United Club℠ Infinite Card
Basic Information
Program ID: united-club-infinite-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/07/2026 12:08
Last Scraped: 01/15/2026 07:17
Fee Structure
| Annual Fee: | $525.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $425.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $90,000.00
Spending Requirement: $6,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours.
Rewards Program
Reward Type: Miles
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x United Purchases, 2x Other Travel, 2x Dining
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Miles do not expire as long as the MileagePlus account is active.
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.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $100.00
- TSA PreCheck Credit: $100.00
Approval Criteria
Recommended FICO Range: 740 - 850
Approval Odds Category: Excellent
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies (Experian, TransUnion, Equifax)
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), rapid application velocity, high cumulative credit limit across Chase cards, suspicious spending patterns inconsistent with declared income, frequent balance transfers without genuine spending, abuse of card benefits (e.g., return protection, extended warranty), bouncing payments, or providing inaccurate information on applications.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
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 Feedback:
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 Score: 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
User Portfolio Metrics
Avg Portfolio Size: 5 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 60% General / 40% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 80.0%
Terms Version Control
Version ID: v1.0