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Highlights
Purchase APR (Variable APR)
20.49% - 28.99%(Verified 03/25/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
20.49% - 28.99%(Verified 03/25/2025)
Disclaimer popup with additional information
Credit Score Range
680 - 850
Disclaimer popup with additional information
Annual Fee
$695
Disclaimer popup with additional information
The New United Club℠ Card Review
This is a travel card issued by Chase Bank. If you're wondering whether The New United Club℠ Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 4 miles per dollar spent.
- Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.49% up to 28.99%.
- A 5% balance transfer fee. The New United Club℠ 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of United Club Infinite Card
| The Good | The Bad |
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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.
| Description |
Does United Club Infinite Card have a signup bonus?
Yes. Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
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?
The New United Club℠ Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.The New United Club℠ Card has a variable purchase APR that ranges from 20.49% up to 28.99%. The card has a variable balance transfer APR that ranges from 20.49% up to 28.99%. It also has a variable cash advance APR of 29.24% .
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $695 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $695*$525 .
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 customer service number for United Club Infinite Card 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.
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 The New United Club℠ Card report your account activity to credit bureaus?
Yes, The New United Club℠ Card reports to the following credit bureaus:
- 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 build your credit.
Does Chase Bank perform a hard credit pull?
Yes, United Club Infinite Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for United Club Infinite Card
- Visit the website of United Club Infinite Card.
- 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.
The New United Club℠ 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.
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
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Other Credit Cards from Chase Bank
Purchase APR
19.99% - 28.24%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
18.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
740 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 29.24%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0
Purchase APR
20.24% - 28.74%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 28.74%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$795
Disclaimer popup with additional information
Purchase APR
20.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
20.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Purchase APR
19.24% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 27.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
20.49% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
20.49% - 28.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Purchase APR
16.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.99% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
19.99% - 28.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$99
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
0
-1000+100
No one recommends
Everyone recommends
The New United Club℠ Card Community Reviews
Would you recommend The New United Club℠ Card to your friends?
VH
Victoria H.
Aug 26, 2021
May or may not recommend
I don't recommend anything that has a annual fee that is higher than 100 dollars. Lower fee's maybe worth it depending on the benefits but for me, cards like this is just money grabbing for the credit company. Though, again that is my personal opinion. I did a bit of research awhile ago and they do have some good qualities but again... that Annual fee just kills it for me.
HO
Hayden O.
Jan 11, 2021
May or may not recommend
Good credit card with middle of the road APR. I use it because I fly united airlines frequently and I like to earn points toward travel.
If you are on time and smart with payments, this card is an amazing option for earning points toward free travel. Additionally, I live in Denver, and the airport here is a United Hub which means you can fly direct almost anywhere in the ...Show More
Showing 2 of 2 reviews
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