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Side-by-side
Hilton Honors American Express Card vs United Club Infinite Card
Both are travel travel cards. The Hilton Honors American Express Card comes from American Express at $0/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 United Club Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,120 more in estimated value) than the Hilton Honors American Express Card's. Get the United Club Infinite Card first; revisit the Hilton Honors American Express Card after you've earned that bonus.
| Feature | Hilton Honors American Express Card | United Club Infinite Card |
|---|---|---|
| Annual fee | $0 | $695 |
| Sign-up bonus | Not advertised | 80,000 miles (up to 90,000 with authorized user) |
| Bonus value (est.) | - | $1,120 |
| Min spend to unlock bonus | - | $5,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | travel | travel |
| Best earning category (Hilton_hotels) | 7x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Hilton Honors American Express Card
$0/yr ·
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
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, Hilton Honors American Express Card or United Club Infinite Card?
- The United Club Infinite Card has a public bonus (80,000 miles (up to 90,000 with authorized user), worth roughly $1,120), while the Hilton Honors American Express Card doesn't advertise one right now.
- Is the Hilton Honors American Express Card's $0 annual fee worth it compared to the United Club Infinite Card?
- The Hilton Honors American Express Card has no annual fee, so the question is whether the United Club Infinite Card's $695 fee is justified by its perks. If you'll use enough of the United Club Infinite Card's benefits to clear $695 in value annually, it's worth it; otherwise stick with the Hilton Honors American Express Card.
- Can I have both the Hilton Honors American Express Card 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 Hilton Honors American Express Card or the United Club Infinite Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Hilton Honors American Express Card: no published min spend. 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.