United Club Infinite Card Military 2024 | Fee Waiver, Lounge Access

14,000 grads of the Ultimate Military Credit Cards Course already know why
The Platinum Card® from American Express is my #1 recommended card

Military Money Manual has partnered with CardRatings for our coverage of credit card products and may receive a commission from card issuers. Some or all of the cards that appear on this site are from advertisers and may impact how and where card products appear on the site. This site does not include all card companies or all available card offers. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

The United Club Infinite Card military benefits includes an annual fee waiver for active duty and military spouses.

This card is the most premium United card offered by Chase. Military servicemembers and spouses can earn annual fee waivers on all Chase personal cards.

United Club Infinite Card
Learn how to apply at our partner's secure site

  • Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
  • Earn 4 miles per $1 spent on qualifying United® purchases
  • Earn 2 miles per $1 spent on all other eligible travel and dining purchases with your card
  • Also earn 1 mile per $1 spent on all other purchases
  • Free first and second checked bags – a savings of up to $320 per roundtrip (terms apply) – and Premier Access® travel services
  • 10% United Economy Saver Award discount within the continental U.S. and Canada
  • You can earn up to 10,000 Premier qualifying points (25 PQP for every $500 you spend on purchases)
  • Member FDIC

Earn Up to 4x Miles with United Club℠ Infinite

The United Club Infinite Card offers anywhere from 1-4x MileagePlus miles per dollar spent, as follows:

  • 4x MileagePlus miles for United purchases
  • 2x MileagePlus miles on all other travel purchases
  • 2x MileagePlus miles for dining at restaurants and eligible food delivery services, including Caviar, DoorDash, GrubHub, and Seamless
  • 1x MileagePlus miles for all other eligible purchases

United Club Infinite Annual Fee

The annual fee on the card is $525. However, this fee is 100% waived for US military personnel and their spouses under the Chase interpretation of the Military Lending Act.

You can check your status in the Military Lending Act Database if you are curious if you will qualify for the fee waiver.

United Club Infinite Benefits

United Club Membership

The primary benefit of the United Club Infinite Card is the United Club membership. This gives you access to United Clubs and participating Star Alliance lounges. The purchase price of United Club membership is $550 to $650 per year.

United states on their website that:

We are pleased to invite active duty military members in uniform or with present leave orders or rest and recuperation papers to visit our United Club℠ locations on the same day they are traveling on a United- or United Express®-operated flight. Please present your military ID, your boarding pass and sponsoring documentation for entry. Access is available to active duty military members and family members with gate passes or traveling on the same flight as the military member and is subject to each location’s capacity and seating availability. For more information about our United Club locations, please see the Club and Lounge Access page.

United Military Policies

However, in practice I have found United lounge access to be hit or miss for military travelers, especially when not in uniform. With a United Club Infinite card, you can avoid any awkward conversations about your access to the lounge.

Global Entry Or TSA PreCheck Credit

This United card offers up to $100 as a statement credit for Global Entry, TSA PreCheck, or NEXUS every four years. Charge the enrollment fee to your card and is automatically reimbursed. You can do this for a friend or spouse.

Global Entry is the right choice for military servicemembers, as they get free TSA PreCheck with a DOD ID. Military spouses can also benefit from opening up a card with Global Entry credit.

25% Back on United Inflight Purchases

With the United Club Infinite Card you can earn 25% back as a statement credit on any purchases of food, beverages, and Wi-FI onboard a United flight. Pay with your card and you should see the account credit in 24 hours.

This can be a good way to save on mid-flight entertainment or snacks.

United Quest℠ Card vs United Infinite Card

Another popular United credit card is the United Quest℠ Card. The Quest Card does not offer airport lounge access.

Both the United Quest Card and United Club Infinite Card can be a great way to earn extra United miles and get to your next destination faster and cheaper.

As a military servicemember or military spouse, you could open both cards and not pay an annual fee. If you want to choose between the two cards, I recommend the United Club Infinite Card.

What credit score is needed for United Club Infinite?

A good credit card of 670 or higher is required for the United Club Infinite card.

Does the United Club Infinite count towards 5/24?

Yes, the United Club Infinite card does count towards the Chase 5 cards in 24 months or 5/24 rule.

Is the United Club Infinite Card worth it?

If you fly United often and you don't need to pay the annual fee if you're in the military, then yes, the card is worth it! The United Club lounge access benefits are great, plus you can earn a large welcome bonus.

What is the United Club Infinite annual fee?

The United Club Infinite annual fee is $525.

Is the United Club Infinite annual fee waived for military?

Yes, the United Club Infinite card waives the annual fee for military as part of the Chase Military Lending Act or MLA program.

Leave a Comment

This site uses Akismet to reduce spam. Learn how your comment data is processed.