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

The reward point earning rate is their biggest difference.

Megan Horner
Megan Horner

Updated . What changed?

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 on up to $500,000 annually starting January 2021, reverting to 1x points after and on all other purchases.

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. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
Purchase APR
Purchase APR

17.99% to 24.99% variable

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

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

Summary of card features

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. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
  • 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
American Express® Gold Card
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Apply now
View details
Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant™ American Express® Card
100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees
Apply now
View details
Chase Sapphire Reserve®
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
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Apply now
View details
CardMatch™ from creditcards.com
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.
See offer
View details
Luxury Card Mastercard® Titanium Card™
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.
Apply now
View details
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Compare American Express credit cards

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