Is the United Club Infinite worth it in 2026?

Keep it+$1,859 year one

Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math.

Assumes you use every recurring credit and value points at 1.4¢. Adjust for your spend in the calculator →

The year-one math

Welcome bonus80,000 pts × 1.4¢: +$1,120
Recurring credits (if fully used): +$1,434
Annual fee: −$695
Year-one value: +$1,859
Ongoing (year 2+, no bonus)credits − fee: +$739

Recurring credits

Rideshare Credit$144/yr
Avis/Budget Car Rental Credit$100/yr
Instacart Credit$240/yr
JSX Flight Credit$200/yr
United Club Membership$750/yr

Apply for the United Club Infinite

The application happens on United's site. Then track every recurring credit — and your real keep/churn verdict — in the iOS app.

Apply for United Club InfiniteiOS app coming soon

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FAQ

Is the United Club Infinite worth it in 2026?

Keep it. Worth keeping long-term. The recurring credits you'd actually use cover the annual fee on their own, before the welcome bonus even enters the math. This assumes you use every recurring credit and value points at 1.4¢ — adjust both in the calculator for your own situation.

Should I cancel my United Club Infinite?

Probably not on the numbers alone — the recurring credits ($1,434/yr) already cover the $695 fee, so it pays for itself in year 2+ if you use them.

How is "worth it" calculated?

Year-one value = welcome bonus value (points × cents-per-point) + the annualized value of the card's recurring credits − the annual fee. It's the same model the PointsCraft iOS app uses to show what your wallet is actually worth.