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United Club Infinite Credit Card Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Chase and United Airlines made a splash in the luxury travel card world with the March 2020 debut of the United Club℠ Infinite Card. It’s United’s most expensive card, with an annual fee of $525 per year, but it offers enough in the way of luxury benefits that frequent United flyers with deep pockets may very well find this card worthwhile.

United Club℠ Infinite Card pros

Generous sign-up bonus. Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. Offer ends May 18, 2020.

Strong rewards. Earn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.

The highest rewards rate spent on United purchases also includes spending on United Events from Chase (more info below). And the “other travel” category  includes airfare, trains, local transit, cruise lines, hotels, car rentals, taxicabs, resorts, rideshare services and tolls.

Fee credit for Global Entry or TSA Precheck. Charge your application fee for Global Entry or TSA Precheck to this card and take advantage of a statement credit of up to $100 every four years as reimbursement.

Lounge access. This card comes with a United Club membership, allowing the cardholder and eligible travel companions to access more than 45 United Club airport lounge locations, as well as participating Star Alliance-affiliated lounges worldwide.

Your first two checked bags are free. The primary cardholder, as well as one companion traveling on the same reservation, can each get up to two checked bags at no cost — assuming the tickets were purchased from United with the United Club℠ Infinite Card. United estimates the value of the first checked bag at $35 one way and the second checked bag at $45 one way, meaning that if two travelers each take two bags on a roundtrip flight, that’s $320 saved.

Travel benefits, including:

  • Trip cancellation/trip interruption insurance. This covers reimbursement up to $10,000 per person and $20,000 per trip if your trip is cut short by sickness, severe weather, and other covered situations.
  • Baggage delay insurance. When your baggage is delayed for more than six hours, this benefit offers reimbursement for essential purchases such as toiletries and clothing, up to $100 a day for three days.
  • Lost luggage reimbursement. This benefit covers checked and carry-on luggage for you and immediate family members when the luggage is damaged or lost by the carrier. The limit is $3,000 per passenger.
  • Trip delay reimbursement. If your trip is delayed more than 12 hours or requires an overnight stay, this benefit covers unreimbursed expenses such as meals and lodging (up to $500 per ticket).
  • Auto rental collision damage waiver. When you decline the rental company’s collision insurance and put the entire rental cost on the United Club℠ Infinite Card, you’ll get primary coverage through this card. That’s a great benefit, because most credit cards only offer secondary rental car insurance (meaning it kicks in after your auto insurance policy).

Access to Visa Infinite Concierge Services. Because this is a Visa Infinite card, you get access to 2/47 assistance with travel planning, dinner reservations, and tickets to sports games and other entertainment events.

Additional United Club℠ Infinite Card benefits

Premier upgrades on award tickets. When you’re the primary cardholder and also a MileagePlus member, you can take advantage of complimentary premier upgrades on United flights when available if you’re traveling on an award ticket.

25% back on United in-flight purchases. Purchases of food, beverages, and Wi-Fi receive this discount when you’re on a United flight and you use the United Club℠ Infinite Card.

Premier Access travel services. This includes priority check-in, security screening (where available), boarding and baggage handling privileges.

No foreign transaction fee. You can travel abroad with the United Club℠ Infinite Card and have peace of mind knowing you won’t be charged an additional fee on top of each transaction. The foreign transaction fee on the United Club℠ Infinite Card is $0.

Benefits at the Luxury Hotel & Resort Collection. There are more than 900 properties included in this group, and if you pay using your United Club℠ Infinite Card when making a reservation, you can get benefits including:

  • Daily breakfast for two
  • A special benefit unique to each property (such as a dining or spa credit)
  • Complimentary Wi-Fi
  • A room upgrade (if available)
  • Early check-in and late checkout (if available)

Purchase benefits, including:

  • Purchase protection to cover new purchases for 120 days against damage or theft. The limit is $10,000 per claim and $50,000 per year.
  • Return protection which allows you to be reimbursed for eligible items the store won’t take back within 90 days of purchase. The limit is $500 per item and $1,000 per year.
  • Extended warranty protection to extend the U.S. manufacturer’s warranty by an additional year (on eligible warranties of three years or less).

Terms and restrictions apply to these benefits.

United Card Events from Chase and MileagePlus Events. These private, upscale events include wine tastings, culinary events at exclusive restaurants, and more. (Note that you don’t get access for free — having the card allows you the opportunity to purchase these events.)

