United Club Infinite Card vs. Chase Sapphire Reserve — Which is right for you?

Sep 27, 2021

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Editor’s note: This post has been updated with new information.


When it comes to travel rewards cards, a specific question usually comes up: Should you opt for an airline or hotel cobranded card, or get one that earns transferable points instead?

As airlines continue to devalue award charts, transferable points currencies have become more valuable than ever thanks to their versatility. However, for those loyal to a specific airline, there might still be a lot of value to be had carrying a cobranded airline card. That’s because many airline cards confer perks like free checked bags, inflight purchase discounts, the ability to spend your way to elite status and other airline-specific benefits.

So when does it make sense to get one type of card over the other? Today, we’re walking through the benefits of two top premium rewards credit cards, the United Club Infinite Card and the Chase Sapphire Reserve, to look at which might make the most sense for you.

Sign up for the TPG newsletter for more credit card news and advice. 

In This Post

Comparison overview

Card United Club Infinite Card Chase Sapphire Reserve
Sign-up bonus 75,000 miles after you spend $3,000 on purchases in the first three months of account opening. Earn 50,000 bonus points after you spend $4,000 on purchases in the first three months of account opening.
Annual fee $525 $550
Point/mile valuation* 1.3 cents/mile 2 cents/point
Rewards structure  4x on United purchases

2x on travel and dining

1x on other eligible purchases

10x on Lyft (until March 2022)

10x on hotels and car rentals booked through Ultimate Rewards*

10x on Chase Dining purchased through Ultimate Rewards

5x on flights booked through Ultimate Rewards*

3x on all other travel and dining purchases

1x on other eligible purchases

*After the first $300 is spend on travel purchases annually

Lounge access United Club membership Priority Pass Select membership
Other benefits Global Entry or TSA PreCheck application fee credit (up to $100)

First and second checked bags free

Premier access (priority access for check-in, security when available, boarding and baggage handling)

25% back on United inflight purchases

Expanded award availability 

Premier upgrades on award tickets

Hertz Gold Plus Rewards President’s Circle

up to $300 annual travel credit

Redeem points for a 50% bonus through the Ultimate Rewards travel portal

Global Entry or TSA PreCheck application fee credit

Complimentary Lyft Pink membership

up $60 in annual statement credits (through Dec. 31, 2021) for DoorDash purchases 

Complimentary DashPass membership (activate by Dec. 31, 2021)

Up to $120 back in statement credits for a Peloton membership through the end of 2021

Travel protections Trip cancellation/trip interruption insurance

Baggage delay insurance

Lost luggage reimbursement

Trip delay reimbursement

Primary auto rental collision damage waiver

Purchase protection

Extended warranty protection

Return protection

Trip cancellation/trip interruption insurance

Baggage delay insurance

Lost luggage reimbursement

Trip delay reimbursement

Primary auto rental collision damage waiver

Emergency evacuation and transportation 

Purchase protection

Extended warranty protection

Return protection

*Point/mile value is an estimated value calculated by TPG and not the card issuer.

Both premium credit cards have the potential to add a lot of value to your wallet. The primary difference between the two cards is that United’s benefits are geared for United flyers, while the Chase Sapphire Reserve is a more broadly targeted travel credit card.

When you should consider the United Club Infinite Card

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben for The Points Guy)

You’re a loyal United flyer

The United Club Infinite Card is best suited for frequent travelers who are loyal to United, since most of the travel-related benefits are only available when you fly with the airline. That means the only way to really maximize the card and make it worth the annual fee is to fly quite frequently with United. The card rewards that loyalty with a 4x earning rate on United purchase and day-of-travel benefits like Premier Access (and all its perks like priority check-in and luggage handling) and inflight discounts on United.

Keep in mind that the United Club Infinite comes with United Club membership, too, so you can use the airline’s lounges (excluding Polaris ones unless you’re flying international business class on United or one of its partners) when traveling, which you won’t be able to do with the Chase Sapphire Reserve’s lounge benefit.

You already have the Chase Sapphire Preferred Card

Chase doesn’t allow you to have more than one Sapphire card at the same time and the issuer makes you wait a full 48 months between earning a Sapphire bonus. So if you have had the Chase Sapphire Preferred Card within the past four years, it’s worth taking into consideration whether you’re willing to give up that 50,000-point bonus on the Chase Sapphire Reserve by applying before the 48-month period is up. If you’re willing to wait, then applying for the United Club Infinite Card in the meantime may be a better option for you.

When you should consider the Chase Sapphire Reserve

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

You aren’t loyal to a specific airline when you travel

The Chase Sapphire Reserve earns Ultimate Rewards points, which are a valuable transferable currency. While you can only use United miles on United and partner flights, Ultimate Rewards points can be transferred to 11 airline and three hotel partners (including United) or redeemed through the Ultimate Rewards travel portal at 1.5 cents each. If you’re booking travel across different airline and hotel brands, Ultimate Rewards points will give you more flexibility than United miles.

Additionally, the Chase Sapphire Reserve offers more broad benefits. Its up to $300 annual travel credit can be used on a lot more expenses than just United flights, and its  Lyft and DoorDash benefits go beyond just air travel. If you’re looking for a more general travel credit card with benefits that extend beyond a single airline, then the Chase Sapphire Reserve is the way to go.

The Chase Sapphire Reserve also allows cardholders to register for Priority Pass Select membership, which means access to over 1,200 airport lounges worldwide along with up to two guests, no matter which airline they’re flying.

Finally, compared to the United Club Infinite’s welcome bonus, which we peg at $975, the Chase Sapphire Reserve’s is worth a cool $1,000 according to TPG’s latest valuations.

You already have the United Club Card

Like with the Sapphire cards, Chase does not allow you to have the United Club Infinite Card if you have the legacy United Club Card. Also, you won’t be able to earn the 75,000-mile bonus on the United Club Infinite Card if you’ve earned the bonus on the United Club Card within the last 24 months.

So if you have had the United Club Card recently, make sure you’re eligible for the bonus on the United Club Infinite Card before applying and forking over that $525 annual fee. If you are ineligible for the bonus, the Chase Sapphire Reserve is definitely the better option.

Bottom line

Keep in mind that no matter which card you choose, they are both issued by Chase — which means they are both subject to the issuer’s infamous 5/24 rule. If you’ve opened five or more personal credit cards in the past two years, you almost certainly won’t be approved for either of these cards.

Both the Chase Sapphire Reserve and United Club Infinite Card are great cards, but they’re geared toward different audiences. If you consider yourself a “free agent” who isn’t loyal to a single airline when you travel, the Chase Sapphire Reserve has more flexible redemption options for you to take advantage of. However, if you are someone who almost exclusively flies United, applying for the United Club Infinite Card can get you a lot of great perks with the airline.

Official application link: Chase Sapphire Reserve.
Official application link: United Club Infinite.

Additional reporting by Stella Shon.

Featured photo by John Gribben for The Points Guy.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.