The United Club Infinite Card is best suited for loyal United Airlines customers who value United Club access and Premier Access benefits. The Chase Sapphire Reserve Card is a better choice for those seeking flexible travel redemption options and broader travel benefits, despite the higher annual fee.
| Attribute | United Club Infinite Card | Chase Sapphire Reserve Card |
|---|---|---|
| Annual Fee | $695 | $795 |
| Sign-up Bonus | 80,000 bonus miles after spending $5,000 on purchases in the first 3 months. Some sources mention offers up to 105,000 miles with specific promotional codes and adding an authorized user. | Earn 100,000 bonus points + $500 Chase Travel promo credit after you spend $5,000 on purchases in the first 3 months from account opening. |
| Earning Rate on United Airlines Purchases | 4 miles per $1 | It does not have a specific earning rate for United Airlines purchases. |
| Earning Rate on Travel and Dining | 2 miles per $1 (includes airfare, trains, local transit, hotels, car rentals, and more) | 8x points on all purchases through Chase Travel , including The Edit ; 4x points on flights and hotels booked directly; 3x points on dining worldwide. |
| Earning Rate on Other Purchases | 1 mile per $1 | 1 point per dollar spent on all other purchases. |
| United Club Membership | Full United Club membership, providing access to United Club locations and participating Star Alliance partner lounges. Primary cardmembers also receive guest privileges. | Not included. |
| Global Entry/TSA PreCheck Credit | Up to $120 credit every four years for Global Entry, TSA PreCheck, or NEXUS fee. | Up to $100 every four years for Global Entry, TSA PreCheck, or NEXUS application fee. |
| Travel Insurance Coverage | Includes trip cancellation/interruption insurance, trip delay reimbursement, lost luggage reimbursement, and auto rental collision damage waiver. | Trip cancellation/interruption insurance: Up to $10,000 per person, $20,000 per trip; Emergency evacuation and transportation: Up to $100,000; Emergency medical and dental: Up to $2,500 (with a $50 deductible); Lost luggage reimbursement: Up to $3,000 per covered traveler; Auto Rental Collision Damage Waiver: Up to $75,000 for theft and collision damage; Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days. |
| Purchase Protection | Covers items purchased with the card against damage or theft for a specified period. Coverage lasts for 90 days from the purchase date in New York. | Up to $10,000 per claim, $50,000 per calendar year, for up to 120 days from the purchase date. Exclusions include animals, antiques, motorized vehicles, software, and items for resale. |
| Foreign Transaction Fees | None | None. |
| Redemption Options | Redeem miles for flights, including award flights. Miles can also be redeemed toward the annual fee at a fixed ratio. | Points can be redeemed for travel through Chase Travel with "Points Boost" offers; Points can be transferred to Chase's airline and hotel partners. |
| Partner Airlines | Access to airport clubs of participating partners in the Star Alliance airline group. | Access to Chase's 14 hotel and airline travel partners. |