0
Benefits0
Reward Categories—
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Miles
Base Rate: 1x
Bonus Rate: 4x
Categories: 4x United Purchases, 2x Other Travel, 2x Dining
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Miles do not expire as long as the MileagePlus account is active.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: N/A - Miles are specific to United MileagePlus program and do not transfer to other loyalty programs. Miles can be redeemed for flights on United and Star Alliance partners.
Redemption Penalties: Standard airline award redemption policies apply; fees for changes/cancellations largely eliminated for most awards, though close-in booking or redeposit fees may apply in specific circumstances.
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Global Entry Credit: $100
TSA PreCheck Credit: $100
Sign-Up Bonus
PENDING90,000
Points/MilesRequirement: Spend $6,000 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Fee Structure
PENDING| Annual Fee: | $525.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $425.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 29.99% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: To be eligible for the United Club Infinite Card, applicants must adhere to several Chase issuer rules. The primary rule is the '5/24 Rule,' meaning you cannot have opened 5 or more personal credit cards from any issuer (including Chase and other banks) in the past 24 months. Additionally, Chase generally limits approvals to no more than 2 credit cards within a 30-day period. For the sign-up bonus, applicants are typically restricted if they have received a new cardmember bonus for the United Club Infinite Card within the last 24 months. General eligibility requires an excellent credit score (typically 740+ FICO), sufficient income to support the credit limit, and a low debt-to-income ratio. Applicants must be 18 years or older and a US resident.
Max Cards Per Issuer: 6
Min Spend Interval: 3 months
Cliff Effect Rules: While there isn't a strict 'cliff effect' like the Sapphire family's 48-month rule across different product tiers, applicants are generally restricted from receiving the sign-up bonus for the United Club Infinite Card if they have received a bonus for *this specific card* within the last 24 months. Holding other United co-branded cards (e.g., United Explorer) does not typically preclude eligibility for the United Club Infinite bonus, but bonus eligibility for *any* United card may be restricted if you've received a bonus on *another* United card within a specific timeframe (e.g., 24 months).
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.0 / 5.0
Top Positive:
Excellent for frequent United flyers, especially for lounge access, free checked bags, and PQP earning. Valuable travel benefits and a strong welcome bonus.
Top Negative:
Very high annual fee makes it less appealing for infrequent travelers. Benefits are highly specific to United Airlines, limiting flexibility for other airlines.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Reserve
- United Quest Card
- American Express Platinum Card
Card Value Score: 88.0 / 100
Est. Annual Rewards: $1,200.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0