Chase

United Club Infinite

AF $695★ Keeper

What it is

The United Club Infinite is a Chase card earning United MileagePlus miles. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. United's flagship. Only worth keeping past year one if you'll actually use the United Club lounge membership — otherwise it's a one-and-done bonus play at a steep fee.

Offer history

Current offer

80,000

$1,040 bonus · $1,123 year 1

Spend to earn

$5k

~$1,667/mo · 90d

All-time high

120,000

May ’22

Timing

33% below

vs all-time high

Value over time

Plot

Year 1 (incl. perks)Bonus $Spend / mo (right)All-time highProduct refresh

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	80,000$5k · 90d	$1,040	$1,123	21%	May ’26
PUBLIC	100,000$5k · 90d	$1,300	$1,383	26%	Apr ’26
AF $695 · benefits updated · Apr 2026
PUBLIC	90,000$5k · 90d	$1,170	$1,000	23%	Nov ’25

What you get

Airport lounge accessNo foreign transaction feesPrimary rental car insuranceTrip cancellation insurance

United Club membership$650per year
Full United Club membership (cardholder + guest). Standalone ~$650/yr (issuer says '$750+'). 0.65 util. is_estimated.
Instacart credit$240per year
$240/yr Instacart ($20/mo, Club tier). value_cents_msrp=24000 ANNUAL (encoder ÷12). Added April 2026.
United Hotels credit$200per year
$200/yr United Hotels portal credit. Added April 2026.
JSX credit$200per year
$200/yr JSX credit. Niche. Added April 2026.
Free checked bag$160per year
Free 1st+2nd checked bags, cardholder + companion. ~$160.
Rideshare credit$150per year
$150/yr rideshare credit. Added April 2026.

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

default values

SUB value	+$1,040
80,000 United × 1.30¢/pt
Ongoing benefits (yr 1)	+$748
United Club membership($650 × 65%) United Club membership $650 × 65% $423 Instacart credit($20/mo × 40%) Instacart credit $20/mo × 40% $96 Free checked bag($160 × 45%) Free checked bag $160 × 45% $72
One-time benefits (yr 1)	+$30
Global Entry credit($120 × 25%) Global Entry credit $120 × 25% $30
Annual fee	−$695
Year 1	$1,123
Return on $5k MSR	21%