Chase
United Club Infinite
What it is
The United Club Infinite is a Chase card earning United MileagePlus miles. For most, its value is mostly up front in the welcome bonus rather than ongoing perks. United's flagship — worth keeping past year one only if you'll actually use the United Club lounge membership. Otherwise the steep fee is hard to justify past the welcome bonus.
Offer history
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC | 100,000$5k · 90d | $1,300 | $1,188 | 24% | Apr ’26 |
AF $695 · benefits updated · Apr 2026 | |||||
PUBLIC | 80,000$5k · 90d | $1,040 | $557 | 11% | Sep ’25 |
AF $525 → $695 · Jan 2025 | |||||
PUBLIC ATH | 120,000$6k · 90d | $1,560 | $1,247 | 21% | May ’22 |
What you get
- United Club membership$275per year
Full United Club membership — 1 guest + dependent kids (cut from 2 in 2026); large network + Star Alliance lounges abroad; ~$650/yr retail. Mainly valuable if you fly United.
- Instacart credit$240per year
Up to $20 a month in Instacart statement credits, plus a complimentary Instacart+ membership.
- United Hotels credit$200per year
Up to $200 a year in credits on hotel stays booked through United Hotels.
- JSX credit$200per year
Up to $200 a year in statement credits for JSX semi-private flights.
- Free checked bag$160per year
Free first and second checked bags for you and a companion on United flights.
- Rideshare credit$150per year
Up to $150 a year in rideshare statement credits after enrollment.
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
standard values| SUB value | +$1,040 |
| 80,000 United × | |
| Benefits (Year 1) | +$583 |
↳ $1,495 at sticker value — before custom valuations Ongoing United Club membership($275 × ) United Club membership $275 × ~$110 Instacart credit($20/mo × ) Instacart credit $20/mo × ends Dec 2027 $96 United Hotels credit($200 × ) United Hotels credit $200 × ~$90 One-time Global Entry credit($120 × ) Global Entry credit $120 × $30 | |
| Annual fee | −$695 |
| Year 1 | $928 |
| Return for spending $5k | 19% |
Sign in to fold in your eligibility, spend-fit, and 5/24.
Related cards
United Club Infinite scores 36 here on standard point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →