United Club Infinite Card
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) |
20.74% - 27.74% (Verified 01/19/2023)
|
| Balance Transfer APR (Variable APR) |
20.74% - 27.74% (Verified 01/19/2023)
|
| Credit Score Range | 680 - 850 |
| Annual Fee | $525 |
United Club Infinite Card Review
This is a rewards card issued by Chase Bank. If you're wondering whether United Club Infinite 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.
- Signup bonus. Offers a signup bonus of 100000 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 20.74% up to 27.74%.
- 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 $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Airport Lounge Access. Benefits like airport lounge access can add luxury to your travel experience.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 680.
Pros & Cons of United Club Infinite Card
| The Good | The Bad |
|---|---|
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United Club Infinite Card FAQ
Does United Club Infinite Card have a cash back or rewards program?
United Club Infinite Card is a travel rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 4x |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus (Points/Miles) | 100000 |
| 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 100000 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 20.74% up to 27.74%. The card has a variable balance transfer APR that ranges from 20.74% up to 27.74%. 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?
The following fees apply:
| 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.
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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
- Headquarters
-
270 Park Avenue
New York, NY 10017 USA - (877) 242-7372
- Visit Site
- Email Support
Other Services by Chase Bank
View all credit cards offered by Chase Bank
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- 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 |
United Club Infinite Card Community Reviews
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