Hertz Gold Plus Rewards President’s Circle. If you’re looking to improve your rental car experience, this benefit allows you to enroll in the Hertz Gold Plus Rewards program at the President’s Circle tier, which offers a 50% bonus on Hertz Gold Plus Rewards Points, upgrades, exclusive offers, and more.

United Club℠ Infinite Card cons

High annual fee. At $525, the annual fee for the United Club℠ Infinite Card is on the high end. The United Club℠ Infinite Card is competing with other expensive luxury travel cards, like The Platinum Card® from American Express (See Rates & Fees) and the Chase Sapphire Reserve®.

Can’t transfer miles to other programs. You can transfer miles to another United MileagePlus member (for a cost of $7.50 per 500 miles and a $30 processing fee per transaction), but you can’t transfer them to other airlines or hotel programs. Compared with Chase Ultimate Rewards points and American Express Membership Rewards points, both of which can be transferred to travel partners, this could be a bit limiting to travelers who like flexibility.

Compare it with the Chase Sapphire Reserve®

The Chase Sapphire Reserve® is one of the top travel cards on the market. With an annual fee of $550, it’s not cheap, but it does have the benefits to justify that high fee.

Here’s how the two compare:

 United Club℠ Infinite CardChase Sapphire Reserve®
Sign-up bonusEarn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. Offer ends May 18, 2020.Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
RewardsEarn 4 miles per $1 spent on United purchases, 2 miles per $1 spent on all other travel and dining and 1 mile per $1 spent on all other purchases.3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.
Annual fee$525$550
Foreign transaction fee$0$0
Regular purchase APR16.49% - 23.49% Variable16.99%-23.99% variable

Points earned on the Chase Sapphire Reserve® are Chase Ultimate Rewards points, and when you redeem them for travel via the Chase Ultimate Rewards portal, you get 50% more value. That means 50,000 points are worth $750 when redeemed toward travel, for example.

And if you’d rather transfer the points, you can transfer at a 1:1 value to these travel partners, including United:

  • Aer Lingus AerClub
  • British Airways Executive Club
  • Emirates Skywards
  • Flying Blue AIR FRANCE KLM
  • Iberia Plus
  • JetBlue TrueBlue
  • Singapore Airlines KrisFlyer
  • Southwest Airlines Rapid Rewards
  • United MileagePlus
  • Virgin Atlantic Flying Club
  • IHG Rewards Club
  • Marriott Bonvoy
  • World of Hyatt

The Chase Sapphire Reserve® also offers extensive travel benefits, including:

  • An annual credit of up to $300 for travel purchases charged to the card.
  • A statement credit of up to $100 every four years for Global Entry or TSA Precheck.
  • Access to more than 1,000 airport lounges with enrollment in Priority Pass Select.
  • Trip cancellation/interruption insurance (up to $10,000 per person and $20,000 per trip).
  • Trip delay reimbursement when your trip is delayed more than six hours or requires an overnight stay (will cover eligible unreimbursed expenses up to $500 per ticket).
  • Lost luggage reimbursement (up to $3,000 per passenger).
  • Auto rental collision damage waiver (coverage is primary).
  • Benefits at properties in the Luxury Hotel & Resort Collection.
  • 24/7 access to dedicated customer service specialists.

And it’s worth noting that the Chase Sapphire Reserve®, like the United Club℠ Infinite Card, is a Visa Infinite card — this means it also comes with access to Visa Infinite Concierge Services.

Read our review of the Chase Sapphire Reserve®.

Is the United Club℠ Infinite Card right for you?

If you’re an avid United flyer who’s looking for a luxury travel card with premium benefits (and doesn’t mind paying a high annual fee), the United Club℠ Infinite Card has much to offer. Its airport lounge access, Visa Infinite Concierge Services perks, and generous sign-up bonus and strong rewards rate all make it an attractive option for those who can afford to Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. annual fee.

Note that you can’t apply for this card if you have another open United Club credit card. You may be able to get this card by requesting a product change, but product changes usually don’t allow you to earn any sign-up bonus that’s available to new applicants.

For potential applicants who would like to earn the sign-up bonus, be aware that to be eligible, you can’t have earned a sign-up bonus on any United Club credit card within the last 24 months.

Despite the splash created by the United Club℠ Infinite Card, the Chase Sapphire Reserve® is still one of the champions when it comes to luxury travel cards that pack a lot of value into an expensive annual fee. With its $300 annual travel credit, as well as the ability to transfer points at a 1:1 value to a variety of partners, the Chase Sapphire Reserve® may be a better choice for travelers who aren’t United loyalists.

