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United Club℠ Infinite Card
Unlock over $875 in annual credits and full United Club membership with this premium card.
This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.
Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.
The Good
- Welcome Bonus: up to 110,000 Miles + 3,000 PQP (Spend $5k in 3 months)
- United Club Membership + 4 One-Time Passes (for All Access members)
- Over $875 in Annual Partner Credits (Instacart, JSX, Rideshare)
- Earn 4x Miles on United & 2x on All Travel/Dining
- IHG Platinum Elite Status & Avis President's Club
- 10% Discount on United Economy Saver Awards
The Bad
- High Annual Fee ($695)
- Credits require specific partners (JSX, Instacart, etc.)
- PQP earnings capped at 28,000 per year from spend
Lounge Access
1 lounge network included
Guest Policy
2 guests or immediate family (United Club)
Purchase APR
19.74% - 28.24% Variable
Credit Score
Excellent
Is the annual fee worth it for you?
Set how often you would use a lounge and what one visit is worth to you. We compare that against this card's real $695 annual fee. This counts lounge value only, not credits, points, or other perks.
Starting point is a typical day-pass or guest fee. Adjust to match the airports you use.
- Estimated lounge value
- $400/yr
- Annual fee
- $695/yr
- Net for your usage
- -$295
At $50 per visit, you cover the fee at about 14 visits per year. This card opens 12 lounges we track.
Estimate only, not financial advice. It uses values you enter and excludes statement credits, points, taxes, and guest fees. Lounge access and day-pass prices change; verify with the issuer and lounge before you rely on these numbers.
Limited Time Offer
up to 110,000 Bonus Miles + 3,000 Premier Qualifying Points
Offer Terms & Eligibility:
Spend $5,000 in first 3 months. 10,000 bonus miles for adding an authorized user in first 3 months.Lounge Networks
1 IncludedAdditional Travel Perks
Lounges United Club℠ Infinite Card Opens
12 lounges tracked across 10 airports, derived from this card's network coverage.
Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.
Popular Airports With Lounges
United Club lounges are available at hundreds of airports worldwide