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United MileagePlus® Club card vs The Platinum Card® from American Express

The reward point earning rate is their biggest difference.

Updated

Fact checked
You’ll earn 2x miles on eligible United purchases and 1.5x miles on all other purchases with the United MileagePlus® Club card. The Platinum Card® from American Express, on the other hand, offers 5x points on directly-booked flights and on flights or travel booked through the Amex travel portal, with all other purchases offering 1x points.

United MileagePlus® Club card

United MileagePlus® Club card

Rates & Fees

The Platinum Card® from American Express

The Platinum Card® from American Express

Rates & Fees

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★★★★★

4.4 / 5.0
Best for
Best for
  • Premium United perks
  • Excellent travel rewards
Welcome offer
Welcome offer

50,000 miles after spending $3,000 in the first 3 months

60,000 points after spending $5,000 in your first 3 months

Rewards
Rewards

2x miles on United and 1.5x miles on all other purchases

5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

Purchase APR
Purchase APR

17.99% to 24.99% variable

See Pay Over Time APR

Annual fee
Annual fee $450 $550
Balance transfer APR
Balance transfer APR 17.99% to 24.99% variable

See Pay Over Time APR

Cash advance
Cash advance

APR: 26.49% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $38 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $175
Interest-free period
Interest-free period 21 days 25 days
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Other
Learn more
Learn more

Which card should you choose?

United MileagePlus® Club card

United MileagePlus® Club card

  • United Club membership
  • Valuable signup bonus
  • Earn miles on all purchases
  • Check your first two bags free on United flights

The Platinum Card® from American Express

The Platinum Card® from American Express

  • Membership reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. You can use your points toward gift cards, travel rewards, statement credit and more. If you redeem these points for the highest valued rewards, you'll get 5% back. On all other eligible purchases, you'll earn 1x points.
  • Welcome offer. Get 60,000 membership rewards points after you spend $5,000 on purchases in the first 3 months of card membership. That's up to $1,200 worth of rewards when transferred to travel partners.
  • Airline fee credit. Select a qualifying airline and receive a $200 airline fee credit each year to cover incidental charges, such as checked bags or in-flight purchases.

Compare premium credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Luxury Card Mastercard® Gold Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
CardMatch™ from creditcards.com
See terms
See terms
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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Compare American Express credit cards

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