United States card comparison
The Platinum Card® vs United Club℠ Infinite Card
The United Club Infinite Card is the only card-based way to get full United Club access. The Amex Platinum does not include United Club. For United-loyal travelers, the choice is whether to carry the United-specific card alongside or instead of the universal premium card.
Last reviewed: . Card information is summarized from issuer benefit pages and is reviewed periodically. Always verify current terms with the issuer before applying.
American Express
The Platinum Card®
Chase
United Club℠ Infinite Card
Side-by-side comparison
| Dimension | The Platinum Card® | United Club℠ Infinite Card |
|---|---|---|
| Issuer | American Express | Chase |
| Issuing country | United States | United States |
| Annual fee | $895 | $695 |
| Lounge networks |
|
|
| Lounges this card opens (tracked) | 440 lounges across 181 airports | 12 lounges across 10 airports |
| Guest policy | 2 guests Centurion / 10 Delta Sky Club visits/year | 2 guests or immediate family (United Club) |
| Credit score | Excellent (Good Credit) | Excellent |
| Purchase APR | See Pay Over Time APR in account | 19.74% - 28.24% Variable |
Who should pick which
Pick the The if
Best for travelers who fly multiple airlines and care about the broadest possible US lounge footprint (Centurion + Sky Club via Delta + Priority Pass + Plaza Premium).
See full The Platinum Card® detailsPick the United if
Best for travelers who fly United as their primary airline and want full United Club access included for the cardholder plus immediate family.
See full United Club℠ Infinite Card detailsStrengths and trade-offs
The Platinum Card®
Strengths
- Welcome Offer: 175,000 Points (Spend $8k in 6 months)
- Over $3,500 in annual value from credits and perks
- Access to 1,550+ lounges (Centurion, Delta, Priority Pass)
- 5X Points on Flights & Prepaid Hotels via Amex Travel
- Elite Status: Hilton Gold, Marriott Bonvoy Gold, Leaders Club Sterling
Trade-offs
- High Annual Fee ($895)
- Credits require enrollment and specific usage (must use designated vendors)
- Centurion guest access requires $75k spend
- Rates and fees apply
United Club℠ Infinite Card
Strengths
- Welcome Bonus: up to 110,000 Miles + 3,000 PQP (Spend $5k in 3 months)
- United Club Membership + 4 One-Time Passes (for All Access members)
- Over $875 in Annual Partner Credits (Instacart, JSX, Rideshare)
- Earn 4x Miles on United & 2x on All Travel/Dining
- IHG Platinum Elite Status & Avis President's Club
- 10% Discount on United Economy Saver Awards
Trade-offs
- High Annual Fee ($695)
- Credits require specific partners (JSX, Instacart, etc.)
- PQP earnings capped at 28,000 per year from spend
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