4×points per dollar
United Airlines
4× on united airlines, the issuer's published rate for the category.
What the United Club℠ Card pays for.
Every perk, coverage and status this card carries, at the issuer's face value.
Browse all cards
Face value of perks
$1,440
5 credits across 2 categories
Annual fee
$695
Charged once a year
Top earn rate
4× points
United Airlines
Discovery begins here
What every dollar returns, by where you spend it. Five categories earn extra on this card; everything else earns the base rate.
2×points per dollar
Dining
2× on dining, the issuer's published rate for the category.
2×points per dollar
Travel
2× on travel, the issuer's published rate for the category.
2×points per dollar
Transit
2× on transit, the issuer's published rate for the category.
2×points per dollar
Tolls
2× on tolls, the issuer's published rate for the category.
1×points per dollar
Everything else
The base rate on all other eligible purchases.
Multipliers are points per dollar, before any transfer or redemption value.
Everything that can be found
Every perk this card carries, grouped by what it pays for, at the issuer's published face value. What you actually keep depends on whether you use them.
Transit
$150 · 1 perk
Rideshare credit
$150Must enroll each calendar year. Benefit starts the month after enrollment.
Access
$1,290 · 4 perks
United club membership credit
$750Unlimited access for primary cardmember and one guest. Guest access may be expanded based on status or authorized users.
Instacart credit
$240Complimentary Instacart+ membership included.
JSX Statement Credit
$200Automatically applied when card is used for purchases directly with JSX; up to $200 annually. (official terms)
Avis budget credit
$100Earn $50 in United TravelBank cash on first two eligible Avis or Budget purchases
5 credits, $1,440 at face value. Figures come from our card database, checked against the issuer's terms. Report a mismatch
See what it would really cost you
Face value is the issuer's best case. Pick the credits you'd use and Which Card works out your effective annual fee, against any other card.
Coverages
Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.
Rental car insurance
Decline the rental company's collision 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.
Purchase protection
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per year.
Extended warranty
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Lost & delayed luggage
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.
Return protection
When you use your covered Visa card to make an eligible purchase, you can get return protection if you are dissatisfied with your item within 90 days of purchase and the merchant will not accept the return.
Elite status
Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.
Global Entry / TSA PreCheck credit
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Infinite card to pay the application fee (currently $120) to receive a $120 statement credit.
Earn up to 28,000 Premier® qualifying points (PQP)
You'll earn 1 PQP for every $15 you spend on purchases with your Club Card, up to 28,000 PQP in a calendar year. This can be applied toward your Premier® status qualification, up to and including the Premier 1K® level.
Free first and second checked bags
The primary Cardmember and one companion traveling on the same reservation will each receive their first and second standard 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) on United-operated flights when the primary Cardmember includes their United MileagePlus® number in their reservation and purchases their tickets from United with their card. For complete details, please visit .
Global Entry, TSA PreCheck® or NEXUS fee credit
Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
Golf Benefits from Troon Rewards®
Your Visa Infinite card entitles you to automatic Platinum Status when you sign up for Troon Rewards®, for 20% saving on golf fees, merchandise and lessons at over 150 golf courses across the United States and world.
IHG One Rewards Platinum Elite status
The primary Cardmember is eligible for Platinum Elite status in IHG One Rewards (enhance your stay with complimentary room upgrades and extended check-out as available, earn points towards free nights and elite points that never expire). Plus, receive up to $75 in statement credits as reimbursement for IHG® Hotels and Resorts purchases charged to your card from January 1, 2023, through December 31, 2023.
Lost Luggage Reimbursement
When you use your covered card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection by the airline or common carrier.
Premier Access® Travel Services
Receive preferential treatment to ease your way through the airport with priority check-in, security screening, boarding, and baggage handling privileges (where available).
Premier upgrades on award tickets
The primary Cardmember who has MileagePlus® Premier® status and is traveling on an award ticket and one companion that is traveling on the same reservation are eligible for Complimentary Premier Upgrades on select United- and United Express-operated flights, subject to availability.
Receive 1,500 Card Bonus Premier® qualifying points (PQP)
Get a jump start on earning Premier status with 1,500 Card Bonus Premier qualifying points (PQP) each year. PQP can be applied toward your Premier® status qualification, up to and including the Premier 1K® level. Your Card Bonus PQP will be applied to your MileagePlus account within 6 to 8 weeks after February 1 each year, starting in 2026. Your Club Card must be open as of December 31 of the prior year and must be open when PQP are applied.
Start earning immediately
We'll build your wallet dashboard instantly, with every reset deadline and a note on any credit that needs a sign-up first, so you can begin earning from day one.
