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You have the United Club℠ Infinite Card
Chase · $695/yr
What you’re getting
- ✓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
What you’re probably missing
These miles only fly one airline
Everything this card earns is locked to UA. Chase Ultimate Rewards and Bilt Rewards transfer to UA too — earning there keeps every other airline on the table at the same time.
Your UA miles are worth 0.8¢ or 6.456¢ — depending on you
Last-seat dynamic awards / merchandise sits at 0.8¢ per mile; 80K saver business one-way to Amsterdam (vs $10,340 round-trip cash) pays 6.456¢. Same miles, 8x difference.
A $695 fee only makes sense if you work the credits
Premium cards front-load statement credits that lapse if unused. If you're not actively tracking activation deadlines and credit calendars, you may be paying more than you're getting back.
The value spread on your points
Maximized play: 80K saver business one-way to Amsterdam (vs $10,340 round-trip cash).
Go deeper
- Chase Sapphire Reserve in 2026: $795 fee, $2,000+ in credits, and a Park Hyatt run on the welcome bonus →
- Authorized users in 2026: when the fee pays off, when it doesn't, and the household point-pooling play most couples miss →
- Transferable Points 101: Why Chase UR, Amex MR, Citi TY, and Capital One Miles Beat Airline-Specific Cards →
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