The information related to the United Club℠ Infinite Card and the Chase Sapphire Reserve® has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

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Norwegian Reward Credit Card Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Norwegian Air might not be a household name in the U.S. the same way that airline brands such as American Airlines and Delta are, but if you’re an avid traveler, the low-cost airline is likely on your radar. And if that’s the case, you might be interested in the new Norwegian Reward Card the airline just rolled out, which lets you earn CashPoints rewards for a $0 annual fee.

We’ll break down what you can earn with the card, benefits that can make your travel easier, and alternative options if you decide an airline card isn’t quite what you need.

Where the Norwegian Reward Card stands out

Flexible rewards. This card earns CashPoints, which are Norwegian Air’s digital currency. It’s possible to earn CashPoints without the card through the Norwegian Reward loyalty program, but the credit card offers a chance to earn more. With the Norwegian Reward Card, you’ll earn 2% extra on Norwegian, 2% on dining + grocery and 1% on all other purchases.

It’s also worth noting the 2% you’ll earn is for LowFare tickets. You’ll earn a higher rate of 10% on Flex tickets. Details about how different ticket types work can be found here.

You can redeem Norwegian CashPoints for the following options:

  • Flight tickets (points can cover all or part of the ticket)
  • Extra luggage
  • Cancellation insurance
  • Seat reservations
  • Ticket changes

Priority boarding. If you fly Norwegian Air frequently, this perk could make your trips more convenient.

Sign-up bonus. Earn $50 in CashPoints with $500 in purchases in the first 90 days. It’s not the biggest sign-up bonus on the market, but it does have a low spending requirement, meaning it should be fairly easy to earn.

Additional benefits

Anniversary bonus. Make $20,000 in eligible purchases during your card anniversary year and you can earn a $100 bonus in CashPoints.

No annual fee. The annual fee for this card is $0. This is a plus because all rewards you earn are a net benefit right from the start — you don’t have to worry about recouping the cost of an annual fee, which is the case with some competing airline credit cards.

No foreign transaction fee. This card is aimed at helping Americans travel to Europe, according to a press release. So it’s a good thing there is no foreign transaction fee, meaning you can use it without fear of being charged extra when you’re abroad.

Where the Norwegian Reward Card falls short

Points expire. Having the credit card means your points can last longer than they would without the card, but they still have an expiration date. Your CashPoints will expire 48 months from the end of the calendar year in which the points were earned.

Can only redeem with Norwegian. If you’re a frequent Norwegian Air traveler, you might not mind this limitation. But if you find yourself traveling with other airlines from time to time, or if you want to be able to redeem your rewards toward non-airplane travel, a travel card that’s not tied to a specific airline could be a better choice to help you fly, drive or ride in style.

Earning rate can fluctuate. The rewards structure may seem simple at first. For example, if you make a purchase of $100 on dining, you’ll earn 2% in rewards — or $2 in CashPoints. That’s true, but it’s not the end of the story. You should understand that the actual number of CashPoints you get for that dollar amount varies based on the currency exchange rate.

So, how much are Norwegian CashPoints worth? Each CashPoint is worth 1 Norwegian Krone. This means there isn’t a set number for how many CashPoints you earn per $1 spent — it depends on the exchange rate as of the day the CashPoints post to your Norwegian Reward account. The example given in the card’s terms and conditions is that if the conversion rate is 9:1, and you have $50 worth of CashPoints post that day, you’ll receive 450 CashPoints.

Compare it to the Capital One® Venture® Rewards Credit Card

If you want a card that can help you travel, but you’re not loyal to a particular airline, the Capital One® Venture® Rewards Credit Card is a strong choice. Here’s how the two cards compare:

 Norwegian Reward CardCapital One® Venture® Rewards Credit Card
Sign-up bonusEarn $50 in CashPoints with $500 in purchases in the first 90 days.Earn a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.
Rewards2% extra on Norwegian, 2% on dining + grocery and 1% on all other purchases.2 miles per dollar on every purchase, every day.
Annual fee$0$95.

Foreign transaction fee

NoneNone
CreditsNoneGet a statement credit of up to $100 every four years when you use this card to pay the application fee for Global Entry or TSA PreCheck.

