Credit Cards » Compare Credit Cards » United Club℠ Infinite vs Amex Platinum: Which Is Better?
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United Club℠ Infinite vs Amex Platinum: Which Is Better?

The Infinite Card is tailored for frequent United flyers, while the Amex Platinum offers a more lucrative, comprehensive rewards program.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Both cards offer an array of impressive perks, but they cater to different needs and lifestyles. The Platinum Card® from American Express is a luxury card that shines with its extensive travel benefits, higher earning potential, and versatile rewards program, making it a top choice for frequent travelers looking for luxury and flexibility.

On the other hand, if you're a loyal United Airlines customer seeking a lower annual fee and solid travel perks, the United Club℠ Infinite Card is a strong contender.

In this comparison review, we'll break down the key features of each card to help you determine which one suits your preferences and priorities better.

General Comparison: United Infinite vs Amex Platinum

amex platinum

united infinite card

The Amex Platinum Card
United Club℠ Infinite
Annual Fee
$525
Rewards
5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases. Terms Apply.
4x miles on United Airlines purchases, 2x miles on all other travel purchases, dining and eligible delivery services and 1x miles on all other purchases
Welcome bonus
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening
0% Intro APR
None
N/A
Foreign Transaction Fee
$0
Purchase APR
21.24% – 29.24% APR Variable
21.99% – 28.99% variable
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Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Rewards: Which Card Gives More?

While individual lifestyles vary, but it's clear that those who frequently spend on airlines can maximize their rewards with United.

If your spending habits encompass a wider range, including expenses like hotels and groceries, the Platinum card might be the more suitable option for you.

amex platinum

united infinite card

Spend Per Category
The Platinum Card®
United Club℠ Infinite
$10,000 – U.S Supermarkets
10,000 points (100,000 in the first 6 months)
10,000 miles
$5,000 – Restaurants
5,000 points
10,000 miles
$6,000 – Hotels
30,000 points
12,000 miles
$8,000 – Airline
40,000 points
32,000 miles
$4,000 – Gas
4,000 points
4,000 points
Total Points
89,000 points
68,000 miles
Estimated Redemption Value
1 point ~ 0.6 – 1.6 cents
1 point ~ 1.5 cents
Estimated Annual Value
$534 – $1,424
$1,020

With Amex Platinum, you can redeem Membership Rewards points for travel, statement credits, or gift cards. Cardholders can also transferring points to airline and hotel partners, or using them for premium experiences like exclusive events.

Amex Platinum transfer to travel partners
(Screenshot taken by our team from Amex app)

United Infinite offers versatile redemption options, allowing members to use miles for flights, upgrades, hotels, car rentals, and experiences.

United Book a Flight with United infinite card
(screenshot taken by our team from United app)

United Infinite vs Amex Platinum: Benefits Comparison

There are some additional types of perks that you will see with both of these cards.

The Amex Platinum Card

amex platinum

  • Dedicated Service Team: You will get access to a customer service team that is operational 24/7, so you can resolve any issues instantly.
  • Up to $200/$120 in Uber Cash.  You can also become an Uber VIP to be matched with top rated drivers without needing to meet any minimum ride requirements. Up to $200  if you carry the Platinum Card and $120 for Gold Cards. Enrollment Required.
  • Preferred Seating at sporting and cultural events, subject to availability
  • Up to $100 experience creditreceive a $100 experience credit when you reserve The Hotel Collection through American Express Travel for a delightful getaway of at least two nights. The specific value of the experience credit may vary depending on the property you choose.
Amex Platinum Experience overview
(Screenshot taken by our team from Amex app)
  • Extra Cards: Both of these cards allow you to add additional cards to your locknut with no additional fees. This allows you to earn rewards when other people make purchases, such as your spouse, children, or employees.
  • Marriott Bonvoy Gold Elite Status: As a Platinum Card member, you have the opportunity to enroll in complimentary Bonvoy Gold Elite status.
  • Priority Pass: Platinum Card members enjoy a complimentary membership in Priority Pass Select, granting them access to over 1,400 lounges across the globe. It's important to note that this membership does not include access to Priority Pass restaurant lounges.
Eat and drink at The Centurion Lounge by Amex at JFK airport , (2)
Eat and drink at The Centurion Lounge by Amex at JFK airport (Photo by sainaniritu/Shutterstock)
  • Up to $100 Fee Credit for Global Entry or TSA PreCheck®: Get reimbursed for the application fee for Global Entry or TSA PreCheck every 4 years.
  • Signature perks at upscale hotels, which are part of the Amex Hotel Collection and you book through American Express Travel.
  • Fraud Protection: You will not have to be responsible for any fraudulent charges. If you see a charge that is suspicious, just get in touch with the Amex team.
  • Baggage insurance for up to $500 for checked baggage and $1,250 for carry on, if it is lost, stolen, or damaged when you purchase your fare using your card*.
  • Up to $200 hotel credit in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®. Enrollment Required. 
  • Up to $240 or $20 per month in Digital Entertainment in statement credit when you pay for one or more The New York Times, Peacock or SiriusXM with your card. Enrollment Required.
  • Up to $155 in Walmart+ credit. When you use your card to pay for your monthly Walmart+ membership, you’ll get the full cost back every month. Enrollment Required.
  • Up to $200 in Airline fee credit per year when you charge incidental travel fees from selected airlines on your card. Enrollment Required.
  • Up to $300 back every year in statement credit for eligible Equinox memberships when you enroll and pay using your card (subject to auto-renewal).
  • Up to $189 back per year when you use your card to pay for a CLEAR® plus membership. Enrollment Required.
Difference Between CLEAR and TSA Precheck
CLEAR allows for identity verification at biometric, touchless security kiosks (Photo by Joni Hanebutt/Shutterstock)

