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Heads up: Product change coming to legacy United Club Mastercard holders

Oct. 07, 2021
5 min read
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If you’re a current owner of the United Club℠ Mastercard (no longer available for new applicants), you'll face an automatic product change to the United Club Infinite Card officially on Nov. 18, 2021. Accordingly, your annual fee will increase from $450 to $525.

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Although the $75 annual fee increase may leave a bad taste for some, this new $525 annual fee won't be charged to your account until late 2022. That means you'll have more than a year to try out this product change before the new annual fee takes into effect.

If this change applies to you, you should have received notice from Chase by now. Let’s dive into the new perks you'll get with the United Club Infinite and review your options if you ultimately decide you don't want this product change.

Personal United card changes

(Photo by Eric Helgas/ The Points Guy)

If you currently hold the United Club Card — the predecessor of the United Club℠ Infinite Card — you’ll automatically get upgraded in November. Here are all the changes you need to be aware of:

  • Improved rewards rate of 4x on United purchases, 2x on all other travel and restaurants, and 1x on all other eligible purchases.
  • On award tickets, United MileagePlus Premier members will enjoy complimentary premier upgrades for one companion on the same reservation (upon availability).
  • Up to $100 Global Entry or TSA PreCheck fee credit every four years.
  • $70 discount on a Clear membership — and if you sign up with the card before June 30, 2022, you'll get 10,000 bonus miles (which TPG values at $130).
  • In 2022, cardholders can earn 500 Premier Qualifying Points (PQPs) for every $12,000 spent, for up to 4,000 PQPs total each calendar year.

However, there is one key benefit that United Club Mastercard holders will lose: cell phone protection.

If you relied heavily on this coverage, you might see this product change as a heavy loss. Despite this, these changes are a win in our book and will most likely justify the $525 annual fee. Check out this guide on cards that offer cell phone protection if you are dissatisfied with the loss of this perk.

Cell phone protection is an important benefit that comes with a decent number of credit cards today. (Image by Irina Dobrolyubova / Getty Images)

Those applying for United Club Infinite Card fresh can get a welcome bonus of 100,000 bonus miles after you spend $5,000 on purchases in the first three months from account opening.

However, those who are product changed to this — or any other card — would not receive the welcome bonus as part of a product change. You’d only be eligible for that if you applied outright.

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What to do if you don’t want the upcoming product change

There are some options if you don’t want your existing card to be automatically upgraded.

Your first option is to downgrade to any of United's other credit cards and/or apply for a new United card outright for more perks and a sign-up bonus. For example, the United Quest Card has a lower $250 annual fee and offers a bonus of 80,000 bonus miles after you spend $5,000 on purchases in the first three months your account is open.

(Photo by Zach Griff/The Points Guy)

Bottom line

Over time, United has sunsetted its old cobranded cards while revealing an all-new lineup. Finally, these changes affect legacy cardholders, too — eliminating and replacing these old products altogether.

As a result, you’ll want to weigh your options and decide if your new United Club Infinite card is worth keeping — or if you want to make a different change.

Even though your card will automatically be changed to the Club Infinite on Nov. 18, you’ll have until late 2022 to be charged the $525 annual fee, which will give you a year to test how you like the product upgrade before you are imposed a higher fee. However, if you would prefer to apply for a different card outright, there’s plenty of time to do that, too.

United actively offers five cobranded Chase cards — for a total of four personal cards and one business card:

Featured image by JOHN GRIBBEN/THE POINTS GUY
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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TPG featured card

Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

2 - 10X points
10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day

Intro offer

75,000 bonus miles
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

Annual Fee

$395

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023
Best card for premium perks while traveling
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10XEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X5X miles on flights booked through Capital One Travel.
2X2 Miles per dollar on every purchase, every day
  • Intro Offer
    Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel

    75,000 bonus miles
  • Annual Fee

    $395
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

The Capital One Venture X card is one of the best all-round travel credit cards ever launched. Not only is it offering a tremendous welcome bonus, but cardholders can earn tons of miles on everyday spending and receive a 10,000-mile anniversary bonus to boot. Its annual fee is $395, but cardholders can count on up to $300 in statement credits toward travel booked through Capital One Travel each year and other valuable benefits like access to Priority Pass lounges and Capital One’s own growing family of airport lounges.

Pros

  • Excellent welcome offer worth 75,000 miles after you spend $4,000 on purchases in the first three months.
  • Up to $300 in annual travel statement credits toward bookings make through Capital One Travel.
  • 10,000 bonus miles (worth $100 toward travel) each account anniversary.

Cons

  • The $395 annual fee might be expensive for some, but this card’s benefits provide much more value than that.
  • If you don’t travel frequently, this might not be the best card for you.
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,400+ lounges, including Capital One Lounges and our Partner Lounge Network
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Named editors' choice for "Best New Credit Card of 2021" by The Points Guy
  • Earn 10 miles per dollar when you book on Turo, the world's largest car sharing marketplace, through May 16, 2023