Cards
TravelChase
United Club Infinite Card
Key facts
Annual fee$695/yr
Rewards currencyUnited Miles
Recommended creditFair – Good (680+)
Global Entry / TSA PreCheckCredit included
Current sign-up bonus
90,000 after $5000 spent in 3 months (lowest 80k)
Reward rates
2x Dining, including delivery services
5x on hotels prepaid via Renowned Hotels and Resorts (United Travel Portal)
4x on United
2x on All Travel (same categories as CSR Travel credit)
1x on everything else
Annual credits
United purchase credit$125
Effective annual cost$570/yr
Travel benefits
Lounge Access
Complimentary United Club membership for the primary cardmember: cardmember + 1 adult guest (or dependent children under 18) at all 45+ United Club locations worldwide. Upgrading to United Club All Access (via $50K+ calendar-year card spend or Premier Gold+ elite status) raises this to 2 adult guests. Also includes access to participating Star Alliance-affiliated lounges on qualifying international itineraries. Chase values the membership at 'at least $750.'
Trip Cancellation / Interruption
$10,000 per covered traveler; $20,000 per trip across all covered travelers; $40,000 per 12-month period per account.
Trip Delay
Up to $500 per covered traveler, after a 12-hour delay or when an overnight stay is required.
Baggage Delay
$100/day for up to 3 days (max $300), after a 6-hour delay.
Travel Accident Insurance
24-Hour Travel Accident up to $100,000; Common Carrier Travel Accident up to $500,000 (per covered traveler, accidental death/dismemberment).
Emergency Evacuation
Up to $1,000,000 for emergency medical evacuation/transportation.
Purchase protections
Return Protection
Up to $500 per item, $1,000 per 12-month period per account, within 90 days of purchase. Not insurance, per Chase's own terms.
Purchase Protection
Covers theft/damage within 120 days of purchase (90 days for NY residents). Max $10,000 per item, $50,000 per calendar year.
Extended Warranty
Extends U.S. manufacturer's warranty by 1 additional year on warranties of 3 years or less. Max $10,000 per item, $50,000 per calendar year.
Cell Phone Protection
None -- not offered on this card.
Other benefits
Annual Credits
$120 Global Entry / TSA PreCheck: up to $120, resets Multi-year.
Earn Rates
5X miles per $1 on eligible United purchases (combines with base MileagePlus earning for up to 11X total on United flights per Chase's own marketing); 2X miles on dining and other travel purchases; 5X miles on prepaid Renowned Hotel stays booked through the program; 1X mile on all other purchases.
Welcome Bonus (Unconfirmed)
Base public offer commonly reported as 80,000 bonus miles after $5,000 spend in the first 3 months; elevated targeted offers up to 90,000-110,000 miles (sometimes bundled with 3,000 bonus PQP) also circulate, plus 5,000-10,000 bonus miles for adding an authorized user in the first 3 months. Verify the live public offer at chase.com before publishing -- this is a moving target.
Transfer Partners
None in the traditional transferable-currency sense -- earns United MileagePlus miles directly (an airline-specific loyalty currency), redeemable only within United's own award chart/partners.
Lost / Stolen Baggage
Up to $3,000 per covered traveler per trip (max $10,000 per trip across all covered travelers); sub-limits of $500 for jewelry/watches and $500 for cameras/electronics. NY residents limited to $2,000 per bag.
Secondary Rental Car
None -- this card carries Primary coverage instead, except for NY residents with personal auto coverage (see Primary Rental Car).
Primary Rental Car
Primary coverage inside and outside the US (secondary only for NY residents who carry personal auto insurance). Up to $60,000 theft/collision coverage, vehicles with MSRP up to $125,000, max 31 consecutive days.
Foreign Transaction Fee
$0 -- none.
Authorized User Fee (Unconfirmed)
None -- free to add. Authorized users don't get a standalone United Club membership (only access when traveling with the primary cardmember) but do receive 4 one-time United Club passes/year.
Best for
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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