Is the United Club Infinite Card worth it?
$695 annual fee. United Club access + free checked bags + Premier Access. Best for United loyalists who use lounges.
Annual fee
$695
Auto-offsets
$920
$920 credits · $0 auto-perks
Net cost
+$225Pays you to hold
Annual credits & free nights
- redeem
United Club Membership
$750
United Club lounge access (valued ~$750)
- redeem
Free First + Second Checked Bags
$140
First and second checked bags free
- redeem
Global Entry / TSA PreCheck
$30
$120 credit every 4 years
- redeem
Premier Access
$0
Priority check-in, security, and boarding
Earning rates
| Category | Multiplier | Effective return |
|---|---|---|
| united airlines4x on United purchases | 4x | 5.20% |
| airlines | 2x | 2.60% |
| hotels | 2x | 2.60% |
| dining | 2x | 2.60% |
| other | 1x | 1.30% |
The honest answer
Auto-offsets exceed the annual fee, the United Club Infinite Card pays you to hold it before you swipe once. Almost always a hold.
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