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United Club Infinite Card

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Net Recommendation Score 0  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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1 user recommends
0 users are unsure
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 18.74% - 25.74%
Balance Transfer APR  (Variable APR) 18.74% - 25.74%
Credit Score Range 680 - 850
Annual Fee $525

United Club Infinite Card Review

This is a rewards credit card issued by Chase Bank. If you're wondering whether United Club Infinite Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • Generous reward rate. You will get a rewards rate of up to 4 miles per dollar spent.
  • Signup bonus. Offers a signup bonus of 80000 points after spending $5,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 18.74% up to 25.74%.
  • 5% Balance transfer fee. United Club Infinite Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 680.

Pros & Cons of United Club Infinite Card

The Good The Bad
  • Up to $100 as a statement credit for Global Entry or TSA PreCheck™ every 4 year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • United Club Infinite Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • You need good credit to qualify.
  • Charges an annual fee of $525
  • Charges a 5% balance transfer fee.

United Club Infinite Card FAQ

Does United Club Infinite Card have a cash back or rewards program?

United Club Infinite Card is a travel rewards card.

United Club Infinite Card Rewards
Minimum rewards rate 1x
Max rewards rate 4x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 80000
Signup Bonus Spend Requirement $5000
Signup Bonus Spend Period (months) 3 months

Does United Club Infinite Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 80000 points signup bonus after spending $5000 that can be redeemed for travel, gifts, or other perks.

Does United Club Infinite Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the United Club Infinite Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for United Club Infinite Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

United Club Infinite Card has a variable purchase APR that ranges from 18.74% up to 25.74%. The card has a variable balance transfer APR that ranges from 18.74% up to 25.74%. It also has a variable cash advance APR of 27.24% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does United Club Infinite Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does United Club Infinite Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for United Club Infinite Card?

The following fees apply:

United Club Infinite Card Fees
Fees Amount
Annual Fee $525
Foreign Transaction Fee 0%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does United Club Infinite Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for United Club Infinite Card?

The United Club Infinite Card customer service number is (877) 242-7372.

What is the support contact email for United Club Infinite Card?

The support contact email for United Club Infinite Card is customerdepartament@chase.com.

What is the United Club Infinite Card login page?

You can access the United Club Infinite Card login page here.

How do people rate the customer service and user experience of United Club Infinite Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does United Club Infinite Card report your account activity to credit bureaus?

Yes, United Club Infinite Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for United Club Infinite Card

  • Visit the United Club Infinite Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

United Club Infinite Card Disclosure: 80,000 Bonus Miles After You Spend $5,000 On Purchases In The First 3 Months From Account Opening: This product is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months. With this bonus offer, you will qualify and receive 80,000 bonus miles after you make Purchases totaling $5,000 or more during the first 3 months from account opening. (“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6 to 8 weeks for bonus miles to post to your account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus miles do not count toward Premier status. If your account is not open for at least six months, United and Chase reserve the right to deduct the bonus miles from your MileagePlus Program account. Offer subject to change.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:00pm

Other Services by Chase Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
Annual Fee $525
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 680 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
  • Travel Accident Insurance
  • Travel Assistance
  • Concierge
  • Airport Lounge Access
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • 2x Miles on Travel
  • 4x Miles on Airfare
  • 2x Miles on Restaurants
  • 1x Mile on Every Purchase
Signup Bonus (points) 80,000
Cash Advance APR (Variable APR) 27.24%
Balance Computation daily balance method (including new transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 18.74% - 25.74%
Balance Transfer APR (Variable APR) 18.74% - 25.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Travel
  • Airline
  • Bonus Offers
Card Network Visa

United Club Infinite Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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