WorthTheFeeWorth The Fee

Is the Chase United Club Infinite worth the $695 annual fee?

Only if the value you actually use clears $695. Chase advertises up to $920 across 17 benefits, but 4 require enrollment and 17 expire on a deadline. Here is the math, from the issuer’s own terms.

Source review in progress for this card. This page is unlisted until every figure is confirmed against Chase’s official terms.

The short answer

Annual fee
$695
Charged whether you use anything or not.
Break-even
$695
Value you must actually use to come out even.
Auto-counted value
$0
Nothing on this card counts automatically.

What the $920 is actually made of

Auto-counted
$0
Posts automatically. Counted in full.
Capturable
$920
Real credits you must use before they expire.
Earned, not given
$0
Requires spend or a condition. Never counted for you.

Advertised totals assume perfect usage. That is why we separate value that arrives on its own from value you have to chase, and never count value you have to earn.

Illustrative fee example

Auto-counted value$0
Capturable value used (half of $920)$460
Earned, not given$0
Annual fee− $695
Net value−$235 · CANCEL

Example only — your result depends on what you actually use. Assumes every auto-counted credit posts, half of the capturable credit value is actually used, and no conditional value is counted.

Every tracked benefit, and what it takes to get it

Instacart

Two $10 Instacart credits monthly, up to $240 each calendar year. Benefits end 12/31/27.

Resets monthlyEnrollment requiredTwo $10 credits per month while an Instacart+ membership is active - activate at instacart.com/p/chase-united by 12/31/27. Each credit requires one order of $10 or more at a SINGLE retailer; limit one credit per order. Credits do NOT roll over into the following month. Excludes taxes, service and delivery fees, tips and restaurant orders powered by Uber Eats. The complimentary Instacart+ term auto-bills $99 a year at the then-current rate unless cancelled. Delivered as in-app Instacart credit, not a statement credit.
$240
Renowned Hotels
Resets once a yearPrepaid bookings
$200
JSX credit
Resets once a year
$200
Rideshare Credit

Up to $12/mo Jan-Nov and $18 in December as statement credits on rideshare purchases, up to $150 each calendar year. Yearly opt-in required.

Resets once a yearEnrollment required$12/mo Jan-Nov, $18 Dec; enrollment required
$150
Avis/Budget TravelBank credit

$50 in United TravelBank cash for your 1st and 2nd Avis or Budget rental, up to $100 each anniversary year.

Resets once a year
$100
Global Entry / TSA PreCheck
Resets on a multi-year cycleOne statement credit up to $120 every four years, for Global Entry OR TSA PreCheck OR NEXUS - whichever program fee is charged to the card first. The terms state the four-year period without naming a start anchor, so the anchor is left unverified rather than guessed. Purchases through third parties such as travel agencies or application assistance services are not eligible.
$30
Premier Access
Resets once a yearPriority check-in, security screening, boarding and baggage handling. Primary cardmember plus companions on the SAME reservation; authorized users qualify only when on that reservation. The MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Allow 2 weeks after account opening. Per reservation, not a periodic allowance, so no reset anchor is asserted.
$0
First and Second Checked Bags Free
Resets once a yearPrimary cardmember plus one traveling companion on the SAME reservation; authorized users qualify only when on that reservation. The ticket must be purchased with this card - waived for flights completed in the first 90 days after account open - and the MileagePlus number must be in the reservation. United and United Express operated flights only; codeshare partner flights are excluded. Cardmembers already exempt from checked baggage charges receive no additional free bags. Per reservation, not a periodic allowance, so no reset anchor is asserted.
$0
United Club All Access ($50k spend or Premier Gold)
Resets once a yearRequires $50,000 spendUnlocked by exceeding $50,000 in net purchases in a calendar year OR by holding Premier Gold status or higher. Adds Star Alliance lounge access and a second adult guest (two adults, or one adult plus dependent children under 18). VALIDITY IS STATED INCONSISTENTLY IN THE ISSUER TERMS: one paragraph says the remainder of the calendar year plus the following calendar year, another says the remainder of the calendar year plus the end of the next United program year. Those are not the same object - re-verify before modelling the second-year tail. Purchases made on a different United card before an upgrade do not count toward the threshold.
$0
United Club Card Membership
Resets once a yearPrimary cardmember only - authorized users receive no membership of their own and get access only when accompanying the primary as an eligible guest. Allows one adult guest plus dependent children under 18 per visit. A same-day boarding pass on a United, Star Alliance or contracted partner operated flight is required for entry, at the departure or arrival airport only (airline terms, not issuer terms). Does NOT cover United Polaris or United Arrivals lounges, and does NOT include Star Alliance lounges on the base membership. Renews automatically on each credit card anniversary date; cancelled on account closure. Allow 2 weeks after account open for activation.
$0
25% Back on United Inflight and Club Premium Drinks

25% statement credit on United inflight purchases and Club premium drinks.

Resets once a year25% back as a statement credit on food, beverage and Wi-Fi purchases on board United and United Express operated flights, on Wi-Fi subscriptions, and on premium drink purchases at United Clubs. Authorized-user purchases on the account also qualify. NO CAP IS PUBLISHED anywhere in the terms - an uncapped percentage credit is unusual and is flagged for re-verification. Posts within 24 hours of the onboard purchase posting, unlike every other credit on this card, which takes 6 to 8 weeks. Value 0 because the benefit is a percentage with no stated ceiling, not a fixed amount.
$0
1,500 Card Bonus PQP

1,500 Premier Qualifying Points each February, with no spend requirement.

