Information is accurate as of the publish date. Some offers are no longer available.
The United Club Infinite Card — a co-branded premium travel option from Chase — just got a major new welcome offer that puts it among only a few cards with welcome bonuses over 100,000 points or miles.
For a limited time, you can earn a whopping 120,000 miles when you spend at least $6,000 within three months of account opening. For United Airlines loyalists, that can lead to hundreds in savings and several free award flights.
But before you apply, make sure the United Club Infinite Card is right for your spending and travel plans. It’s the most premium option among co-branded Chase and United Airlines cards, with a costly annual fee of $525.
Here’s what else you need to know about this new welcome offer, and how to decide if the United Club Infinite Card is right for you:
How to Maximize the United Club Infinite Card Welcome Offer
The United Club Infinite Card’s latest welcome offer is a big increase from the card’s previous bonus. Before, new cardholders could earn 80,000 miles after spending $5,000 within the first three months. Now, for a total $6,000 spend in the first three months from account opening, you’ll earn 120,000 bonus miles.
And those extra 40,000 miles can go a long way. Though the card is issued by Chase, it earns rewards under United’s MileagePlus loyalty program. United miles are dynamic, so your redemption value can vary based on when you book and your travel itinerary. Based on our latest calculations, we value United miles around 1.6 cents each — but even if you’re only able to redeem at a standard value of 1 cent per mile, this card’s bonus could net you over $1,000 in award flights.
Here’s a few examples of redemption options:
Say you want to fly round trip from New York to Paris for a week in early October. For a total 49,000 miles (plus $86 in taxes and fees) you could book a round trip, nonstop trip from Oct. 1-8. If you were to pay for the same trip in dollars, you’d pay a total $1,355, including taxes and fees. That makes the overall value of your miles for this trip exceptional: over 2 cents per mile.
Not every trip will work out the same, though. Consider instead a trip from Los Angeles to Miami for the same duration on the same dates in October. Using miles, you’ll pay 25,000 miles and $11 in taxes and fees for a nonstop round trip ticket. In dollars, the same flights equal $387, including taxes and fees. You’ll still come out on top using miles, but the value is more modest: about 1.3 cents per mile.
Another way to maximize your miles is to monitor United’s featured award flight deals, which update regularly.
There are limitations to scoring the welcome offer that you should know if you’re already a Chase cardholder, though. You cannot earn the bonus miles if you have any United Club card already, or if you’ve received a new cardmember offer for any United Club card in the past 24 months.
More Ways to Maximize the United Club Infinite Card
If you’re a frequent traveler and you prefer flying with United Airlines, the United Club Infinite card could be worth considering, even beyond its welcome offer. But it is a card best suited for those who travel often.
You’re most likely to recoup the $525 annual fee cost by taking advantage of this card’s many travel-related perks, including:
- United Club membership — includes access to United Club and participating Star Alliance airport lounges worldwide; this benefit alone can be worth up to a $650 value per year
- Free first and second checked bags for you and a companion — worth up to $320 per round trip flight
- Up to $100 Global Entry or TSA PreCheck fee credit every four years
- 25% back on select United in-flight purchases
- Reach status with United faster with card spend
- Save 10% on United Economy award flights
- IHG Rewards Platinum Elite status
- $70 discount on Clear annual membership — also get 10,000 miles if you sign up for Clear membership with your card before June 30, 2022
- Premier Access travel services — priority check-in, boarding, and security where available
- Travel and purchase protections
As for ongoing rewards, you can earn MileagePlus miles in a few different bonus categories:
- 4x miles on purchases from United — including tickets, in-flight food, WiFi, and more
- 2x miles on all other travel — other airfare, trains, local transit, cruise lines, hotels, car rentals, taxis, resorts, rideshare services, and tolls
- 2x miles on dining (including eligible delivery services)
- 1 mile per dollar on everything else
Before you apply, compare these benefits and rewards with how you prefer to travel. The airport lounge benefit can go a long way toward offsetting the $525 annual fee, for example, but if you don’t typically spend time in airport lounges, you won’t get much value.
And even though the sky-high welcome offer is a great deal, this card’s high price could outweigh the value of those miles quickly if you don’t save much using the card long-term. Like with any new card, also make sure you pay your balances in full and on time to avoid taking on debt at this card’s high ongoing APR.
Other Travel Cards to Consider
A welcome bonus worth over 100,000 miles can be extremely valuable, but if you don’t travel very frequently or don’t always prefer to fly with United Airlines, this card may not have the most ongoing value for you.
Here are a few more of our favorite travel card options to consider before booking your next flight: