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.
All credit cards
Side-by-side
United Club Infinite Card vs Hilton Honors American Express Aspire
Both are well-respected travel cards. The United Club Infinite Card comes from Chase at $695/yr; the Hilton Honors American Express Aspire from American Express at $550/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | United Club Infinite Card | Hilton Honors American Express Aspire |
|---|---|---|
| Annual fee | $695 | $550 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 175,000 points |
| Bonus value (est.) | $1,120 | $875 |
| Min spend to unlock bonus | $5,000 in 3 mo | $6,000 in 6 mo |
| Issuer | Chase | American Express |
| Card category | travel | hotel |
| Best earning category (United) | 4x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
|
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)
Read the full review
Hilton Honors American Express Aspire
$550/yr · 175,000 points
Editorial take: Hilton Honors American Express Aspire
Pretty much a no-brainer if you stay at Hilton hotels. The $550 annual fee pays for itself with just the free night reward alone, which can be used at any standard room property, even $1,000+ per night hotels.
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or Hilton Honors American Express Aspire?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus 175,000 points (~$875) on the Hilton Honors American Express Aspire.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the Hilton Honors American Express Aspire?
- Premium cards like the United Club Infinite Card ($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 Hilton Honors American Express Aspire at $550/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and Hilton Honors American Express Aspire?
- Yes, since they're from different issuers (Chase and American Express) 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 United Club Infinite Card or the Hilton Honors American Express Aspire first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite Card: $5,000 spend in 3 months. Hilton Honors American Express Aspire: $6,000 in 6 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.