CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The United Club Infinite Card ($695/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | The Platinum Card from American Express | United Club Infinite Card |
|---|---|---|
| Flights | 5X | 1X |
The United Club Infinite Card wins in 8 of 9 categories. The The Platinum Card from American Express leads in 1.
Flights
The Platinum Card from American Express earns 5X vs 1X
Hotels
United Club Infinite Card earns 2X vs 1X
United Purchases
United Club Infinite Card earns 4X vs 1X
United Airlines
United Club Infinite Card earns 4X vs 1X
Travel
United Club Infinite Card earns 2X vs 1X
Dining
United Club Infinite Card earns 2X vs 1X
Ridesharing
United Club Infinite Card earns 2X vs 1X
Transit
United Club Infinite Card earns 2X vs 1X
Tolls
United Club Infinite Card earns 2X vs 1X
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.
Choose the United Club Infinite Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The United Club Infinite Card ($695/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | The Platinum Card from American Express | United Club Infinite Card |
|---|---|---|
| Flights | 5X | 1X |
The United Club Infinite Card wins in 8 of 9 categories. The The Platinum Card from American Express leads in 1.
Flights
The Platinum Card from American Express earns 5X vs 1X
Hotels
United Club Infinite Card earns 2X vs 1X
United Purchases
United Club Infinite Card earns 4X vs 1X
United Airlines
United Club Infinite Card earns 4X vs 1X
Travel
United Club Infinite Card earns 2X vs 1X
Dining
United Club Infinite Card earns 2X vs 1X
Ridesharing
United Club Infinite Card earns 2X vs 1X
Transit
United Club Infinite Card earns 2X vs 1X
Tolls
United Club Infinite Card earns 2X vs 1X
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.
Choose the United Club Infinite Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The United Club Infinite Card ($695/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | The Platinum Card from American Express | United Club Infinite Card |
|---|---|---|
| Flights | 5X | 1X |
The United Club Infinite Card wins in 8 of 9 categories. The The Platinum Card from American Express leads in 1.
Flights
The Platinum Card from American Express earns 5X vs 1X
Hotels
United Club Infinite Card earns 2X vs 1X
United Purchases
United Club Infinite Card earns 4X vs 1X
United Airlines
United Club Infinite Card earns 4X vs 1X
Travel
United Club Infinite Card earns 2X vs 1X
Dining
United Club Infinite Card earns 2X vs 1X
Ridesharing
United Club Infinite Card earns 2X vs 1X
Transit
United Club Infinite Card earns 2X vs 1X
Tolls
United Club Infinite Card earns 2X vs 1X
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.
Choose the United Club Infinite Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| United Airlines | 1X | 4X |
| United Purchases | 1X | 4X |
| Dining | 1X | 2X |
| Hotels | 1X | 2X |
| Ridesharing | 1X | 2X |
| Tolls | 1X | 2X |
| Transit | 1X | 2X |
| Travel | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The The Platinum Card from American Express costs $895/yr — that's $200 more than the United Club Infinite Card ($695/yr). To justify that gap, you need to extract at least $200 in annual value from the card's higher earn rates and benefits.
The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $200 difference is moderate. If you spend consistently on flights and hotels, the The Platinum Card from American Express's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing The Platinum Card from American Express means losing:
Get the United Club Infinite Card if you:
| United Airlines | 1X | 4X |
| United Purchases | 1X | 4X |
| Dining | 1X | 2X |
| Hotels | 1X | 2X |
| Ridesharing | 1X | 2X |
| Tolls | 1X | 2X |
| Transit | 1X | 2X |
| Travel | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The The Platinum Card from American Express costs $895/yr — that's $200 more than the United Club Infinite Card ($695/yr). To justify that gap, you need to extract at least $200 in annual value from the card's higher earn rates and benefits.
The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $200 difference is moderate. If you spend consistently on flights and hotels, the The Platinum Card from American Express's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing The Platinum Card from American Express means losing:
Get the United Club Infinite Card if you:
| United Airlines | 1X | 4X |
| United Purchases | 1X | 4X |
| Dining | 1X | 2X |
| Hotels | 1X | 2X |
| Ridesharing | 1X | 2X |
| Tolls | 1X | 2X |
| Transit | 1X | 2X |
| Travel | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
The The Platinum Card from American Express costs $895/yr — that's $200 more than the United Club Infinite Card ($695/yr). To justify that gap, you need to extract at least $200 in annual value from the card's higher earn rates and benefits.
The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $200 difference is moderate. If you spend consistently on flights and hotels, the The Platinum Card from American Express's higher earn rates and benefits can easily cover the gap.
Choosing one card means missing out on these benefits from the other.
Choosing The Platinum Card from American Express means losing:
Get the United Club Infinite Card if you:
