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.
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Side-by-side
United Club Infinite Card vs PenFed Platinum Rewards Visa Signature Card
Both are well-respected travel cards. The United Club Infinite Card comes from Chase at $695/yr; the PenFed Platinum Rewards Visa Signature Card from PenFed at $0/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 ($992 more in estimated value) than the PenFed Platinum Rewards Visa Signature Card's. Get the United Club Infinite Card first; revisit the PenFed Platinum Rewards Visa Signature Card after you've earned that bonus.
| Feature | United Club Infinite Card | PenFed Platinum Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $695 | $0 |
| Sign-up bonus | 80,000 miles (up to 90,000 with authorized user) | 15,000 bonus points after $1,500 spend in 90 days |
| Bonus value (est.) | $1,120 | $128 |
| Min spend to unlock bonus | $5,000 in 3 mo | $1,500 in 3 mo |
| Issuer | Chase | PenFed |
| Card category | travel | cashback |
| 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
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
Editorial take: PenFed Platinum Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, United Club Infinite Card or PenFed Platinum Rewards Visa Signature Card?
- The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus 15,000 bonus points after $1,500 spend in 90 days (~$128) on the PenFed Platinum Rewards Visa Signature Card.
- Is the United Club Infinite Card's $695 annual fee worth it compared to the PenFed Platinum Rewards Visa Signature Card?
- 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 PenFed Platinum Rewards Visa Signature Card at $0/yr trades some perks for a lower commitment.
- Can I have both the United Club Infinite Card and PenFed Platinum Rewards Visa Signature Card?
- Yes, since they're from different issuers (Chase and PenFed) 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 PenFed Platinum Rewards Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. United Club Infinite Card: $5,000 spend in 3 months. PenFed Platinum Rewards Visa Signature Card: $1,500 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.