You can either book your travel through Capital One or redeem your miles toward a past purchase via the Purchase Eraser feature (just remember that you have to do so within 90 days from the date your purchase posts to your account). Miles earned on the Capital One® Venture® Rewards Credit Card can be redeemed toward the following types of purchases:

  • Airlines
  • Hotels
  • Rail lines
  • Car rental agencies
  • Limousine services
  • Bus lines
  • Cruise lines
  • Taxicabs
  • Travel agents
  • Timeshares

In short, the Capital One® Venture® Rewards Credit Card is significantly more flexible than the Norwegian Reward Card. And your Capital One miles don’t expire (though you’ll lose them if your card account is closed). You can also transfer your miles to the following 15 partners:

  • Aeromexico (Club Premier)
  • Air Canada (Aeroplan)
  • Air France KLM (Flying Blue)
  • Alitalia (MilleMiglia Program)
  • Asia Miles (Asia Miles)
  • Avianca (LifeMiles)
  • Emirates (Emirates Skywards)
  • Etihad Airways (Etihad Guest)
  • EVA Air (Infinity MileageLands)
  • Finnair (Finnair Plus)
  • Hainan Airlines (Fortune Wings Club)
  • JetBlue (TrueBlue)
  • Qantas (Qantas Frequent Flyer)
  • Qatar Airways (Privilege Club)
  • Singapore Airlines (KrisFlyer)

If you like the benefits of the Capital One® Venture® Rewards Credit Card but don’t want to pay an annual fee, the Capital One® VentureOne® Rewards Credit Card might be a better choice. It offers a lower rewards rate (1.25 miles per dollar on every purchase, every day), but charges a $0 annual fee.

The bottom line

For a traveler who is loyal to Norwegian Air, the Norwegian Reward Card is a decent choice. And for a $0 annual fee, it won’t cost anything to try out. However, many travelers are likely to be better served by a travel card that provides more options, such as the Capital One® Venture® Rewards Credit Card. If you’re still undecided, you might find a card you like on our list of best travel credit cards.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

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Credit Cards, Reviews

The Platinum Card from American Express Review

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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If you’re a frequent traveler looking for a top-of-the-line luxury credit card with lounge access and other premium benefits, The Platinum Card® from American Express might be the card you want to carry. It charges a high annual fee of $550, but it comes with unparallelled airport lounge access, statement and travel credits which can help you cut down on the cost of the annual fee and a strong welcome offer, among other benefits.

We’re going to look at the details of where this card stands out and where it falls short, and help you determine how well it fits your spending habits and travel needs.

The Platinum Card® from American Express

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The Platinum Card® from American Express

Annual fee
$550
Rewards Rate
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on prepaid hotels booked on amextravel.com.
Credit required
good-credit
Excellent/Good

Where The Platinum Card® from American Express stands out

Lounge access. This is where The Platinum Card® from American Express outshines its competitors. You’ll get access to The American Express Global Lounge Collection®, which includes more than 1,200 airport lounges in 130 countries.

Annual airline fee statement credit. You can select one qualifying airline and receive up to $200 in statement credits per calendar year to cover incidental fees (such as checked bags and in-flight refreshments) that are charged to The Platinum Card® from American Express.

Annual Uber credit. When you link this card with your Uber account, you can get up to $15 per month (and up to $20 in December) in Uber Cash. That adds up to almost $200 a year.

Welcome offer. 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

Rewards. Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on prepaid hotels booked on amextravel.com. Points are worth varying amounts depending on how you redeem them — booking airfare and hotel stays through American Express Travel will net you good value, with each point being worth 1 cent when redeemed that way.

You can also transfer your points to the following airline loyalty programs:

  • Aer Lingus AerClub (1,000 Membership Rewards points = 1,000 Avios)
  • AeroMexico Club Premier (1,000 Membership Rewards points = 1,600 Premier Points)
  • Air Canada Aeroplan (1,000 Membership Rewards points = 1,000 Aeroplan Miles)
  • AIR FRANCE KLM Flying Blue (1,000 Membership Rewards points = 1,000 Flying Blue Award Miles)
  • MilleMiglia Alitalia(1,000 Membership Rewards points = 1,000 Alitalia Miles)
  • ANA Mileage Club (1,000 Membership Rewards points = 1,000 ANA Mileage Club Miles)
  • Asia Miles (1,000 Membership Rewards points = 1,000 Asia Miles)
  • Avianca LifeMiles (1,000 Membership Rewards points = 1,000 LifeMiles)
  • British Airways Executive Club (1,000 Membership Rewards points = 1,000 Avios)
  • Delta SkyMiles (1,000 Membership Rewards points = 1,000 miles)
  • El Al Israel Airlines Matmid Club (1,000 Membership Rewards points = 20 Matmid Points)
  • Emirates Skywards (1,000 Membership Rewards points = 1,000 Skywards Miles)
  • Etihad Airways Guest (1,000 Membership Rewards points = 1,000 Etihad Guest Miles)
  • Hawaiian Miles HawaiianMiles (1,000 Membership Rewards points = 1,000 HawaiianMiles)
  • Iberia Plus (1,000 Membership Rewards points = 1,000 Avios)
  • JetBlue TrueBlue (250 Membership Rewards points = 200 TrueBlue points)
  • Qantas Frequent Flyer (500 Membership Rewards points = 500 Qantas Points)
  • Singapore Airlines KrisFlyer (1,000 Membership Rewards points = 1,000 KrisFlyer Miles)
  • Virgin Atlantic Flying Club (1,000 Membership Rewards points = 1,000 Flying Club miles)

