United Club Infinite Card Review (2026): Benefits, Rewards & Value
United's top-tier co-brand card with a United Club membership, premium travel perks, and a deep set of rideshare, Instacart, and travel statement credits.
United Club Infinite Card Guide
United's top-tier co-brand card with a United Club membership, premium travel perks, and a deep set of rideshare, Instacart, and travel statement credits.
ANNUAL FEE
$695
WELCOME BONUS
Earn 90,000 bonus miles after spending $5,000 in the first 3 months
POINTS VALUE
~1.3¢ per United mile
TRANSFER PARTNERS
0
In This Guide:
Transfer Partners
| Transfer Partner | Transfer Ratio | Transfer Time | Transfer Bonuses |
|---|
Annual Credits & Benefits
Rideshare Credit
Monthly ($12/month, $18 in December)
Up to $150 back each calendar year on rideshare purchases ($12/month January–November and up to $18 in December). Enrollment required.
Pro Tip: Use the monthly rideshare credit on Uber, Lyft, or other eligible providers — it doesn't roll over.
Instacart Credit
Monthly ($20/month)
Two $10 Instacart credits each month (up to $240 annually) on purchases through Instacart, plus a complimentary Instacart+ membership. Enrollment required.
Pro Tip: Place two qualifying Instacart orders each month to capture the full $20 — credits don't roll over.
JSX Credit
Calendar year
Up to $200 in statement credits each year on JSX hop-on jet purchases.
Pro Tip: If you fly JSX, the credit covers up to $200 of fares each year.
Avis or Budget Credit
Calendar year
Up to $100 in statement credits each year on eligible Avis or Budget car rentals.
Pro Tip: Book Avis or Budget rentals on the card to capture up to $100 a year.
Is the United Club Infinite Card Worth the $695 Annual Fee?
Ideal For:
- Frequent United flyers
- United Club membership
- Statement credits
Not Ideal For:
- Infrequent travelers who rarely fly or stay at hotels
- Those who prefer cash back over travel rewards
- Budget-conscious consumers who don't want to pay an annual fee
Value Calculation Example
Here's a conservative estimate of annual value for a typical cardholder who uses most, but not all benefits:
| Benefit | Face Value | Realistic Value | Notes |
|---|---|---|---|
| Welcome Bonus | $90 | $90 | First year only |
| Rideshare Credit | $150 | $150 | Monthly ($12/month, $18 in December) |
| Instacart Credit | $240 | $240 | Monthly ($20/month) |
| JSX Credit | $200 | $200 | Calendar year |
| Avis or Budget Credit | $100 | $100 | Calendar year |
| United Club membership (admits guests) | $100+ | $100 | Estimated value |
| Up to $150 annual rideshare credit | $100+ | $100 | Estimated value |
| Annual Fee | -$695 | -$695 | Yearly cost |
| TOTAL VALUE | Varies | Varies | $1,000+ over annual fee |
This calculation doesn't include the welcome bonus value in the first year, which could add significant additional value. Actual value depends on your specific usage patterns.
How to Earn Points
Sweet Spot Redemptions
| Route/Redemption | Points Required | Transfer Partner | Notes |
|---|
Advanced Tips & Tricks
Pro Insider Tips
Frequently Asked Questions
How We Rate & Review Credit Cards
CreditMilesGuru's editorial team evaluates credit cards based on annual fee value, welcome bonus, ongoing earn rates, transfer partner quality, travel protections, credits and perks, and current competitive landscape. Our ratings reflect independent analysis — we are not paid by card issuers to rate cards favorably. Annual fee corrections and benefit updates are applied as they are confirmed by issuers. This review was last updated June 2026.
Ready to Apply?
The United Club Infinite Card offers exceptional benefits and rewards that make it a valuable addition to your wallet. United's top-tier co-brand card with a United Club membership, premium travel perks, and a deep set of rideshare, Instacart, and travel statement credits.