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United Club Card (Infinite) Review
A full United Club membership costs up to $750 a year on its own. This card includes one, plus checked bags and priority boarding, for $695.
We review cards on the terms issuers publish: APR, fees, rewards and eligibility. We do not accept payment for a favorable review.
The verdict
Rates and fees
- Annual fee of $695, raised from $525 during 2026.
- Authorized users cost $75 each.
- Purchase APR of 19.74% to 28.24% variable, with no intro APR offer.
- No foreign transaction fee.
- Current fees and benefits on Chase's site
More details
- United Club membership with lounge access for you and eligible guests.
- Free first and second checked bags for you and a companion on the same reservation.
- Priority boarding on United flights.
- 1 Premier Qualifying Point for every $20 spent, up to 28,000 PQP a year, plus a 1,500 PQP card bonus each year.
- IHG One Rewards Platinum Elite status for the primary cardholder.
- A 10,000-mile award flight discount after $20,000 in purchases, up to twice a calendar year.
Pros and cons
Pros
United Club membership included
Two free checked bags for you and a companion
No foreign transaction fee
Status acceleration through PQP earning
80,000-mile welcome offer
Cons
$695 a year, up from $525
Guest access reduced to one adult plus dependent children under 18
Star Alliance lounge access no longer included at this tier
Authorized users cost $75 each
Only worth it if you fly United
Full review
Premium airline cards usually ask you to believe a pile of soft benefits adds up to the fee. This one has a hard number behind it. A standalone United Club membership costs up to $750 a year, and the card includes it for $695, which means the lounge alone covers the cost before you count anything else.
Everything else stacks on top. Free first and second checked bags for you and a companion is worth roughly $140 per round trip for two people. Priority boarding, IHG Platinum status, a 10,000-mile award discount after $20,000 of spending, and PQP earning at one point per $20 spent all push toward elite status faster than flying alone would. The welcome offer of 80,000 miles after $5,000 in three months, plus 10,000 for adding an authorized user, is substantial in its own right.
Two 2026 changes deserve attention before you apply. The annual fee jumped from $525 to $695, which is now the highest of any top-tier airline card. And lounge guesting was cut back: you can bring one adult guest plus dependent children under 18, rather than two adults, and Star Alliance lounge access no longer comes with the standard membership. Neither change breaks the value for a frequent United flyer, but both shrink it, and if you were counting on bringing two colleagues into the club, that is gone.
» MORE: Compare all eight cards side by side
The basics
Best for: frequent United flyers who use the lounge
Annual fee: $695
Card network: Visa Infinite
Credit needed: good to excellent
How it compares
United Club Card (Infinite)
Wells Fargo Autograph Card
TD Aeroplan Visa Infinite (Canada)Published issuer terms, checked Aug 30, 2026. The TD card is a Canadian product priced in Canadian dollars.
Looking for something else?
Frequently asked questions
Is the annual fee really $695?
How many guests can I bring to the lounge?
Do I still get Star Alliance lounge access?
About the author
CreditStepUp Team
We compare credit cards on the terms issuers publish and update our pages when those terms change.