The United Club card comes with a full United Club membership for the primary Cardmember and eligible travel companions. This will give you access to all United Club locations plus Star Alliance™ affiliated lounges worldwide.

This is a savings of up to $650, the price of the lounge membership without 1K status. Even 1K members pay $550. So, in all cases, you are saving $25-$125 on United Club access by holding this card and paying a $525 annual fee rather than directly buying United Club membership. I know, this sounds CRAZY – but it’s true!

Note that the card does not come with any other airport lounge access. You can also view a list of all credit cards with airport lounge access here.

The primary United Club Infinite card holder and one companion traveling on the same reservation will each receive their 1st and 2nd checked bags free (up to $35 value for the first checked bag and up to $45 value for the second checked bag, each way, per person – for a total of up to $320 in savings per round trip. This benefit for free checked bags is valid on a domestic United-operated flight when the United Club Infinite card holder includes their United MileagePlus number in their reservation and buys their United Airlines ticket with their card.

It does not apply to international flights.

If you decline the rental car company’s collision and damage insurance and charge the entire rental cost to your card, coverage is primary and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most rental cars in the U.S. and abroad.

You can get a statement credit of up to $100 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck or NEXUS when charged to your card. Note that of all the issuers, only Chase reimburses NEXUS, the Canadian equivalent to Global Entry (and available to US citizens).

This card comes with IHG Rewards Platinum elite status, due to a marketing tie up with United and IHG, as well as potential statement credits. See the “Statement Credits” section below for more.

The primary Cardmember of the United Club Infinite Card is invited to upgrade to Avis President’s Club® and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more.

$75 IHG Credit

When your card is used on purchases made at InterContinental Hotels Group (IHG) properties from 01/01/2023 through 12/31/2023, a statement credit will automatically be applied to your account – up to a maximum of $75 per calendar year. You’ll also receive IHG Platinum elite status.

If a store won’t take back eligible items within 90 days of purchase, you can be reimbursed – up to $500 per item, $1,000 per year. Of course, you’ll have to try to return it first!

This extended warranty protection prolongs the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.

Trip Cancellation / Trip Interruption Insurance

You can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is cancelled or cut short by sickness, severe weather and other covered situations. Note that these limits are significantly higher than the other United credit cards.

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 3 days when you pay for your flight with the card.

Lost Luggage Reimbursement

If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger.

Trip Delay Reimbursement

If your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $300 per passenger. Again, these limits are significantly higher than the other United credit cards.

The primary card holder and all companions on the same reservation get priority boarding on United flights as part of the Premier Access described above in Unique Card Benefits.

Purchases made with the United Club Infinite card when traveling abroad will not be subject to a foreign transaction fee.

You can get complimentary Visa Signature concierge service 24 hours a day for things like sourcing tickets to sports and entertainment events, making dinner reservations and much more. Of course, card holders are still subject to paying for any third-party services or items.

Though they won’t get any of the benefits of the primary card holder, like Club access on their own. They will purely just be able to earn miles that credit to your account.

You can always check your VantageScore 3.0® credit score for no cost through Chase Credit Journey on the Chase website or app.

Lighter than most metal cards, this one weighs in at 12 grams. Personally, I prefer a lighter card…. my wallet is heavy!!