United Club Infinite Card by Chase: 5x flights / airfare, 5x hotels, 2x dining & restaurants, 2x travel (broad), 1x everything else. $695 annual fee.…
The United Club Infinite Card is Chase's premium credit card. The $695/yr annual fee includes a 90,000-point welcome bonus after spending $5,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Rideshare credit | $150/mo | $12/mo Jan-Nov + $18 Dec in statement credits on rideshare purchases |
| Instacart credit | $240/mo | Two $10 Instacart credits monthly ($20/mo) for purchases made directly through Instacart; includes complimentary Instacart+ membership |
| JSX flight credit | $200/yr | Up to $200/yr in statement credits for flights booked directly with JSX |
| Renowned Hotels credit | $200/yr | Up to $200/yr in statement credits on prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers; includes $100 property credit, daily breakfast for two, Wi-Fi, room upgrade subject to availability |
| Avis/Budget TravelBank cash | $100/yr | $50 in United TravelBank cash for each of your 1st and 2nd Avis or Budget rental booked through cars.united.com (up to $100/yr) |
| Global Entry / TSA PreCheck / NEXUS application fee | $120/quadrennial | Statement credit up to $120 every four years as reimbursement for Global Entry, TSA PreCheck, or NEXUS application fee charged to the card. |
Welcome bonus value (year one): ~$1215. Annual statement credits: $1010. Minus the $695 annual fee = ~$1530 in year-one net value before any spending earn. RewardsGuru rating: 2.7/5 — based on our net-value methodology.
Best fit: frequent travelers who can use the lounge access, statement credits, and elevated earn rates on travel and dining. Skip if: you'd let the annual statement credits expire unused or you only travel 1-2x per year.
90,000 points after spending $5,000 in the first 3 months. At our ~1.35¢/pt valuation, that's roughly $1215 in real value.
Year-one math: welcome bonus value (~$1215) + annual credits ($1010) − $695 fee = ~$1530 net before spending earn. Year-two onward, the credits alone need to clear $695 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
6 recurring statement credits: Rideshare credit ($150/mo), Instacart credit ($240/mo), JSX flight credit ($200/yr), Renowned Hotels credit ($200/yr), Avis/Budget TravelBank cash ($100/yr), Global Entry / TSA PreCheck / NEXUS application fee ($120). Total: $1010/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Chase's product page has the current rate.