Last Chance: New United Card With Massive 100,000 Mile Offer. Is It Worth it?

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Opinion: Before we dive into the details, let me say that there are more important things going on right now than the introduction of new credit cards. However, I still think this is a great time to earn miles & points that you’ll be able to redeem when it’s safe (and responsible) to travel. With that being said, let’s jump into it…

Chase launched a new premium United card called the United Club Infinite card. The new card will replace the (old) United Club card.

Let’s take a look at the new United Club Infinite card details and determine if it’s a good card and offer.

United Club Infinite Card Details & Offer

Welcome Offer

The welcome offer for the United Club Infinite is as follows:

100,000 bonus miles after $5,000 in purchases in the first three months from account opening with a $525 annual fee that is NOT waived.

Earning Structure

The card will have the following earning structure:

  • 4X per dollar spent on United purchases
  • 2X per dollar spent on dining
  • 2X per dollar spent on all other travel  (including other airlines)
  • 1X per dollar spent on everything else

Cardholder Perks

  • United Club Membership
  • Access to more award space for cardholders
  • First and second check bags free
  • Premier Access
  • Hertz rental car status
  • 25% off onboard purchases
  • Up to $100 Global Entry or TSA Precheck fee credit
  • No blackout dates
  • No foreign transaction fees

So is worth it?


I think it is safe to say that Chase is trying to grow the United cardholder portfolio. Chase introduced this card nearly a month after they launched the United Business Card and increased the offer on the United Explorer card.

Credit card welcome bonuses have been increasing year over year and anytime a 100,000 point welcome offer for an airline is dropped into the arena, it’s worth (at least) taking a look.

Arguably the key benefit of the United Club Infinite is that it offers a United Club membership, which offers access to United Clubs and participating Star Alliance affiliated lounges. That’s amazing!

I value United MileagePlus miles at 1.3 cents/piece which means I value this bonus at roughly $1300. When you subtract the annual fee that is roughly $775 in net value in the first year, plus a United Club membership. That’s pretty solid value.

However, given the current pandemic and inability to utilize many of the benefits, everyone will have to consider the limitations of holding this premium card.

The annual fee for the United Club Infinite card is $75 more per year than the old United Club Card and I would say the earning structure on the new card is more rewarding for travelers but worse overall for everyday spending – an aspect that is fairly consistent across all co-branded airline cards.

Personally, I’m focused on other cards so it’s a no-go but if you’re a United fan or live in a United hub, it may be worth it for you.

If you paired the United Club Infinite card with the United Explorer card (no annual fee for the first year and 60,000 miles miles), and meet the minimum spending thresholds on both, you would have more than 160,000 United MileagePlus miles.

Today is the last day to apply for these two cards with increased welcome offers.

Is anyone planning to apply for this card?

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