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

The reward point earning rate is their biggest difference.

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Megan Horner
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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

Terms apply, see rates & fees

The Platinum Card® from American Express

The Platinum Card® from American Express

Terms apply, see 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

100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe
Rewards
Rewards

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

10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases
Purchase APR
Purchase APR

17.99% to 24.99% variable

See Pay Over Time APR

Annual fee
Annual fee $450 $695
Balance transfer APR
Balance transfer APR 17.99% to 24.99% variable N/A
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

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