Terms apply to American Express benefits and offers.

United Club℠ Infinite

united infinite card

  • United Club Membership: This offers you a place to enjoy complimentary snacks and beverages, work or relax before you fly. You and your eligible travel companions can enjoy access across all United Club locations worldwide. This benefit has a value of up to $650 per year.

United Polaris Lounge at the San Francisco Airport
Inside United Airlines Polaris Lounge at the San Francisco Airport (Photo by JJava Designs/Shutterstock)
  • Free Check Bags: The primary cardmember and a travel companion on the same reservation can receive their first and second standard bags checked for free. This represents savings of up to $320 per round trip.
  • Statement Credit for United Inflight Purchases: You can get 25% back when you buy food, drinks, WiFi and other onboard purchases with your United Club Infinite on United operated flights.
  • Premier Access Travel Services: You can get preferential treatment at the airport including priority check in, boarding, security screening and baggage handling.
  • Global Entry or TSA PreCheck Reimbursement: You can get up to $100 statement credit every four years as a reimbursement for your application fee for Global Entry or TSA PreCheck when you charge your subscription to your card.
TSA PreCheck fast line, Reagen airport
TSA PreCheck fast line, Reagen airport (Photo by David Tran Photo/Shutterstock)
  • IHG Rewards Platinum Elite: Primary cardmembers are eligible for Platinum Elite status with the IHG Rewards platform. This includes extended check out, complimentary room upgrades and other perks. 
  • Luxury Hotel & Resorts Collection: As with other Chase Travel cards, you can access the Luxury Hotel & Resorts Collection. This provides access to complimentary breakfasts, early check in, room upgrades and other amenities in over 1,000 luxury hotels and resorts around the world.
  • Chase United Card Events: This allows you to purchase curated, private once in a lifetime experiences. These range from sporting events to celebrity meet and greets.
Book an experience with United infinite card
Book an experience with United infinite card (screenshot taken by our team from United app)
  • Premier qualifying points: customers can earn 500 PQP for every $12,000 you spend on purchases with your United Club Card (up to 8,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to the Premier 1K® level
  • Trip Interruption/Cancellation Insurance: If your trip is cut short or canceled due to severe weather, sickness or another covered situation, you have up to $20,000 per trip and up to $10,000 per person.
  • Trip Delay Reimbursement: If your common carrier travel has a 12 hour plus delay, you’ll be covered for unreimbursed expenses such as meals and accommodation for up to $500 per ticket.
  • Baggage Insurance: If your baggage is delayed by your passenger carrier for over six hours, you can get reimbursement for essential purchases up to $100 per day for three days.
  • Visa Infinite Concierge Service: This provides complimentary access to 24 hour concierge services to help you send gifts, find tickets to top events or make restaurant reservations.
  • Auto Rental Collision Damage Waiver: If you charge the full rental cost to your card and decline the rental company collision insurance, you’ll enjoy primary coverage for collision damage or theft for most rental cars here and abroad.
  • Purchase Protections: New purchases are covered for 120 days for up to $50,000 per year against theft or damage. 

Main Drawbacks: Comparison

American Express Platinum Card

amex platinum

The Amex Platinum comes with a steep annual fee of $695, which can be a significant drawback for some potential cardholders.

Although it offers travel benefits, the card's perks may not fully align with the preferences of travelers loyal to specific airlines or hotel chains.

While great for travelers, the Amex Platinum's focus on travel benefits may not be as appealing to individuals who don't frequently engage in travel-related spending.

United Club℠ Infinite

united infinite card

This card's rewards system is primarily geared towards United Airlines and Star Alliance flights, limiting flexibility for other travel options.

 Unlike some other premium cards, the United Club℠ Infinite doesn't offer anniversary bonuses or awards.

 It provides fewer credits for travel expenses and incidentals compared to some other premium cards.

When You Might Want the Amex Platinum?

