 spent on all other purchases.
4. United Club Membership: Complimentary membership to United Club and Star Alliance affiliated lounges worldwide.
5. Travel Credits and Benefits:
   • Up to $100 as a statement credit for Global Entry, TSA PreCheck, or NEXUS every four years.
   • First and second checked bags free for the primary cardholder and one companion on the same reservation when flying United.
   • Premier Access travel services, which include priority check-in, security screening (where available), boarding, and baggage handling.
   • 25% back on United in-flight purchases.

Additional Travel Protections

• Trip Cancellation/Interruption Insurance: Reimbursement up to $10,000 per person and $20,000 per trip for pre-paid, non-refundable travel expenses.
• Baggage Delay Insurance: Coverage for essentials if bags are delayed over six hours, up to $100 a day for three days.
• Lost Luggage Reimbursement: Up to $3,000 per passenger.
• Trip Delay Reimbursement: Up to $500 per ticket for delays of more than 12 hours or requiring an overnight stay.
• Auto Rental Collision Damage Waiver: Primary coverage for theft and collision damage for most rentals in the U.S. and abroad.

Eligibility and Application Process

To apply for the United Club℠ Infinite Card, applicants should meet the following criteria:

1. Credit Score: Good to Excellent (typically 690-850).
2. United MileagePlus Membership: Must be a member of United’s MileagePlus program, which is free to join.
3. Chase’s 5/24 Rule: Typically, Chase will not approve new credit card applications for individuals who have opened five or more personal credit cards across all banks in the last 24 months.

Step-by-Step Application Process

1. Visit Chase’s Website: The application for the United Club℠ Infinite Card can be started directly on Chase’s official website.
2. Log In or Apply as a Guest: If you already have a Chase account, logging in can pre-fill some of your application information.
3. Complete the Application Form: Provide necessary details such as your full name, address, income, employment details, and social security number.
4. Review Terms and Conditions: Before submitting, carefully review all the terms related to fees, interest rates, and reward structures.
5. Submit Application: After checking all the details, submit the application.
6. Await Approval: Approval could be instantaneous, or it may take a few days. Chase may contact you for more information if needed.

How to Maximize the Benefits of the United Club℠ Infinite Card

• Utilize Club Access: Make full use of United Club lounge access to enhance your travel experience. Lounges offer amenities such as Wi-Fi, complimentary snacks, and comfortable seating.
• Leverage the Sign-Up Bonus: Meet the initial spending requirement to earn the 100,000 bonus miles, which can be redeemed for several international round-trip flights.
• Use for Everyday Spending: Using the card for all travel, dining, and regular purchases will maximize mile earnings.
• Understand Travel Protections: Familiarize yourself with the travel protection benefits so you can utilize them when needed during your travels.

Conclusion

The United Club℠ Infinite Card is a premium travel card that offers significant value to frequent travelers, especially those who prefer flying with United Airlines. The card’s robust benefits, such as lounge access, elevated mile earnings, and comprehensive travel protections, justify its annual fee for the right user. As with any credit card, applicants should consider their personal spending habits, travel goals, and financial situation to ensure that the benefits outweigh the costs.

Before applying, ensure you meet the eligibility requirements and have a plan to take full advantage of the card’s offerings to improve your travel experiences and earn rewards effectively.