Obtaining the United Club Infinite Card (issued by Chase) is considered "Difficult" because it is a premium credit product designed for high-income frequent flyers. In 2026, the minimum requirements generally include an excellent credit score of 750 or higher. Chase also applies its "5/24 Rule," meaning you will likely be denied if you have opened five or more personal credit cards from any issuer in the last 24 months. While the average approved applicant has an annual income of over $150,000, the official requirement is simply "sufficient income" to cover the $695 annual fee and monthly payments. If you have a long-standing relationship with Chase or United and a clean credit history with low utilization (under 30%), your chances are much higher. If your score is in the "Good" range (700-740), you may still be approved, but you might receive a lower initial credit limit.
Getting a United Club credit card (issued by Chase) is moderately difficult, as it’s a premium travel card with a high annual fee and strict approval requirements. It’s not the hardest card to get, but it’s certainly not an entry-level card.
Here’s a breakdown of the key factors that determine how hard it is:
1. Credit Score Requirement
- Primary Factor: You typically need a good to excellent credit score.
- Recommended Score: Most successful applicants have a FICO score of 720 or higher. While it’s possible to be approved with a score in the high 600s, your chances improve significantly above 720.
- Why: Chase views this as a serious line of credit ($5,000+ minimum) and wants to see a long history of responsible credit management.
2. Income Requirement
- You need a solid, verifiable income to handle the high annual fee and any charges you put on the card.
- While there’s no published minimum, you should have an income that comfortably supports the $525 annual fee (not waived the first year) and demonstrates your ability to pay back a potentially high credit limit.
- Chase will evaluate your debt-to-income ratio.
3. Chase’s 5/24 Rule
- This is a critical and often overlooked hurdle.
- The Rule: Chase will automatically deny your application if you have opened 5 or more personal credit cards (from any bank) in the past 24 months.
- Impact: Even with an 800 credit score, if you’re over 5/24, you will almost certainly be denied for this card. You must be under this limit to have a chance.
4. Relationship with Chase
- Having an existing banking relationship (checking, savings, other credit cards) with Chase can be helpful