The Platinum Card from American Express vs United Club Infinite Card — Full Comparison (2026)

The Platinum Card from American Express vs United Club Infinite Card

A detailed side-by-side comparison to help you choose the right card for your spending.

The Platinum Card from American Express

American Express

United Club Infinite Card

United Club Infinite Card

Chase

Annual Fee

$895

$695

Welcome Bonus

80,000 Flex point

90,000 Airline

Base Earn Rate

1X

—

Top Earn Categories

5X Hotels

5X Flights

1X Hotels

4X United Purchases

4X United Airlines

2X Travel

2X Dining

Network

AMEX

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

✓Free checked bags

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+Full United Club membership included ($750/year value) with 1 adult guest
+Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
+Two free checked bags for cardholder plus companion
+4x miles on United purchases (highest among United cards)
+10% off economy saver awards in continental US/Canada

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$695 annual fee is the highest among United cards
−United Club access only useful at airports with United presence
−Guest policy limited to 1 adult (plus children under 18)
−Renowned Hotels credit requires booking through specific portal
−No direct TravelBank credit like Quest card offers

The Bottom Line

The United Club Infinite Card has a lower annual fee ($695 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

United Club Infinite Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

The Platinum Card from American Express vs United Club Infinite Card

A detailed side-by-side comparison to help you choose the right card for your spending.

The Platinum Card from American Express

American Express

United Club Infinite Card

United Club Infinite Card

Chase

Annual Fee

$895

$695

Welcome Bonus

80,000 Flex point

90,000 Airline

Base Earn Rate

1X

—

Top Earn Categories

5X Hotels

5X Flights

1X Hotels

4X United Purchases

4X United Airlines

2X Travel

2X Dining

Network

AMEX

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

✓Free checked bags

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+Full United Club membership included ($750/year value) with 1 adult guest
+Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
+Two free checked bags for cardholder plus companion
+4x miles on United purchases (highest among United cards)
+10% off economy saver awards in continental US/Canada

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$695 annual fee is the highest among United cards
−United Club access only useful at airports with United presence
−Guest policy limited to 1 adult (plus children under 18)
−Renowned Hotels credit requires booking through specific portal
−No direct TravelBank credit like Quest card offers

The Bottom Line

The United Club Infinite Card has a lower annual fee ($695 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

United Club Infinite Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

The Platinum Card from American Express vs United Club Infinite Card

A detailed side-by-side comparison to help you choose the right card for your spending.

The Platinum Card from American Express

American Express

United Club Infinite Card

United Club Infinite Card

Chase

Annual Fee

$895

$695

Welcome Bonus

80,000 Flex point

90,000 Airline

Base Earn Rate

1X

—

Top Earn Categories

5X Hotels

5X Flights

1X Hotels

4X United Purchases

4X United Airlines

2X Travel

2X Dining

Network

AMEX

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

✓Lounge access

✓Travel credit

✓Travel insurance

✓Global Entry credit

✓Purchase protection

✓Free checked bags

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

+Full United Club membership included ($750/year value) with 1 adult guest
+Highest PQP earning: 1 PQP per $15 spent, 28,000 annual cap, plus 1,500 bonus PQPs
+Two free checked bags for cardholder plus companion
+4x miles on United purchases (highest among United cards)
+10% off economy saver awards in continental US/Canada

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

−$695 annual fee is the highest among United cards
−United Club access only useful at airports with United presence
−Guest policy limited to 1 adult (plus children under 18)
−Renowned Hotels credit requires booking through specific portal
−No direct TravelBank credit like Quest card offers

The Bottom Line

The United Club Infinite Card has a lower annual fee ($695 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

United Club Infinite Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →