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TAP Miles and Go American Express Card vs United Club Infinite Card

Both are well-respected travel cards. The TAP Miles and Go American Express Card comes from Cardless at $79/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 TAP Miles and Go American Express Card's. Get the United Club Infinite Card first; revisit the TAP Miles and Go American Express Card after you've earned that bonus.

FeatureTAP Miles and Go American Express CardUnited Club Infinite Card
Annual fee$79$695
Sign-up bonus40,000 bonus miles80,000 miles (up to 90,000 with authorized user)
Bonus value (est.)-$1,120
Min spend to unlock bonus$2,500 in 3 mo$5,000 in 3 mo
IssuerCardlessChase
Card categoryairlinetravel
Best earning category (Tap_air_portugal)3x1x
Transfer partnersNoneNone
Headline benefits
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
  • United Club access
  • 4x on United
  • Hyatt Discoverist
  • Priority everything
Read the full review
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)

Editorial take: TAP Miles and Go American Express Card

The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

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, TAP Miles and Go 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 TAP Miles and Go American Express Card doesn't advertise one right now.
Is the TAP Miles and Go American Express Card's $79 annual fee worth it compared to the United Club Infinite Card?
At $79/yr, the TAP Miles and Go 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 TAP Miles and Go American Express Card and United Club Infinite Card?
Yes, since they're from different issuers (Cardless 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 TAP Miles and Go American Express Card or the United Club Infinite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. TAP Miles and Go American Express Card: $2,500 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.