Is the United Club Infinite Card worth $695/yr?

The honest math on the United Club Infinite Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $695 annual fee.

Chase · $695 annual fee · earns United MileagePlus miles

Earning rates

5x United purchases
5x Renowned Hotels & Resorts prepaid stays
2x Dining worldwide
2x Other travel - flights
2x Other travel - hotels
2x Other travel (trains, transit, cruises, car rentals, tolls)
1x Everything else

Statement credits (8)

$200 Renowned Hotels & Resorts Credit — Up to $200 back each year on prepaid stays booked directly through Renowned Hotels and Resorts for United Cardmembers via Chase Travel.
$150/year Rideshare Credit — Up to $12 back each month (Jan-Nov) and up to $18 back in December on U.S. rideshare purchases - $150 a calendar year - and you must re-opt-in every year.
$100 Avis/Budget Rental Credit — Up to $50 back on each of your first two Avis or Budget rentals per cardmember year (up to $100), booked directly through cars.united.com.
$20/month Instacart Credit — Two $10 credits each month in the Instacart app (up to $240/yr), plus a complimentary Instacart+ membership - benefits run through December 31, 2027.
JSX Flight Credit — Up to $200 back per cardmember year on JSX semi-private flights booked directly with JSX.
Global Entry / TSA PreCheck / NEXUS Credit — $120 application-fee credit once every 4 years (~$30/yr).
10,000-Mile Award Flight Discount — 10,000 miles off one United award flight each calendar year you spend $20,000 on the card - valued at your selected cents-per-mile.
Second 10,000-Mile Award Flight Discount — A second 10,000-mile award flight discount once your calendar-year card spend reaches $40,000.

Protections and perks (21)

United Club Membership — Unlimited United Club access for the primary cardmember plus one adult guest (or dependents under 18) at 45+ locations worldwide - a $750+ value Chase markets on its own.
First Checked Bag Free — Your first standard checked bag flies free on United - the airline now charges $45 each way for it.
Second Checked Bag Free — Your second standard checked bag flies free on United too - the airline now charges $55 each way for it.
Premier Access Travel Services — Priority check-in, security screening, boarding, and baggage handling on United and United Express flights (where available).
25% Back on United Inflight & Club Purchases — 25% back as a statement credit on United inflight WiFi, food, and drinks, and on United Club premium drinks.
Premier Qualifying Points on Spend + Annual Bonus — 1 Premier Qualifying Point per $15 spent (up to 28,000 PQP/yr) plus 1,500 bonus PQP deposited automatically every year - status progress, not redeemable miles.
Premier Upgrades on Award Tickets — If you already hold Premier status, you (and one companion on the reservation) become eligible for complimentary upgrades on award tickets, not just paid fares.
IHG One Rewards Platinum Elite Status — Complimentary IHG One Rewards Platinum Elite status (requires separate registration).
Avis President's Club Membership — Complimentary enrollment in Avis President's Club - guaranteed availability, complimentary upgrades, and expedited counter service.
Primary Rental Car Coverage — Primary collision/damage coverage on rentals paid with the card, worldwide - decline the counter CDW.
Trip Cancellation / Interruption — Up to $10,000 per covered traveler, $20,000 per trip, and $40,000 per 12-month period per account for prepaid, non-refundable travel cancelled for covered reasons.
Trip Delay Reimbursement — Up to $500 per covered traveler per trip when common-carrier travel is delayed more than 12 hours or requires an overnight stay.
Baggage Delay Insurance — Up to $100 a day (up to 3 days) for essentials when bags are delayed over 6 hours.
Lost Luggage Reimbursement — Up to $3,000 per covered traveler per trip for checked or carry-on luggage that's lost, damaged, or stolen.
Purchase Protection — New purchases covered 120 days against theft, damage, or involuntary/accidental parting, up to $10,000 per item.
Extended Warranty — Adds a year to eligible U.S. manufacturer warranties of 3 years or less, up to $10,000 per item.
Return Protection — Up to $500 per item if a store won't take back an eligible return within 90 days.
Roadside Assistance — Towing, tire change, battery jump-start, fuel delivery, lockout, and winching - no membership or enrollment needed.
Travel Accident Insurance — Up to $100,000 for a 24-hour travel accident, or $500,000 if the accident occurs on a common carrier you charged to the card.
Emergency Evacuation & Transportation — Up to $1,000,000 for emergency medical evacuation and transportation on covered trips.
No Foreign Transaction Fees — No surcharge on purchases abroad.

Card data verified against Chase on 2026-08-21.

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