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The Business Platinum Card® from American Express vs United Club℠ Infinite Card
This comparison aims to assist users in deciding between The Business Platinum Card® from American Express and the United Club℠ Infinite Card from Chase. Both cards offer unique features and benefits tailored to different user needs and spending habits. Let's explore their key attributes in detail.
Card Overviews
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express is designed for business owners who travel frequently and seek premium rewards and benefits. With a high annual fee, it offers extensive perks including airport lounge access, travel rewards, and statement credits for various business expenses.
United Club℠ Infinite Card
The United Club℠ Infinite Card is aimed at avid travelers, particularly those who often fly with United Airlines. It provides valuable rewards on United purchases, access to United Clubs, and other travel-related benefits, making it a great choice for loyal United customers.
Detailed Feature Comparison
| Feature | The Business Platinum Card® from American Express | United Club℠ Infinite Card |
|---|---|---|
| Annual Fee | $695 | $525 |
| Welcome Bonus | Earn 150,000 Membership Rewards® points after spending $20,000 in the first 3 months. | Earn 80,000 bonus miles after spending $5,000 in the first 3 months. |
| Rewards Structure | 5X points on flights and prepaid hotels; 1.5X on select purchases; 1X on other purchases. | 4X miles on United purchases; 2X on travel and dining; 1X on other purchases. |
| Foreign Transaction Fee | None | None |
| Other Fees | $200 Airline Fee Credit; $199 CLEAR® Plus Credit (subject to enrollment). | None specified. |
| Additional Benefits | Access to 1,400+ airport lounges; up to $1,000 in statement credits for select purchases. | United Club membership; free checked bags; Premier Access travel services. |
Rewards Highlights
The Business Platinum Card® from American Express
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Earn 1X points on other eligible purchases.
United Club℠ Infinite Card
- Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
- 4X miles on United® purchases.
- 2X miles on all other travel and dining.
- 1X mile on all other purchases.
Pros and Cons
The Business Platinum Card® from American Express
- Pros:
- Extensive travel rewards and airport lounge access.
- High earning potential on business-related purchases.
- Various statement credits for business expenses.
- Cons:
- High annual fee.
- Welcome bonus requires significant spending.
United Club℠ Infinite Card
- Pros:
- Lower annual fee compared to The Business Platinum Card®.
- Strong rewards on United purchases and travel-related benefits.
- Access to United Clubs.
- Cons:
- Limited benefits for non-United travelers.
- Lower overall rewards rate on non-travel purchases.
Who Should Consider Which Card?
If you are a business owner who travels frequently and seeks extensive travel rewards, premium benefits, and are willing to pay a higher annual fee, The Business Platinum Card® from American Express may be the right choice for you.
Conversely, if you are a loyal United Airlines flyer looking for solid rewards on airline purchases and valuable travel perks without as high an annual fee, consider the United Club℠ Infinite Card.
Conclusion
Ultimately, the best card for you depends on your individual spending patterns and travel habits. Consider the features and benefits of each card carefully to determine which aligns best with your financial goals and lifestyle.