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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

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Overview
	The Platinum Card from American Express American Express · $895/yr	United Club Card Chase · $695/yr
Annual fee	$895	$695 Lowest
Welcome offerCurrent public offer	As high as 175,000 points — offers vary	Up to 100,000 miles
Rewards	American Express Membership Rewards	United MileagePlus
Foreign transaction fee	None	None
Network	American Express	Visa Infinite
Earn ratesPer $1 spent
Flights	5x Highest	1x
Dining	1x	2x Highest
Hotels	1x	2x Highest
Ridesharing	1x	2x Highest
Transit	1x	2x Highest
Travel	1x	2x Highest
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$600 hotel credit $219 CLEAR Plus credit $200 airline credit $120 Global Entry or up to $85 TSA PreCheck / 4 years · $120 every 4 years	$200 Renowned Hotels $100 Avis/Budget travel $200/yr JSX flights $120 Global Entry/TSA PreCheck 25% United inflight purchases · $25 per transaction
Rideshare & transit	$200 Uber Cash $120 Uber One credit	$150/yr rideshare · $13 monthly
Dining & delivery	$400 Resy credit	$20/mo Instacart+ · $20 monthly
Entertainment & streaming	$300 streaming credit	—
Shopping & wellness	$300 Equinox credit $300 Lululemon credit $200 Oura Ring credit $155 Walmart+ credit	—
Perks & access— means none on record
Lounges	Airspace Lounge access at US airports with 2 guests 26 Centurion Lounges worldwide with premium dining 10 Delta Sky Club visits per year when flying Delta Escape Lounge access at US airports with food and beverages International Amex Lounges at select global airports Global Lounge Collection with 1,550+ airport lounges Show 3 more Lufthansa Business Lounge access on Lufthansa Group Plaza Premium Lounge access at airports with Global Lounge Priority Pass Select with 1,300+ lounges globally	United Club membership with guest access
Hotel status & programs	Hilton Gold with 80% bonus points and breakfast Leaders Club Sterling Status at Leading Hotels Marriott Gold with 25% bonus points and upgrades Fine Hotels + Resorts: $100 credits and upgrades Hotel Collection access with room upgrades and credits	IHG One Rewards Platinum Elite status
Airline perks	International Airline Program 5-40% off premium cabins	Earn up to 20,000-miles in award flight discounts each year Premier Access priority boarding and security lanes Free first and second checked bags for you plus companion Premier upgrades on award tickets
Car rental	Elite status with Hertz, National, Avis for upgrades	Avis President's Club®
Other perks	Amex Offers 24/7 premium travel assistance with medical transport Premium Events Collection™ Early access to concerts and events 24/7 Platinum Concierge for travel and lifestyle help Free expedited card replacement in 24-48 hours worldwide Show 5 more Entertainment access with exclusive presales and VIP events No foreign transaction fees on international purchases save Roadside assistance with up to 4 service calls per year Platinum Nights by Resy Platinum Travel Service	10% or more off United awards MileagePlus miles don't expire United Card Events from Chase and United MileagePlus Events Earn up to 28,000 Premier® qualifying points (PQP) No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	$10,000 trip cancellation coverage per covered trip $500 trip delay Cover for delays exceeding 6 hours	Trip cancellation coverage up to $10,000 per traveler Trip delay coverage up to $500 after 12 hours
Baggage	$3,000 baggage insurance for lost or damaged bags	Baggage delay coverage $100/day up to 3 days Lost baggage coverage up to $3,000 per traveler
Rental car	$100,000 primary rental car coverage for $20-$25/rental $75,000 car rental loss and damage insurance	Primary car rental insurance up to $60,000
Purchase & returns	$10,000 purchase Cover against theft and damage for 90 days $300 return Cover when merchants won't accept returns within	Return Protection · up to $500 Purchase protection up to $10,000 per item for 120 days
Extended warranty	Extended warranty adds 1 year to warranties under 5 years	Extended warranty adds 1 year to manufacturer warranty
Cell phone	$800 cell phone protection with $50 deductible	—
Other protections	Zero liability protection on fraudulent charges Global Assist Hotline with 24/7 emergency help traveling	—
Pros & cons
Pros	Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free $200/year Uber Cash plus a $120 Uber One membership credit $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 5x miles on United purchases (highest among United cards) Save 10% or more when booking flights with miles
Cons	$895 annual fee requires significant credit utilization to break even Many credits require specific merchants (Resy, Equinox, lululemon, Oura) 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
	Card details	Card details

The Platinum Card from American Express
American Express · $895/yr
United Club Card
Chase · $695/yr

Overview

Annual fee: The Platinum Card from American Express
$895
United Club Card
$695
Lowest
Welcome offerCurrent public offer: The Platinum Card from American Express
As high as 175,000 points — offers vary
United Club Card
Up to 100,000 miles
Rewards: The Platinum Card from American Express
American Express Membership Rewards
United Club Card
United MileagePlus
Foreign transaction fee: The Platinum Card from American Express
None
United Club Card
None
Network: The Platinum Card from American Express
American Express
United Club Card
Visa Infinite

