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United MileagePlus

United Club℠ Infinite Card

Issued by Chase · $525/yr annual fee

Welcome bonus

80,000 points

After $5,000 spend in 3 months

Larger offer justified by high AF.

Offer link coming soon

Key benefits

›United Club membership (lounge access) — worth ~$650 standalone
›First + second bags free for cardholder + companions
›Premier Access travel services (priority check-in, boarding, baggage)
›No foreign transaction fees
›IHG One Rewards Platinum Elite status

Earn rates

United purchases	4×
Dining & Eligible Delivery	2×
All other travel	2×
All else	1×

Why this card

If you're in United Club lounges 3+ times per year the math works. The AF is partially justified by the standalone lounge membership value.

Related guides

Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards
The single biggest mistake new points players make: collecting United miles on a United card instead of Chase points that can become United miles, or Hyatt nights, or Air Canada miles. Here's the playbook.

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