Chase · Visa Infinite · Personal
United Club
A $695-a-year card earning United MileagePlus: 5× on Hotels (Portal), 1× on everything else.
- Annual fee
- $695Charged every year
- Signup bonus
- 90,000 ≈ $1,110 in travel (our estimate)*
- Top rate
- 5×Hotels (Portal)
- Point value
- 1.23¢ In travel · 1.23¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 90,000 points | $1,110 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$695 | −$695 |
| NetYear one includes the bonus · at your inputs · our estimates* | $415 | −$695 |
Bonus terms: Earn up to 90,000 bonus miles: 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open. Plus, earn 10,000 bonus miles after you add an authorized user to your account in the first 3 months your account is open.
Earning structure
13 categories, 4 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Hotels (Portal) Notes5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts for United Cardmembers. | 5× | $6.17 | |
| Airfare (Portal) | 4× | $4.93 | |
| Airfare | 2× | $2.47 | |
| Car Rentals | 2× | $2.47 | |
Car Rentals (Portal) NotesPortal not required | 2× | $2.47 | |
| Cruises | 2× | $2.47 | |
| Dining | 2× | $2.47 | |
| Hotels | 2× | $2.47 | |
Hotels (Portal) NotesPortal not required | 2× | $2.47 | |
| Ridesharing | 2× | $2.47 | |
| Toll Fees | 2× | $2.47 | |
| Travel | 2× | $2.47 | |
| All Other | 1× | $1.23 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $695
- Card type
- Personal
- Network
- Visa Infinite
- Bank
- Chase
- Point system
- United MileagePlus
- Travel value (our estimate)*
- 1.23¢ per point
- Cash value (our estimate)*
- 1.23¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules4
- 24 from Bonus
If you've received a bonus from this card within the last 24 month, you are not eligible for another bonus.
- 5/24
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
- Chase 2/30
You'll be declined if you apply for a third Chase card of any kind within 30 days.
- Chase 4/6
Chase will decline your application if you apply for a 5th Chase card (personal or business) in 6 months.
Benefits25 · 8 high value
- Airport Express Credits High valueGlobal Entry, TSA PreCheck® or NEXUS Credit
- Car Rental Insurance High valuePRIMARY Auto Rental Collision Damage Waiver
- Earn Perks & Status High valueEarn 4 United Club One-Time Passes + 3 more earn perks & status benefits
- Instant Perks & Status High valueAvis President's Club + 6 more instant perks & status benefits
- Lounge Access High valueUnited Club card membership
- Credits & Discounts $100 Credits on Avis or Budget + 6 more credits & discounts benefits
- Travel Protections Baggage Delay Insurance + 3 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 United Club |  United Quest |  United Explorer |  Barclays Bank Luxury Black Card | |
|---|---|---|---|---|
| Annual fee | $695 | $350−$345 | $150−$545 | $699+$4 |
| Signup bonus | 90,000 pts | 70,000 pts | 60,000 pts | None |
| Top rate | 5×Hotels (Portal) | 5×Hotels (Portal) | 2×4 categories | 3×Airfare (Portal), Hotels (Portal) |
| Travel value * | 1.23¢United MileagePlus | 1.23¢United MileagePlus | 1.23¢United MileagePlus | 2¢Luxury Card Rewards |
| Why it’s here | This card | Same issuer and the same United MileagePlus points | Same issuer and the same United MileagePlus points | An annual fee within $100 |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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