United Club Infinite Card 100K Offer [2020]

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It seems like the new trend from banks right now is to revamp their premium cards. Over the past couple of years we have seen the Platinum Card get revamped and other cards like the Chase Sapphire Reserve get revamped as well.

Typically, with these revamps we see a new bonus category or two, some changed perks, and an increased annual fee. Well, Chase just made some big changes to their United Club Card and now it is the “United Club Infinite Card.” Below, I will give a breakdown of the new card including its new limited time offer.

Limited-time offer

The new United Club Infinite Card is launching with a limited-time offer with 100,000 miles after $5,000 in purchases in the first three months from account opening. Getting a bonus of 100,000 United miles is very rare. Consider that the bonus for the old card was 50,000 miles and people would get very excited about targeted 75,000 mile offers.

So this is a golden opportunity for anybody interested in United miles. Keep in mind that this offer does expire on May 18.

Update: The Chase Ink Business Preferred just came out with a new 100K offer (after you spend $15,000 on purchases in the first 3 months) and so I would also look into that as well since you could transfer your points out to different airline and hotel partners and the annual fee is only $95!

Bonus categories

  • Earn 4X on United purchases
  • Earn 2X on dining
  • Earn 2X on all other travel 
  • 1X on all other purchases

The big change with this card is that it earns 4X on United purchases, which was increased from 2X on United purchases. This is a huge change and makes this card significantly more valuable for frequent United Airlines fliers.

There was a negative change with this card though because it now only earns 1X on all purchases and it used to earn 1.5X on all purchases. 

United Club Membership

The big benefit of this card is that it comes with a United Club Membership. Basically, you will be able to get into United airport lounges if you have this card. 

United benefits

When you fly with United you will get your first and second check bags free and you will also get Premier Access. United Premier Access is a collection of benefits that allows certain customers to have a more convenient airport experience from the time of check-in, through the time of boarding, and even when picking up their luggage. 


One of the new benefits is that the card comes with up to $100 in Global Entry or TSA Pre-check credit. Some of the additional benefits include Hertz rental car status, Primary rental car insurance, and 25% off onboard purchases.

 Annual fee

The annual fee for the United Club Card is $525, which is a $75 increase.


Here are what the eligibility rules state:

This product is not available to either (i) current Cardmembers of any United Club credit card, or (ii) previous Cardmembers of any United Club credit card who received a new Cardmember bonus for this credit card within the last 24 months. If you are an existing United Club Visa Signature Cardmember and would like this product, please call the number on the back of your card to see if you are eligible for a product change.

So if you currently hold the old United club credit card or if you received a new card number bonus for that card in the last 24 months then you will not be eligible for this card unless you product change. 

Final word

Overall, the United Club Infinite Card is now an extremely attractive card for someone who spends a lot on United. Earning 4X on your primary airline is extremely competitive and you could easily offset that increased annual fee with substantial spend.

UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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