Resets once a year1,500 Card Bonus Premier Qualifying Points, posted within 6 to 8 weeks after February 1 each year. No spend required. The account must be open as of December 31 of the prior year and open and not in default at fulfillment. These PQP do NOT count toward the 28,000 PQP calendar-year cap earned from spend. United reserves the right to remove them if the account is closed or downgraded during the qualification year. Paid in PQP, not dollars.
$0
PQP Earning (1 per $15 spend)

Premier Qualifying Points earned from card spend.

Resets once a year1 Premier Qualifying Point per $15 in net purchases, including authorized-user purchases, up to 28,000 PQP within the calendar year. Applies toward Premier status tiers up to and including Premier 1K. NEITHER THE RATE NOR THE CAP IS FIXED: the terms say PQP earn rate, annual cap and qualification requirements may vary by MileagePlus program year and card type, and that United calculates them at its discretion. Allow 6 to 8 weeks after qualifying purchases to post. Paid in PQP, not dollars.
$0
Four United Club One-Time Passes

Four United Club one-time passes each anniversary, if All Access and an AU.

Resets once a yearDOUBLE-CONDITIONAL: four passes are deposited after each cardmember anniversary only if the primary cardmember has United Club All Access membership AND an authorized user at the time of anniversary. No All Access - meaning under $50,000 spend and below Premier Gold - means no passes regardless of the authorized user. Allow 4 weeks to post, and 3 weeks from adding an authorized user before that user may redeem a pass without the primary present. The airline limits each pass to the three hours immediately prior to scheduled departure, and excludes Polaris, Arrivals, Partner and Club Fly locations (airline terms, not issuer terms).
$0
IHG One Rewards Platinum Elite Status

IHG One Rewards Platinum Elite status for the primary cardmember.

Resets once a yearEnrollment requiredREGISTRATION REQUIRED: the primary cardmember must register at united.com/ihgstatus. Allow 4 weeks for IHG to process. Status is held only while the credit card account remains open and the IHG One Rewards membership remains in good standing. Primary cardmember only. No dollar value is stated in the terms.
$0
Avis President's Club

Avis President's Club status, on enrollment.

Resets once a yearEnrollment requiredENROLLMENT REQUIRED: the primary cardmember must enroll at united.com/AvisChaseBenefit. Allow up to 7 business days after enrolling. Once enrolled, the Avis Preferred number must be included in each Avis reservation or the benefits do not apply. Primary cardmember only. No dollar value is stated in the terms.
$0
Award Flight Discounts (10% / 15%)

Reduced mileage pricing on United award flights.

Resets once a yearTWO DIFFERENTLY-SCOPED DISCOUNTS the card page collapses into one line. First: eligible primary cardmembers book United and United Express awards for at least 10% fewer miles, or at least 15% with MileagePlus Premier status. Second, and separate: a 10% Saver Award Discount valid ONLY on Economy Saver Awards in fare classes X and XN, for travel within the continental United States or between the continental US and Canada, applying to all passengers on the primary cardmember reservation. Whether these stack is not stated - re-verify. Excludes Money + Miles tickets, cash tickets and other redemption products. Allow up to 5 weeks to activate after the card is issued.
$0

Who this card is not for

  • Anyone who would use less than $695 of value a year — at that point the fee is a straight loss, no matter how good the card looks on paper.
  • People who will not enroll. 4 of the 17 benefits pay nothing until you opt in.
  • People who dislike deadlines. 17 benefits expire on a schedule and do not roll over.

Official sources

Every fee, credit and restriction on this page is taken from Chase’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.

Verification in progress — this card has not yet been fully reviewed against issuer sources. Issuers change terms without notice. Confirm on the issuer page before applying.

Chase United Club Infinite FAQ

What is the annual fee on the Chase United Club Infinite?

Chase lists the Chase United Club Infinite annual fee at $695. If you hold an older version of the card at a different fee, you can enter your actual fee in the WTF Check so the math reflects what you really pay.

What is the break-even point on the Chase United Club Infinite?

You break even once the value you actually use reaches $695. WorthTheFee tracks 17 benefits worth up to $920 in listed value — that is the maximum, not a guarantee. Unused credits do not count toward break-even.

Do any Chase United Club Infinite benefits count automatically?

No. Every tracked benefit on this card requires you to use it or meet a condition, so WorthTheFee starts your net value at $-695 and only adds value as you confirm usage.

Which Chase United Club Infinite benefits require enrollment?

4 of the 17 tracked benefits require you to enroll before they pay out. An unenrolled credit is worth nothing regardless of what the issuer advertises, so WorthTheFee flags them separately.

How often do the Chase United Club Infinite credits reset?

Credits reset on different clocks: 15 reset once a year, 1 resets monthly, 1 resets on a multi-year cycle. Unused credits do not roll over — when a period ends, that value is gone.

Do unused Chase United Club Infinite credits roll over?

No. Statement credits expire at the end of their period. That is why WorthTheFee counts only the value you confirm you will use, rather than the issuer's advertised total.

Where did WorthTheFee get these Chase United Club Infinite benefit values?

From Chase's own published card and terms pages, linked in the Official sources section on this page. WorthTheFee is not the issuer and does not receive payment to change a verdict.

Run the WTF Check on the Chase United Club Infinite

Mark the credits you would actually use and get your own verdict — Worth It, Watch It, or Cancel. No bank login. No card number.

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