You might want the Amex Platinum card if:

  • You're a Frequent Traveler: The Amex Platinum offers a range of travel benefits, including airport lounge access, airline fee credits, and extensive travel insurance, making it an excellent choice for individuals who travel frequently.
  • You Value Luxury and Perks: If you appreciate premium travel experiences, such as access to Centurion Lounges, Fine Hotels & Resorts program, and concierge services, the Amex Platinum card provides these luxurious perks.
  • You Use Multiple Airlines and Hotels: The card's flexibility in transferring Membership Rewards points to various airline and hotel partners can be a major advantage if you often switch between different brands and loyalty programs.
  • You Can Maximize Statement Credits: If you can take full advantage of the annual travel credits, Uber credits, and other statement credits offered by the card, it can help offset the annual fee and enhance its overall value.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Want the United Infinite Card?

You might want the United Club℠ Infinite card if:

  • You're a Loyal United Airlines Flyer: If you frequently fly with United Airlines or within the Star Alliance network, this card can offer you substantial benefits, including United Club membership and priority access.
  • You Want a Card Tailored to United Airlines: If United Airlines is your preferred carrier, and you want a credit card that complements your loyalty, the United Club℠ Infinite can be an excellent choice.
  • You Want Simplicity in Redemption: If your travel needs primarily involve United Airlines and you prefer a straightforward rewards program, this card's focus on United redemptions can be a plus.

Compare The Alternatives

If you're looking for a premium travel credit card with airline rewards – there are some good alternatives you may want to consider:

Venture X Rewards

Capital One Venture X
Chase Sapphire Reserve®
Citi®/AAdvantage® Platinum Select® World Elite Mastercard®
Annual Fee
$395
$550
$99 (waived for the first 12 months)
Rewards
1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
1X – 10X

5X total points on air travel and 10X total points on hotels, car rentals and dining when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases.

1X – 2X Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
Welcome bonus
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
50,000 Miles 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
Foreign Transaction Fee
$0
$0
$0
Purchase APR
19.99% – 29.99% (Variable)
22.49%–29.49% variable
21.24% – 29.99% (Variable)

Compare American Express Platinum Card

If you're looking for everyday spending rewards, the Amex Gold Card offers more. But for travel rewards benefits, there is a clear winner.

American Express Gold Card vs. American Express Platinum

When it comes to premium travel rewards, both may be the best cards in the market. But who is the winner between the two? Here's our analysis.

American Express Platinum vs Chase Sapphire Reserve: Which Luxury Card Is Best?

While the Amex Platinum offers extensive travel perks and redemption options, the Marriott Brilliant Card has better hotel-specific perks.

Amex Platinum Card vs. Marriott Bonvoy Brilliant Car

While the Amex Platinum Card offers extensive travel perks and redemption options, the Delta Reserve Card has better airline-specific perks.

Amex Platinum Card vs. Delta SkyMiles Reserve: Which Luxury Card Is Best?

The Amex Platinum wins when it comes to redemption options and protections, but the Venture X is cheaper and offers great travel benefits.

Amex Platinum Card vs. Capital One Venture X: Which Luxury Card Is Best?

The Hilton Aspire is surprising with its higher estimated annual cashback value, but the Platinum card wins at premium travel perks.

Amex Platinum Card vs. Hilton Amex Aspire: Side By Side Comparison

If you need premium travel perks and versatility – the Amex Platinum wins. Need airline benefits and lower fees? Consider the Delta Platinum.

Amex Platinum Card vs. Delta SkyMiles Platinum: Which Luxury Card Is Best?

The AAdvantage Executive card offers higher cashback value, but when it comes to premium travel perks, the Amex Platinum is the winner.

Citi/AAdvantage Executive World Elite vs. Amex Platinum Card

The Amex Platinum card is a clear winner as it offers much higher annual cashback value, luxury travel perks, and various travel protections.

Amex Platinum Card vs. Emirates Skywards Premium World Elite Mastercard: How They Compare?

The Amex Platinum is our winner due to its higher annual cashback value, redemption options, and better luxury perks than the Altitude Reserve.

U.S. Bank Altitude Reserve Visa Infinite vs. Amex Platinum Card: How They Compare?

Compare United Club Infinite Card

In this comparison, we will delve into the key features, benefits, and considerations of both the United Explorer and Infinite Card.

United Explorer vs Infinite Card: How They Compare?

The United Infinite card offers luxury benefits that the Quest card doesn't, but for most consumers, it is not worth the higher annual fee.

United Quest vs Infinite Card: How They Compare?

These two are considered as one of the best exclusive airline cards out there. What are the differences between them and is it worth it?

United Club Infinite vs Delta SkyMiles® Reserve: Which Gives You More?

When it comes to premium travel cards, these two offer nice perks and benefits. But who is the winner between the two? Here's our analysis.

United Club Infinite vs AAdvantage Executive Elite Mastercard: Which Card Is Best?

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  • Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Best Cards Per Category
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.