cc_advertiser_disclosure cc_editorial_disclosure
450a0407-44c5-45f1-a335-068eefc6cb45.png
United Club℠  Infinite
Score Needed: Good to Excellent
United Club℠  Infinite
At a glance
Welcome Offer

80,000 Bonus Miles After You Spend $5,000 On Purchases In The First 3 Months From Account Opening

Limited Time Offer
New Offer
All time high
Rewards

4X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.

2X miles per $1 spent on dining including eligible delivery services

4X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges.

2X miles per $1 spent on dining including eligible delivery services

1X
Points on other purchases
Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
21.99% - 28.99% Variable
Annual Fee
$525
United Club℠  Infinite

Unlock a world of travel luxury with the Chase United Club℠ Infinite card. Enjoy unlimited United Club lounge access, two free checked bags, priority boarding, and no foreign transaction fees. Earn 4X miles on United purchases and 2X on travel and dining. Plus, benefit from travel insurance, rental car coverage, and exclusive hotel perks. Experience seamless travel with $100 annual United credit and more.

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase
Credit Inquires
No items found at this time
Chase Bank will usually pull your Experian credit report.
Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.
Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.
Downgrade Options

The Chase United Club card can be downgraded to the Chase United Explorer ($95) or to the Chase United Gateway ($0). Please note, Chase will only allow you to downgrade the card after 12 months of account opening.

Getting your card
Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Lost Luggage Insurance

Return Protection

Trip Delay Insurance

Luggage Delay Insurance

Free Baggage

Hotel Collection

Miscellaneous Benefits

Visa Infinite® Concierge Services

Enjoy 24/7 personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. Available 365 days a year from home or abroad.

Upgraded Statuses

United Club membership

Enjoy a United Club membership – up to a $650 value per year – as long as you remain a Cardmember. United Club locations offer a place to work, relax, and enjoy complimentary beverages and snacks before your flight. The primary Cardmember and eligible travel companions will enjoy access to all United Club locations and participating Star Alliance™ affiliated lounges worldwide.

Miscellaneous Benefits

United Card Events from Chase and United MileagePlus Events

Pursue more of your passions with United Card Events from Chase. As a Cardmember, you will be delighted with opportunities to purchase private, curated once-in-a-lifetime experiences. Sample select wines and satisfy your palate with culinary events at some of the world's best restaurants, meet a sporting legend or make memories with your family. United MileagePlus® Visa Signature® Cardmembers may also use award miles to enjoy exclusive experiences, such as winemaker dinners and other unique virtual events. Please visit to learn more.

Trip Delay Insurance

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.

Trip Cancellation Insurance

Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather, and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels.

Hotel Collection

The Luxury Hotel & Resort Collection

This exceptional group of over 1,000 properties includes many of the world's most exquisite hotels, resorts, lodges and spas, each of which extend you complimentary Cardmember benefits with every stay. Make a reservation through the program using your Chase card to receive the following benefits including daily breakfast for two, a special benefit unique to each property, such as a dining or spa credit, complimentary Wi-Fi, a room upgrade, if available, and early check-in and late checkout, if available. Please visit for more information.

Return Protection

Return Protection

You can be reimbursed for eligible items that the store won't take back within 90 days of purchase. Up to $500 per item, $1,000 per year

Purchase Protection

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

Upgraded Statuses

Premier upgrades on award tickets

The primary Cardmember who has MileagePlus® Premier® status and is traveling on an award ticket and one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.

Priority Boarding

Premier Access® Travel Services

Receive preferential treatment to ease your way through the airport with priority check-in, security screening, boarding, and baggage handling privileges (where available).

Extra Redemption Value

MileagePlus miles don't expire

MileagePlus miles never expire. This MileagePlus program benefit gives you a lifetime to use your miles on flights and much more.

Lost Luggage Insurance

Lost Luggage Reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.

Upgraded Statuses

IHG One Rewards Platinum Elite status

The primary Cardmember is eligible for Platinum Elite status in IHG One Rewards (enhance your stay with complimentary room upgrades and extended check-out as available, earn points towards free nights and elite points that never expire). Plus, receive up to $75 in statement credits as reimbursement for IHG® Hotels and Resorts purchases charged to your card from January 1, 2023, through December 31, 2023.

Global Entry and TSA Pre-check

Global Entry, TSA PreCheck® or NEXUS fee credit

Receive a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.

Free Baggage

Free first and second checked bags

The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .

Extended Warranty

Extended Warranty Protection

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Extra Redemption Value

Earn up to 10,000 Premier qualifying points (PQP) per calendar year

Premier qualifying points (PQP) help you earn MileagePlus Premier® status, which provides you with an enhanced travel experience. You'll earn 500 PQP for every $12,000 you spend on purchases with your Club Card (up to 10,000 Premier qualifying points per calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K level. Visit for details about earning Premier status.

Credits

DoorDash

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24.

Luggage Delay Insurance

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days.

Upgraded Statuses

Avis President's Club®

The primary Cardmember of the United Club℠  Card is invited to enroll in Avis President's Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more. To enroll, please visit

Auto CDW Insurance

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

Extra Redemption Value

25% back on United inflight and Club premium drink purchases

25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your United Club℠  Infinite Card.

Extra Redemption Value

10% Discount on United Economy Saver Awards Within the Continental U.S. and Canada

The primary Cardmember will be eligible to book award flights in United Economy on United or United Express with 10% fewer miles.

Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption

The points can be used at approximately 1 penny per point to book award flights with one of the following United airline partners:

  • United Airlines
  • Aegean Airlines
  • Air Canada
  • Air China
  • Air India
  • Air New Zealand
  • All Nippon Airways (ANA)
  • Austrian Airlines
  • Avianca
  • Brussels Airlines
  • Copa Airlines
  • Croatia Airlines
  • EgyptAir
  • Ethiopian Airlines
  • EVA Air
  • LOT Polish Airlines
  • Lufthansa
  • Scandinavian Airlines (SAS)
  • Shenzhen Airlines
  • Singapore Airlines
  • South African Airways
  • Swiss Airlines
  • TAP Portugal
  • Thai Airways
Transfer your United MileagePlus to any of the following Chase Travel Partners.
Points Transfer Partners
No transfer partners found
Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
foreign_transaction_fee
450a0407-44c5-45f1-a335-068eefc6cb45.png
Upgrade Your Wallet!
United Club℠  Infinite Click learn more to see if you qualify

More questions? More answers.

What's the difference between a credit freeze and a credit lock on Experian?
There is no actual difference. By law, a freeze needs to be offered for free. Experian wants to charge you so they offer a freeze for free but for a lock they want you to pay a membership. They both do the same thing
Is it possible to reallocate my credit limit from a personal Chase card to a business card?
No, you can only transfer credit limits from personal to personal or from business to business within Chase.
Does obtaining a credit limit increase from Chase involve a credit check?
No, Chase does not pull credit for a credit limit increase.