Editorial take: The Platinum Card from Amex
The granddaddy of premium cards with Centurion Lounge access, hotel elite status, and a mountain of credits. The $695 fee stings, but if you use even half the credits, you come out ahead.
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Side-by-side
The Platinum Card from Amex vs United Quest Business Card
Both are well-respected travel cards. The The Platinum Card from Amex comes from American Express at $695/yr; the United Quest Business Card from Chase at $350/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
If you're not sure you'll use premium perks, start with the United Quest Business Card — its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | The Platinum Card from Amex | United Quest Business Card |
|---|---|---|
| Annual fee | $695 | $350 |
| Sign-up bonus | 80,000 points | 100,000 miles + $300 credit |
| Bonus value (est.) | $1,600 | $1,700 |
| Min spend to unlock bonus | $8,000 in 6 mo | $7,000 in 3 mo |
| Issuer | American Express | Chase |
| Card category | travel | business |
| Best earning category (Flights) | 5x | 1x |
| Transfer partners | amex-mr | mileageplus |
| Headline benefits |
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Read the full review
The Platinum Card from Amex
$695/yr · 80,000 points
Read the full review
United Quest Business Card
$350/yr · 100,000 miles + $300 credit
Editorial take: United Quest Business Card
United's mid-premium business. The $200 travel credit + 10k mile rebate after award bookings + 6 club passes routinely justify the $350 fee for any frequent United business traveler.
Common questions
- Which card has the bigger sign-up bonus, The Platinum Card from Amex or United Quest Business Card?
- The United Quest Business Card has the bigger bonus — 100,000 miles + $300 credit, worth roughly $1,700, versus 80,000 points (~$1,600) on the The Platinum Card from Amex.
- Is the The Platinum Card from Amex's $695 annual fee worth it compared to the United Quest Business Card?
- Premium cards like the The Platinum Card from Amex ($695/yr) earn their fee through credits — travel, dining, lounge access, statement reimbursements. If you'd actively use $695+ of those credits, the math works. The United Quest Business Card at $350/yr trades some perks for a lower commitment.
- Can I have both the The Platinum Card from Amex and United Quest Business 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 Platinum Card from Amex or the United Quest Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. The Platinum Card from Amex: $8,000 spend in 6 months. United Quest Business Card: $7,000 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.