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Chase · Updated June 2026

United Club Infinite Card Review (2026)

United's top-tier co-brand card with a United Club membership, premium travel perks, and a deep set of rideshare, Instacart, and travel statement credits.

Annual fee
$695
Welcome bonus
Earn 90,000 bonus miles
Annual fee
$695
Welcome bonus
Earn 90,000 bonus miles after spending $5,000 in the first 3 months
Rewards rate
4X on United purchases; 2X on all other travel and dining; 1X on all other purchases.
Points value
~1.3¢ per United mile
Credit score
Good to Excellent (670–850)
Network
Visa
Foreign tx fee
None

Annual credits & benefits

Rideshare Credit

Monthly ($12/month, $18 in December)

$150

Up to $150 back each calendar year on rideshare purchases ($12/month January–November and up to $18 in December). Enrollment required.

Tip: Use the monthly rideshare credit on Uber, Lyft, or other eligible providers — it doesn't roll over.

Instacart Credit

Monthly ($20/month)

$240

Two $10 Instacart credits each month (up to $240 annually) on purchases through Instacart, plus a complimentary Instacart+ membership. Enrollment required.

Tip: Place two qualifying Instacart orders each month to capture the full $20 — credits don't roll over.

JSX Credit

Calendar year

$200

Up to $200 in statement credits each year on JSX hop-on jet purchases.

Tip: If you fly JSX, the credit covers up to $200 of fares each year.

Avis or Budget Credit

Calendar year

$100

Up to $100 in statement credits each year on eligible Avis or Budget car rentals.

Tip: Book Avis or Budget rentals on the card to capture up to $100 a year.

Is the $695 fee worth it?

Ideal for

  • Frequent United flyers
  • United Club membership
  • Statement credits

Not ideal for

  • Infrequent travelers who rarely fly or stay at hotels
  • Those who prefer cash back over travel rewards
  • Budget-conscious consumers avoiding annual fees

How we rate & review credit cards

CreditMilesGuru's editorial team evaluates cards on annual-fee value, welcome bonus, ongoing earn rates, transfer-partner quality, travel protections, credits and perks, and the current competitive landscape. Our ratings are independent — we are not paid by issuers to rate cards favorably. This review was last updated June 2026.

Ready to apply?

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United Club Infinite Card Review — Updated June 2026: Benefits, Fees & Verdict | Credit Miles Guru