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The Business Platinum Card from Amex vs United Club Infinite Card

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the United Club Infinite Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($1,580 more in estimated value) than the United Club Infinite Card's. Get the The Business Platinum Card from Amex first; revisit the United Club Infinite Card after you've earned that bonus.

FeatureThe Business Platinum Card from AmexUnited Club Infinite Card
Annual fee$895$695
Sign-up bonus150,000 Membership Rewards points80,000 miles (up to 90,000 with authorized user)
Bonus value (est.)$2,700$1,120
Min spend to unlock bonus$20,000 in 3 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categorybusinesstravel
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mrNone
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
  • United Club access
  • 4x on United
  • Hyatt Discoverist
  • Priority everything
Read the full review
The Business Platinum Card from Amex
$895/yr · 150,000 Membership Rewards points
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)

Editorial take: The Business Platinum Card from Amex

Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.

Editorial take: United Club Infinite Card

Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.

Common questions

Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or United Club Infinite Card?
The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus 80,000 miles (up to 90,000 with authorized user) (~$1,120) on the United Club Infinite Card.
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the United Club Infinite Card?
Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The United Club Infinite Card at $695/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card from Amex and United Club Infinite Card?
Yes, since they're from different issuers (American Express and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the The Business Platinum Card from Amex or the United Club Infinite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 spend in 3 months. United Club Infinite Card: $5,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.