Earn ratesPer $1 spent

Flights: The Platinum Card from American Express
5x
Highest
United Club Card
1x
Dining: The Platinum Card from American Express
1x
United Club Card
2x
Highest
Hotels: The Platinum Card from American Express
1x
United Club Card
2x
Highest
Ridesharing: The Platinum Card from American Express
1x
United Club Card
2x
Highest
Transit: The Platinum Card from American Express
1x
United Club Card
2x
Highest
Travel: The Platinum Card from American Express
1x
United Club Card
2x
Highest
Everything else: The Platinum Card from American Express
1x
United Club Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: The Platinum Card from American Express
$600 hotel credit
$219 CLEAR Plus credit
$200 airline credit
$120 Global Entry or up to $85 TSA PreCheck / 4 years · $120 every 4 years
United Club Card
$200 Renowned Hotels
$100 Avis/Budget travel
$200/yr JSX flights
$120 Global Entry/TSA PreCheck
25% United inflight purchases · $25 per transaction
Rideshare & transit: The Platinum Card from American Express
$200 Uber Cash
$120 Uber One credit
United Club Card
$150/yr rideshare · $13 monthly
Dining & delivery: The Platinum Card from American Express
$400 Resy credit
United Club Card
$20/mo Instacart+ · $20 monthly
Entertainment & streaming: The Platinum Card from American Express
$300 streaming credit
United Club Card
—
Shopping & wellness: The Platinum Card from American Express
$300 Equinox credit
$300 Lululemon credit
$200 Oura Ring credit
$155 Walmart+ credit
United Club Card
—

Perks & access— means none on record

Lounges: The Platinum Card from American Express
Airspace Lounge access at US airports with 2 guests
26 Centurion Lounges worldwide with premium dining
10 Delta Sky Club visits per year when flying Delta
Escape Lounge access at US airports with food and beverages
International Amex Lounges at select global airports
Global Lounge Collection with 1,550+ airport lounges
Show 3 more
Lufthansa Business Lounge access on Lufthansa Group
Plaza Premium Lounge access at airports with Global Lounge
Priority Pass Select with 1,300+ lounges globally
United Club Card
United Club membership with guest access
Hotel status & programs: The Platinum Card from American Express
Hilton Gold with 80% bonus points and breakfast
Leaders Club Sterling Status at Leading Hotels
Marriott Gold with 25% bonus points and upgrades
Fine Hotels + Resorts: $100 credits and upgrades
Hotel Collection access with room upgrades and credits
United Club Card
IHG One Rewards Platinum Elite status
Airline perks: The Platinum Card from American Express
International Airline Program 5-40% off premium cabins
United Club Card
Earn up to 20,000-miles in award flight discounts each year
Premier Access priority boarding and security lanes
Free first and second checked bags for you plus companion
Premier upgrades on award tickets
Car rental: The Platinum Card from American Express
Elite status with Hertz, National, Avis for upgrades
United Club Card
Avis President's Club®
Other perks: The Platinum Card from American Express
Amex Offers
24/7 premium travel assistance with medical transport
Premium Events Collection™
Early access to concerts and events
24/7 Platinum Concierge for travel and lifestyle help
Free expedited card replacement in 24-48 hours worldwide
Show 5 more
Entertainment access with exclusive presales and VIP events
No foreign transaction fees on international purchases save
Roadside assistance with up to 4 service calls per year
Platinum Nights by Resy
Platinum Travel Service
United Club Card
10% or more off United awards
MileagePlus miles don't expire
United Card Events from Chase and United MileagePlus Events
Earn up to 28,000 Premier® qualifying points (PQP)
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: The Platinum Card from American Express
$10,000 trip cancellation coverage per covered trip
$500 trip delay Cover for delays exceeding 6 hours
United Club Card
Trip cancellation coverage up to $10,000 per traveler
Trip delay coverage up to $500 after 12 hours
Baggage: The Platinum Card from American Express
$3,000 baggage insurance for lost or damaged bags
United Club Card
Baggage delay coverage $100/day up to 3 days
Lost baggage coverage up to $3,000 per traveler
Rental car: The Platinum Card from American Express
$100,000 primary rental car coverage for $20-$25/rental
$75,000 car rental loss and damage insurance
United Club Card
Primary car rental insurance up to $60,000
Purchase & returns: The Platinum Card from American Express
$10,000 purchase Cover against theft and damage for 90 days
$300 return Cover when merchants won't accept returns within
United Club Card
Return Protection · up to $500
Purchase protection up to $10,000 per item for 120 days
Extended warranty: The Platinum Card from American Express
Extended warranty adds 1 year to warranties under 5 years
United Club Card
Extended warranty adds 1 year to manufacturer warranty
Cell phone: The Platinum Card from American Express
$800 cell phone protection with $50 deductible
United Club Card
—
Other protections: The Platinum Card from American Express
Zero liability protection on fraudulent charges
Global Assist Hotline with 24/7 emergency help traveling
United Club Card
—

Pros & cons

Pros: The Platinum Card from American Express
Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
$200/year Uber Cash plus a $120 Uber One membership credit
$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
United Club Card
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
5x miles on United purchases (highest among United cards)
Save 10% or more when booking flights with miles
Cons: The Platinum Card from American Express
$895 annual fee requires significant credit utilization to break even
Many credits require specific merchants (Resy, Equinox, lululemon, Oura)
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
United Club Card
$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

Card details

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