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United Club Infinite Card
Annual Fee
$695
Sign-up Bonus
80,000 pts
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Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 4x on flights (catalog median is 2x)
- Airport lounge access
- The $695 annual fee needs strong category spending to clear
- Non-bonus spending earns only 1x
Is the $695 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
-$169/yr
$331 rewards + $195 credits - $695 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
-$80/yr
$420 rewards + $195 credits - $695 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$182/yr
$682 rewards + $195 credits - $695 fee
Rewards by Category
Dining
2x
Grocery
1x
Gas
1x
Flights
4x
Hotels
2x
Other Travel
2x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.2 cents per point
The Fine Print That Changes the Math
4x on United, 2x on dining, hotels, and travel. United Club membership. Two free checked bags.
Benefits & Credits
Airport Lounge Access
Priority Pass or proprietary lounges
United Club Membership$650
We count this at 30% of face value (typical usage)
List value ~$650/yr but realized utility varies dramatically by travel volume. Conservative default 30%; users who fly United often should raise this.
United Club Infinite Card FAQ
What is the United Club Infinite Card annual fee?
The United Club Infinite Card has a $695 annual fee. Statement credits worth about $195/yr at typical usage reduce the effective cost.
What is the United Club Infinite Card signup bonus?
80,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the United Club Infinite Card?
4x on flights, 2x on hotels, 2x on other travel. Everything else earns 1x.
Is the United Club Infinite Card worth the annual fee?
At a typical $24,000/yr spending profile, it comes up about $169/yr short of covering the fee. It can still win for heavier spending in its bonus categories; run your own numbers in the optimizer.
Does the United Club Infinite Card include airport lounge access?
Yes. Lounge access is included; the cash value depends on how often you fly.
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Is United Club Infinite Card Right for You?
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Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.