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United Club Infinite review: lounge access at $695 a year

A United Club membership, two free checked bags and a stack of annual credits, wrapped in the most expensive airline card fee on the market. The math only works if you fly United often.

CTBy the Credairy teamUpdated August 30, 2026
✓Edited by the Credairy team

We are not a bank and we do not approve applications. Every rate and fee here comes from the issuer and was checked on August 30, 2026.

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The verdict

The United Club membership alone can cover most of the fee if you fly United regularly, since buying that membership outright costs more. If you fly a few times a year, the math does not work and a cheaper United card gets you the useful parts.Jump to:The full review
Official Website Takes you to chase.com. Rates and fees as published by the issuer.
United Club Infinite Card
Regular APR19.74% to 28.24% variable APRissuer terms, checked Aug 30, 2026
Rewards rateUp to 11X total miles on eligible United flights, 5X on other United purchases, 2X on travel and dining, 1X elsewhere
Credit lineSet at approval
Intro APRNo intro APR offer
Who can applyExcellent credit
How to applyOnline at chase.com, or at a branch

Rates and fees in detail

More details

  • United Club membership with access to United Club locations and participating Star Alliance lounges, plus eligible guests.
  • First and second checked bags free for the cardholder and a companion on United flights.
  • Annual partner credits, including ride-hailing and grocery delivery credits that require opting in.
  • Welcome offers have moved around during 2026, so check the offer live on the application page.
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Pros and cons

What works

  • United Club membership included, which costs more bought separately

  • Two free checked bags for you and a companion

  • Highest United earning rate of the co-branded cards

  • No foreign transaction fee

What does not

  • $695 a year, the steepest airline card fee out there

  • No intro APR offer at all

  • Credits need opting in and only pay off if you use those services

  • Miles are most valuable on United and Star Alliance

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The full review

This is a lounge card first and a rewards card second. The United Club membership is the reason to hold it, and for someone flying eighteen segments a year the value is not theoretical: lounge access on every trip, plus guests, plus two checked bags for two people.

The 2026 fee increase to $695 changed the calculation for everyone else. The new credits soften it, but credits only count when you would have spent that money anyway, and several of them require you to opt in each year.

Miles are worth the most on United metal and Star Alliance partners, where premium-cabin redemptions can go far beyond a cent per mile. Redeemed for gift cards or merchandise, they are worth notably less.

» MORE: A travel card with no annual fee

» MORE: A travel card for Air Canada flyers

The basics

Annual fee: $695

Lounge access: United Club membership included

Regular APR: 19.74% to 28.24% variable

Foreign transaction fee: none

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How it compares

United Club Infinite Card
Official Website
Regular APR19.74% to 28.24% variable APR checked Aug 30, 2026
Credit lineSet at approval
Rewards rateUp to 11X on eligible United flights
Who can applyExcellent credit
Wells Fargo Autograph Card
Official Website
Regular APR18.49%, 24.49% or 28.49% variable APR checked Aug 30, 2026
Credit lineSet at approval
Rewards rate3X on six everyday categories
Who can applyGood credit
TD Aeroplan Visa Infinite (Canada)
Official Website
Regular APR20.99% purchase rate (CAD) TD published rate, checked Aug 30, 2026
Credit lineSet at approval
Rewards rate1.5 points per dollar on gas, groceries and Air Canada
Who can applyC$60,000 personal income

Issuer terms as published, checked Aug 30, 2026. The TD card is issued in Canada and priced in Canadian dollars.

Compare before you applySee every card we cover side by side, with the rates and fees each issuer publishes.
See all cards

Common questions

Is the annual fee really $695?
Yes. It rose from $525 during 2026, applying immediately to new applicants and at renewal for existing cardholders.
Who gets into the lounge with me?
The membership covers the primary cardholder and eligible travel companions, including one adult guest and dependent children under the terms United publishes.
Is there a 0% intro offer?
No. This card has no promotional APR on purchases or balance transfers, so a carried balance accrues interest at the ongoing rate.

About the author

CT

Credairy team

We compare credit cards using the terms issuers publish, and we say plainly when a card only works for a narrow kind of spender.