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Marriott Bonvoy Business American Express Card vs United Club Infinite Card

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/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 Marriott Bonvoy Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($680 more in estimated value) than the United Club Infinite Card's. Get the Marriott Bonvoy Business American Express Card first; revisit the United Club Infinite Card after you've earned that bonus.

FeatureMarriott Bonvoy Business American Express CardUnited Club Infinite Card
Annual fee$125$695
Sign-up bonus150,000 points + $125 statement credit80,000 miles (up to 90,000 with authorized user)
Bonus value (est.)$1,800$1,120
Min spend to unlock bonus$8,000 in 6 mo$5,000 in 3 mo
IssuerAmerican ExpressChase
Card categoryhoteltravel
Best earning category (Marriott)6x1x
Transfer partnersNoneNone
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
  • United Club access
  • 4x on United
  • Hyatt Discoverist
  • Priority everything
Read the full review
Marriott Bonvoy Business American Express Card
$125/yr · 150,000 points + $125 statement credit
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)

Editorial take: Marriott Bonvoy Business American Express Card

The Marriott business card pulls its weight on the annual Free Night cert alone, a 35k cat-property is routinely $250-400/night cash. Add 15 elite night credits and the dining stipend and the $125 fee is easy.

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, Marriott Bonvoy Business American Express Card or United Club Infinite Card?
The Marriott Bonvoy Business American Express Card has the bigger bonus, 150,000 points + $125 statement credit, worth roughly $1,800, versus 80,000 miles (up to 90,000 with authorized user) (~$1,120) on the United Club Infinite Card.
Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the United Club Infinite Card?
At $125/yr, the Marriott Bonvoy Business American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the United Club Infinite Card's, pick the one whose perks you'll actually use.
Can I have both the Marriott Bonvoy Business 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 Marriott Bonvoy Business American Express Card or the United Club Infinite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Business American Express Card: $8,000 spend in 6 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.