For the frequent United Airlines flyer, it might be worth investing in the United Club℠ Infinite Card. On top of earning miles on every purchase, you’ll get a handful of other valuable benefits, such as unlimited airport lounge access for the primary cardholder and access to more award space. Here, after a review of the card’s best-known perks, are underrated reasons to consider the United Club℠ Infinite Card.
The well-known reasons
Obvious benefits of holding the United Club℠ Infinite Card include:
Annual fee waived first year: New United Club℠ Infinite Card customers get a $525 annual fee, which won’t kick in until the second year of card membership.
Bonus miles on purchases: With the United Club℠ Infinite Card, you’ll earn 4 miles per dollar spent with United Airlines, 2 miles per dollar spent on travel and dining, as well as eligible delivery services including GrubHub, Caviar, Seamless and DoorDash. You’ll earn 1 mile per dollar spent everywhere else.
Free checked bags: By using your United Club℠ Infinite Card to pay for airfare purchased directly with United Airlines, you and one travel companion qualify for two checked bags each. This perk can save you up to $160 per each solo trip and up to $320 per each round trip you take with another person.
Access to more award seats
Perhaps the most underrated perk of United cards like the United Club℠ Infinite Card is that when you’re ready to redeem your miles, you have more flight options than other travelers.
When you search for award space on the United website, you’ll see flights marked “Exclusively available to you as a MileagePlus Chase Cardmember.” You’ll have more flights to choose from at the Saver redemption rates.
» Learn more: Six valuable benefits of United Airlines credit cards
United Club membership
Though it’s one of the main selling points of this card, the United Club membership benefit is underrated. As a United Club member, you and up to two guests or you and your family can visit United Clubs any time you fly United Airlines.
Normally, a one-year United Club membership ranges from $550 for Premier 1K members to $650 for general members. With the United Club℠ Infinite Card, you bring down that cost to $525 — the card’s annual fee. A one-time lounge pass costs $59, which means that you’ll offset the cost of the annual fee after just nine visits.
Free Global Entry/TSA Precheck membership
Enrolling in a trusted traveler program can save you lots of time waiting in airport lines.
With TSA Precheck ($85 for five years), you get to use a designated queue for security screening and save time by keeping your shoes on and your laptop in a carry-on bag. With Global Entry ($100 for five years), you get to go through expedited customs upon arriving in the United States from another country. You also get TSA Precheck benefits with Global Entry.
Use the card to pay those fees and you’ll get a statement credit reimbursing you for the charges. Use this benefit when you reapply every four years. Or, if you don’t need it for yourself, use the credit for a friend or family member.
» Learn more: United MileagePlus program: The complete guide
Auto rental collision damage waiver
With the United Club℠ Infinite Card you get extra protection for your rental car. The collision damage waiver is automatic when you pay for the rental with the card and decline the rental company’s collision insurance. If the car is damaged or stolen during your rental period, you can get coverage up to the value of the car. Coverage is primary for both domestic and international rentals, which means it won’t affect your personal auto insurance rates.
Trip delay reimbursement
Sometimes trip delays are unavoidable, and it’s nice knowing that you’re protected when they happen.
If you pay for travel with your United Club℠ Infinite Card and the carrier delays your trip by 12 hours or overnight, you and your family are covered for up to $500 per person toward unforeseen expenses, such as meals and hotel rooms. The reimbursement can save you when an airline or a railroad service doesn’t cover these costs.
The bottom line
The United Club℠ Infinite Card is a great option for travelers who like to visit airport lounges. Add a year without an annual fee, access to more award space and an auto collision damage waiver to the mix, and you’ve got yourself a solid rewards card for frequent United Airlines flyers.
How to Maximize Your Rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:
Airline miles and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Wells Fargo Propel American Express® card
Flat-rate rewards with no annual fee: Bank of America® Travel Rewards credit card
Premium travel rewards: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card