The United Club℠ Infinite Card, issued by Chase, is a premium contender in the market.
United Club℠ Infinite Card Payoff Analysis
United Club℠ Infinite Card Payoff Analysis
This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.
Time to Pay Off
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Rewards Earned
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Interest Paid
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Interest Earned
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Interest earned by keeping your cash in a yield-bearing account during the grace period.
Formula: Balance × (APY / 365) × Days. --
Formula: Balance × (APY / 365) × Days. --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.
Snapshot
United Club℠ Infinite Card | |
|---|---|
| Issuer | Chase |
| Network | Visa (Visa Infinite) |
| Card Material | Metal |
| Annual Fee | $695.00 |
| Base Rate | 1.00% |
| Travel Rewards | 2.00x |
| Authorized User Fee | $175.00 |
| Foreign Transaction Fee | None |
| Credit Reporting | Ex, Eq, Tu |
| Product Lifecycle | Available (4y ago) |
| Minimum Credit Line | N/A |
Welcome Offer
| Bonus | 80,000 United Miles |
| Spend Requirement | $5,000 |
| Timeline | 90 days |
| Efficiency Score | 16.00 pts/$1 |
| Cash Back Value | — |
| Portal Travel Value | — |
| Transfer Estimated Value | $1,170 |
Rewards Breakdown
| Base Rate | 1.00% |
| Dining | 2.0x |
| Other United Purchases | 5.0x |
| Renowned Hotels & Resorts | 5.0x |
| Travel | 2.0x |
| United Flights (card bonus) | 5.0x |
| Anniversary Bonus | None |
| Portal Boost | 1x |
Pricing Details
| Purchase APR | 19.74% - 28.24% |
| Cash Advance Fee | 5% |
| Balance Transfer Fee | 5% |
| Late Payment Fee | Up to $40 |
| Minimum Interest Charge | $0.00 |
| Grace Period | 21 days |
| Penalty APR | 29.99% |
Official Resources
Benefits & Partners
| Transfer Partners | None |
| Annual Credits | None |
| Partnership Benefits | 2 Programs |
| Premier Access Perk | Priority check-in, security screening, boarding, and baggage handling |
| United Club Membership Perk | Unlimited lounge visits for cardholder + 1 adult guest |
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay |
| Customer Service | 24/7 Direct Specialist |
| Instant Use | Available |
Strategy & Eligibility
| Min. Credit Score | 720+ |
| Recommended Range | Excellent |
| Chase 5/24 Rule | Strict (Chase) |
| Lifetime Restriction | None |
| Active Family Restriction | No |
| Closure Grace Period | None |
Comparisons
See how the United Club℠ Infinite Card compares to other cards.