Access United Club lounges and earn elevated MileagePlus rewards

The New United Club℠ Infinite Card: Calculator & Premium Travel Value

Fees

Earning Rates

9X total miles on United flights, plus more if you're a Premier member.
4X miles on all other eligible United® purchases.
5X miles on hotel stays prepaid through Renowned Hotels and Resorts.
2X miles on all other travel and on dining purchases, including eligible delivery services.
1X mile on all other purchases.

Main Benefits

Complimentary United Club membership — $750 value per year.
Over $675 in annual partner credits.
Free first and second checked bags.
Premier Access travel services.
Earn a 10K-mile award flight discount up to 2 times per year.
Start the year with 1,500 PQPs and earn up to 28K PQPs via card spend annually.

Our Take

If you want United Club access, this is the card to go for. You'll save over $100 when compared to upright purchasing membership through United.

Last Updated: 04-04-2025

United Club Infinite Card miles calculator

Use the calculator to project how many miles you'll earn with the United Club Infinite Card. Factor in premium perks like lounge access, expanded award availability, and compare total value against other high-tier travel cards.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

The New United Club℠ Infinite Card Details

How to earn miles with the United Club Infinite Card

The United Club Infinite Card earns United miles at the following rates:

9 miles total per $1 spent on United flights—5X miles on fare as a MileagePlus member, plus 4X miles using the card.
4 miles per $1 spent on all other United purchases including in-flight food, beverages and Wi-Fi, and more.
5 miles per $1 spent on hotel stays when you prepay directly through Renowned Hotels and Resorts.
2 miles per $1 spent on all other travel purchases, including airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, ride share services and tolls.
2 miles per $1 spent on dining including eligible delivery services.
1 mile per $1 spent on all other purchases.

United Club Infinite Card miles value & calculator

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Key benefits of the United Club Infinite Card

Here are the main highlight of the United Club Infinite Card:

United Club Membership: Enjoy a United Club membership – up to a $750 value per year – as long as you remain a Cardmember. If you already have a United Club membership, you will be reimbursed for the unused portion of your membership once you're approved for the card.
$200 Hotel Credits: Receive up to $200 in credits annually on prepaid hotel stays purchased directly through Renowned Hotels and Resorts.
$150 Rideshare Credits: Receive up to $150 in credits each calendar year on rideshare purchases when you pay with the card. Enrollment required.
$100 United Travel Credits: Receive up to $100 in United travel credits annually when you book Avis or Budget car rentals directly though cars.united.com.
$200 JSX Credit: Receive up to $200 in credits annually on flights purchased directly through JSX with your United Club Card.
$240 Instacart Credit: Receive up to $240 in Instacart credits each calendar year for purchases made directly using your card.
Two Free Checked Bags: Receive the first and second checked bag for free for yourself and up to one companion traveling with you on the same reservation — a savings of up to $360 per roundtrip.
10K-Mile Award Flight Discounts: Earn a 10,000-mile discount after spending $20,000 each calendar year with your United Club Card — up to two times per calendar year.
Earn Premier Qualifying Points: Start the year with 1,500 PQPs. Plus, earn 1 PQP for every $15 you spend on purchases, up to 28,000 PQP in a calendar year.
Global Entry, TSA PreCheck® or NEXUS Fee Credit: Receive a statement credit of up to $120 every 4 years as reimbursement for the application fee for Global Entry, TSA PreCheck® or NEXUS when charged to your card.
IHG One Rewards Platinum Elite Status: As the primary cardholder, enjoy complimentary Platinum Elite status in IHG One Rewards.
Avis President's Club: Enroll in Avis President's Club and enjoy complimentary two-car class upgrades, guaranteed car availability, expedited rental service and more.
Travel & Purchase Coverage: Trip Cancellation Insurance, Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Trip Delay Reimbursement, Lost Luggage Reimbursement, Baggage Delay Insurance, Purchase Protection, Return Protection, and Extended Warranty Protection.

United Club Infinite Card transfer partners & calculator

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United Club Infinite Card fees overview

Annual Fee

The United Club Infinite Card has a $695 annual fee.

United Club membership alone costs a whopping $750, so if you're looking for lounge access, picking up this card is a no-brainer. On top of that, this card offers a handful of easy-to-use credits that can greatly reduce the overall fee of the card.

Authorized User Fee

There is no fee to add additional users to the United Club Infinite Card. Adding additional family and friends can help you earn United miles faster and push you towards higher status in the program thanks to the ability to earn PQPs on spend.

Do note that Authorized Users of the United Club Infinite Card do not receive their own access to United Clubs. Access only applies to the primary cardholder and to additional cardholders if traveling with the Primary cardholder.

Foreign Transaction Fee

The United Club Infinite Card does not have a foreign transaction fee. This means you can use the card outside of the United States to earn miles on your spending without penalty.