And you can transfer your points to the following hotel loyalty programs:

  • Choice Privileges (1,000 Membership Rewards points = 1,000 Choice Privileges)
  • Hilton Honors (1,000 Membership Rewards points = 2,000 Hilton Honors Points)
  • Marriott Bonvoy (1,000 Membership Rewards points = 1,000 Marriott Bonvoy points)

Fee credit for Global Entry or TSA Precheck. You can get a credit of up to $100 for Global Entry or a credit of up to $85 for TSA Precheck when you use this card to pay. If you purchase both, you’ll only get a credit for the one that’s charged to your card first.

You can get the Global Entry credit once in a four-year period or the TSA Precheck credit once in a 4 ½-year period.

Additional benefits

Fine Hotels & Resorts Program. Receive complimentary benefits at more than 1,000 properties, such as daily breakfast for two, guaranteed 4 p.m. late checkout and a room upgrade when available.

Where The Platinum Card® from American Express falls short

Annual fee. At $550, the annual fee for The Platinum Card® from American Express is in the top tier for what it charges you as well as for the benefits it offers. If you’re only a casual traveler, you may be better off with a mid-tier travel card charging an annual fee in the $95 range.

To see rates & fees for The Platinum Card® from American Express, please click here.

Compare it with the Chase Sapphire Reserve®

Another big name among premium travel cards is the Chase Sapphire Reserve®. Here’s how it stacks up against The Platinum Card® from American Express:

 

The Platinum Card® from American Express

Chase Sapphire Reserve®

Welcome offer

60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Credits

Up to $200 in statement credits per year to cover incidental airline fees. Up to $200 in Uber Cash each year.

Up to $300 in statement credits each account anniversary year as reimbursement for travel purchases.

Rewards

5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X Membership Rewards® points on prepaid hotels booked on amextravel.com.

3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases.

Annual fee

$550 (See Rates & Fees)

$550

Annual fee for additional cards/authorized users

$175 for up to three additional cards. $175 per card for each card after that. (See Rates & Fees)

$75 for each authorized user.

Both of these cards offer significant value for frequent travelers who have the funds to cover a high annual fee. The Chase Sapphire Reserve® is slightly less expensive than The Platinum Card® from American Express, but when you factor in the value of the annual credits offered by both cards, the two annual fees are relatively similar.

We also like the Chase Sapphire Reserve® better for ongoing rewards, as it offers 3X points on a wide variety of travel purchases, whereas The Platinum Card® from American Express has a more limited category for earning a higher rewards rate — airline tickets (booked either directly with the airline or via American Express Travel) and prepaid hotels booked through amextravel.com. Plus, you get 50% more value when you redeem your Chase Ultimate Rewards® points for travel through the Ultimate Rewards portal.

When it comes to airport lounge access, the Chase Sapphire Reserve® comes with a Priority Pass Select membership (you’ll need to complete a one-time enrollment), which can get you into more than 1,300 lounges around the world. But this is territory where The Platinum Card® from American Express truly excels. The American Express Global Lounge Collection® allows you access to the following:

  • Air Space
  • Delta Sky Club®
  • Escape Lounges
  • Plaza Premium
  • The Centurion Lounge
  • The International American Express Lounges

In short, if wide-ranging lounge access is what you’re looking for, The Platinum Card® from American Express is probably the card for you.

The bottom line

If you’re looking to travel in luxury, you’ll find a lot to like about The Platinum Card® from American Express. It stands head and shoulders above the competition when it comes to airport lounge access. And if you make use of the annual airline fee statement credit (up to $200) and the annual Uber statement credit (also up to $200), that knocks the effective annual fee down to a more reasonable $150.

The information related to the Chase Sapphire Reserve® has been independently collected by MagnifyMoney and has not been reviewed or provided by the issuer of this card prior to publication.

Advertiser Disclosure: The products that appear on this site may be from companies from which MagnifyMoney receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). MagnifyMoney does not include all financial institutions or all products offered available in the marketplace.

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