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» This offer has expired
The offer described in this article has expired. See our details page on the United Club℠ Infinite Card for the current offer.
The luxury version of the airline credit card for United Airlines, the United Club℠ Infinite Card, has eliminated its sign-up bonus and instead is waiving its hefty annual fee for the first year. Here's what to know.
The new offer
Sign-up bonus: 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Annual fee: $525.
The old, now-expired limited-time offer
Sign-up bonus: Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Annual fee: $525. (Not waived in the first year.)
Chase, the issuer of the United Club℠ Infinite Card, revamped the card in March 2020. But it's main distinctive feature is that it comes with membership to United Club airport lounges. Without the card, a general membership would typically cost $650.
Is this a better offer for new cardholders?
The waiving of the annual fee in the first year is a guaranteed savings. And you essentially get to try out the United luxury lounge card free for a year.
However, the previous offer — a limited-time introductory bonus for the revamped card — was especially valuable.
NerdWallet values United miles at 0.8 cent each. This is a baseline value, drawn from real-world data on hundreds of economy routes, not a maximized value. In other words, you should aim for award redemptions that offer 0.8 cent or more in value from your United miles.
At that valuation — established before the COVID-19 pandemic — the previous offer was worth $800. And a more typical bonus of 75,000 miles would be worth $600.
Potential new cardholders will have to ask themselves when they should apply. When do they want the clock to start ticking on their free first year if they’re unlikely to be flying in the near future because of the pandemic?
Rewards and perks remain the same
4 miles per dollar spent on United purchases.
2 miles per dollar spent on dining.
2 miles per dollar spent on all other travel.
1 mile per dollar on all other purchases.
United Club Membership.
First and second checked bags free.
Premier Access (which gets you priority check-in and boarding).
Up to $100 Global Entry or TSA Precheck fee credit.
25% off onboard purchases.
Hertz rental car status (which gets you faster service and more car rental options, among other perks).